Top 5 Best Credit Cards in India for Beginners – No Income Proof Needed (2025)
In Today’s Digital Age, Credit Cards Have Become More Than Just A Financial Tool—they Are A Way To Build Your Credit Score, Earn Rewards, And Manage Your Expenses Smartly. If You’re A Student, Freelancer, Or Someone Just Starting Out, You Might Wonder, “can I Get A Credit Card Without Income Proof?” The Good News Is, Yes, You Can!
Credit cards, when used responsibly, help you manage expenses, earn cashback, and most importantly, build your credit history. For beginners in India—like students, freelancers, or first-time job holders—choosing the right credit card can set the tone for their future financial stability
In This Article, We’ll Break Down The Top 5 Beginner-friendly Credit Cards In India, Especially Designed For Those Without A Stable Income Source. These Cards Are Easy To Apply For, Have Minimum Requirements, And Offer Decent Benefits Too.
1. Sbi Simplysave Card (Fd-backed Option Available)
Best For: Beginners With Fixed Deposit (Fd)
You Can Get This Card Against A Fixed Deposit (Minimum Rs. 20,000 Fd).
No Income Proof Needed.
Get 10x Rewards On Groceries, Dining, And Departmental Stores.
Annual Fee: Rs. 499 (Waived On Yearly Spend Of Rs. 1 Lakh)
Pro Tip: Use This Card Regularly And Pay Bills On Time – Sbi May Later Convert It Into A Full Unsecured Credit Card.
2. Icici Coral Credit Card (Secured Option)
Best For: People With No Cibil Score
Apply With A Fixed Deposit Of Rs. 30,000+.
Earn Rewards On Dining, Groceries, And Fuel.
Free Movie Tickets Via Bookmyshow (T&Cs Apply)
Annual Fee: Rs. 500 (Waived On Spending Rs. 1.5l/Year
Why It’s Good: Icici Offers Easy Upgrades And Good Customer Service.
3. Au Bank Lit Credit Card
Best For: Customizing Your Benefits
Apply Even With Limited Income Proof (E.G., Freelancers).
You Can Choose Your Benefits Monthly (E.G., Cashback, Ott Discounts, Airport Lounge Access).
Zero Joining Fees.
Monthly Charge Based On Your Selected Features.
Unique Point: One Of The Most Flexible Cards In India.
4. Onecard (Secured & Unsecured)
Best For: Modern Users And Mobile Management
Paperless Application, Mobile App Controlled.
Available In Both Secured (Fd) And Unsecured Format.
Simple Reward Points System (1 Reward = ₹1).
No Annual Fees.
Why Users Love It: Clean Interface, Great Design, And Modern Features Like Transaction Lock, Spending Control.
5. Axis Bank Insta Easy Credit Card
Best For: Students & Homemakers With Fd
Instant Approval Against Fd (Starting Rs. 20,000).
Lifetime Free Option.
Convert Purchases Into Emis Easily.
Reward Points On Every Spend.
Tip: Great First Step For Building Your Credit Score.
Benefits Of Getting A Credit Card As A Beginner:
Build Your Cibil Score
Learn To Manage Finances
Avail Offers On Shopping, Travel, And Food
Use For Emergencies
Things To Remember:
Always Pay Bills In Full To Avoid Interest.
Never Spend More Than 30-40% Of Your Credit Limit.
Set Auto-reminders For Due Dates.
Use Credit Cards Smartly, Not Emotionally.
Final Thoughts
Getting Your First Credit Card In India Isn’t Hard—especially With Secured Card Options Through Fixed Deposits. If You’re A Student, Freelancer, Or Someone Without Regular Income, Start With A Secured Card, Build Your Credit History, And In 6-12 Months, You Can Move To A Full-fledged Unsecured Credit Card.
Start Now, Use Wisely, And Grow Your Financial Power!
re a student, freelancer, or someone without regular income, start with a secured card, build your credit history, and in 6-12 months, you can move to a full-fledged unsecured credit cards
start now, use wisely, and grow your financial power!
Tags: #BestCreditCards2025 #NoIncomeProofCards #CreditScoreIndia #FinanceTipsIndia
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