In today’s world, a credit card is sought after by almost all individuals irrespective of the fact in which profession one might be engaged in. This is because credit cards offered by banks and financial institutions enable individuals to avail a lot of benefits by using their credit cards. As time has gone by, banks and other financial institutions that operate in the country have come up with different kinds of credit cards to suit the specific needs of individuals, based on their spending habits. As such, availing a credit card has become an obligation for many people which can’t be resisted easily. In this article, we take at how an individual who do not possess income proof can avail a credit card in his/her name from banks and financial that offer these cards.
Though nowadays banks provide credit cards to individuals without taking any income proof, an individual would be better suited to know the below mentioned steps when it comes to availing credit cards without any income proof.
Though credit cards are issued to individuals primarily on the basis of their income and credit score, nowadays credit cards can also be availed against a fixed deposit as well as against the primary credit card possessed by a family member. Let’s take a look at both of the options in detail:
In today’s world, many banks in the country provide credit cards to individuals without them needing to submit any proof of income. Some of the banks that follow the process of not needing any income proof are listed below:
Some of the popular credit cards that require no income proof which banks provide are as follows:
You can avail a credit card based on the fixed deposit account that exists with the bank or if one of the family members possess a credit card with the option of add-on or supplementary cards.
Yes, you can avail a credit card without Income tax return as no credit cards issuers ask for IT returns from customers.
They are quite beneficial as they possess all the features that a regular credit card is laced with.
No, this is because HDFC bank currently does not provide any credit cards without ITR or salary slip.
Yes, you can get a credit card even if you don’t earn.