Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • How to get a credit card without a job

    Nowadays having a credit card is imperative; a powerful financial tool with which you can do anything and everything even without ‘adequate balance at the time’. Banks do not allow all and sundry to get a credit card. There is an element of trust here. Any bank makes sure that the person has a scrupulous banking history as well as a steady income on the basis of which they lend him/ her money. Hence every lender usually mandates income/ employment proof before authorizing the card. But guess what, there are ways around this rule too. And no, it is nothing illegal.

    Let us check out those legal loopholes.

    Salary Vs Income is an interesting math game:

    Salary may be an income. But not all incomes are necessarily salary- your shares that ensure a steady flow of cash into your account, income from property, trust money, income from fixed deposit to name a few. You can even get yourself a credit card if your parent(s)/ guardian supports you financially. Can you think of other such scenarios where one has a stable income but is not working?

    Your say in the familial finances matters:

    Stay-at-home spouses has as much right in the family income especially if he/ she is also in charge. And they can certainly apply for their own credit card.

    You receive income from other sources:

    Many banks permit you to put in grants, child support, alimony, legal compensation etc. as income. And the best part is, these do not even have to be reported.

    There is ample savings up your sleeve:

    Many these days are making plans and working hard in their 20s and 30s to retire by 40. They can easily show papers related to that as income.

    Team up with a co-signer:

    Many parents opt to make their child (mostly studying in another city/ country) a co-signer. Though the other party will be responsible for the debt (like the non-earning party), the first party’s income can be leveraged for this purpose.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Should be transparent"
      0.5 3.0/5 "Satisfactory"
      I am holding HDFC rewards card its a life time free credit card, more than three years I am using it, they gave me the enhancement of the limit. I have redeemed the points into voucher but I didn't get that benefits, I received the message stating I will get voucher within few days, they should be transparent.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "Nice Fuel Card"
      0.5 5.0/5 "Blown Away!"
      From CITI bank I have taken Indian oil card now my spouse is using my card. The points are good for the spends, the limit is good, the bank is sending the statement on time. Payment gateway is very convenient to make bill on time. I am fine with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I am using ICICI credit card more than one year, there was no limit enhancement. Anyway its enough for me, I used to get reward points and also the cash back on the spends. The customer support is good in ICICI, they resolving the queries on time.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • RBL Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding RBL credit card for long time,They have not charged me annual fee in this card,as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the Sbi credit card service,their service is not up to the mark,and they have not charged me annual fee in this card,as it is life time free credit card,and the credit limit which they have given me in this card was good,but their offers in this card is not much.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding ICICI bank credit card for long time,They have not charged me annual fee in this card, as it is life time free credit card,and i am happy with the credit limit which they have given me in this card,and even they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, rewards points and i am using it since from last few years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Citibank Credit Card
      "GOOD CARD TO USE"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with the CITIBANK where the card is user friendly also it is convenient to access. The credit limit with the card is satisfactory also the card has the good offers with this card which was satisfactory. The service is good with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • Bank Bazaar Credit Card
      "CONVENIENT PORTAL TO USE"
      0.5 4.0/5 "Great!"
      It is the first time experience with the Bankbazaar.com and i have been using it through the website as the portal is convenient also it is user friendly to access. the customer service is good and they are responsive also they are good by helping regarding the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The documentation process was simple with the credit card that i have been holding with the the HDFC BANK, i got the card within 10-15days, the credit limit with this card is good and satisfactory with this card and i am not aware of the card offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I am not happy with HDFC BANK Credit card . I am holding this card for past 1.5 year . I am not satisfied with credit limit of HDFC bank credit card , i said to customer support to increase the limit they said they cannot do rite now . I use this card for multipurpose .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HSBC Bank Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      There is no particular reason for taking the credit card with the HSBC BANK the documentation process was simple and easy to get the card and it took nearly one week. The credit limit was satisfactory with this card. I get good offers with this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 25, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The application was taken with STATE BANK OF INDIA .This is one of the good card with best service while getting the card . If i do transaction i am getting instant message and mail this is the best part . They charge nominal rate of interest and it is life time free card .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      They were very quick to send me the card and the credit limit is good. It is a life time free card. HDFC BANK has offered me a credit card and the banking process is good.The best about the card is the movie tickets, reward point . The overall customer services are good. Rate of interest is very high and credit limit is 92000 .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 25, 2019
    • Standard Chartered Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with STANDARD CHARTERED BANK . I am holding this card for past few years The limit is very good, I am getting offers while doing shopping .I never faced any difficulty with their services. It is a very useful card for daily use as well. I am happy with this bank .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am happy with the service of HDFC bank as i said it is very safe and secure to use, and even their mobile application is user friendly ,and even their credit card is also good, i hold HDFC corporate credit card,it is life time free credit card, and even the credit limit and offers are good with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 25, 2019
    • Kotak Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using this card for more than 3 years this is life time free card and rewards point offer . I hold kotak mahindra credit card . Net baking is very user friendly with this card and the process is very easy to get the card, My application has been approved with kotak mahindra bank
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I hold INDUSIND Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 5 year . I am happy with the services they offered me , they keep on updating my limit that is the best part . The billing statement is very clear
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      This is life time free card . customer service provided is very good and their response is good and I am happy with HDFC bank.I am satisfied with credit limit and in this card rewards point offer available. .I got HDFC bank credit card approx four years .
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
    • YES Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services they offered me , they keep on uprating my limit that is the best part . The billing statement is very clear .  I hold YES bank Credit card , this is one of best card i ever had. I am very old customer of this card, i am using this card for past 3 year
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 25, 2019
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