Credit Score Guide #78: How to Get a Credit Card With Low or No Credit Score in India

 

Want a Credit Card But Your Score Is Low? 

Here’s a Smart Hack to Get One Anyway

If banks keep rejecting your application, don’t worry. You can still build your credit with secured or starter credit cards. Here’s how.

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🔐 What is a Secured Credit Card?

It’s backed by an FD (Fixed Deposit).
You deposit ₹10,000–₹50,000 → Get 90% limit as credit.

Best part? No need for high CIBIL or credit history.

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✅ Best Secured Credit Cards in India

• SBI SimplySave Secured
• Axis Bank Insta Easy
• ICICI Bank Coral (FD-backed)
• AU Small Finance LIT Card (customizable)

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💡 Benefits

• Guaranteed approval
• Builds CIBIL fast with proper usage
• No income proof needed
• Easy to manage for students/freshers

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🚫 Don’t Do This

• Don’t max out limit
• Don’t miss payment date
• Don’t cancel card in 6 months

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✅ Conclusion

Secured cards = perfect second chance. If you’re new to credit or rebuilding score, this is your gateway to financial trust.

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