The CIBIL score is a three-digit number that represents an individual’s creditworthiness. It is calculated based on past credit behavior, including loan repayments, credit utilization, and timely bill payments. Banks and financial institutions use this score to assess whether a person is eligible for a credit card or loan. A high CIBIL score indicates responsible credit behavior, making it easier to get approved for credit cards and loans. On the other hand, individuals without a CIBIL score may find it difficult to secure a traditional credit card.

If you don’t have a CIBIL score, it does not mean you cannot get a credit card. Here are some effective ways to obtain one:

1. Apply for a Secured Credit Card

One of the easiest ways to get a credit card without a CIBIL score is by applying for a secured credit card. A secured credit card is issued against a fixed deposit (FD) with the bank. The credit limit is usually a percentage of the FD amount, typically ranging from 80% to 100% of the deposit.

Benefits of a Secured Credit Card:

• Easy Approval: Since the credit card is backed by a fixed deposit, banks are more willing to approve the application.
• Builds Credit History: Regular and timely payments on a secured credit card help establish a credit history, eventually leading to a CIBIL score.
• Minimal Documentation: The application process is simple, and approval is quick as there is minimal risk to the bank.
• Convert to an Unsecured Card: After demonstrating responsible usage, banks may offer to convert the secured credit card into a regular credit card.

2. Apply for an Add-on or Supplementary Card

Another option is to get a supplementary or add-on credit card from a family member who already owns a primary credit card. Many banks allow primary cardholders to issue additional cards to their spouses, children, or parents.

Benefits of an Add-on Card:

• No Need for a CIBIL Score: Since the responsibility of repayment lies with the primary cardholder, banks do not require a credit score for the supplementary cardholder.
• Access to Credit Without Risk: You can enjoy the benefits of a credit card without having a credit history.
• Helps in Credit Score Building: Transactions made with the add-on card can help in building credit history if the bank reports them separately.

3. Apply for a Credit Card with a Co-Applicant

Some banks offer joint credit cards where a primary cardholder with a good credit score can co-sign the application. If you have a family member or spouse with a good credit score, they can apply for a joint credit card with you.

4. Opt for a Prepaid or Virtual Credit Card

Prepaid credit cards or virtual credit cards do not require a credit score for approval. These cards work by loading a specific amount of money onto them, and transactions are deducted from the preloaded balance.

5. Apply for an Entry-Level or Beginner Credit Card

Several banks offer credit cards specifically designed for first-time users who have no credit history. These beginner credit cards come with lower credit limits and basic features, making them accessible to individuals without a CIBIL score.

6. Apply Through a Fintech or Digital Lender

Fintech companies and digital lenders have revolutionized the financial industry by offering innovative credit solutions. Some digital lenders offer credit cards without requiring a CIBIL score by assessing alternative data such as income, spending habits, and employment history.

7. Show Proof of Income and Stability

If you have a steady source of income, banks may approve your credit card application based on your income proof rather than your credit history. Submitting salary slips, bank statements, or income tax returns can strengthen your application.

Final Thoughts

Getting a credit card without a CIBIL score may seem challenging, but it is certainly possible through various methods such as secured credit cards, add-on cards, prepaid cards, and fintech solutions. By choosing the right option and using the credit card responsibly, you can gradually build a strong credit history and improve your financial profile.

Once you obtain a credit card, ensure that you use it wisely by making timely payments, keeping credit utilization low, and avoiding unnecessary debt. Over time, these good credit habits will help you establish a solid CIBIL score, making it easier to access financial products with better terms in the future.