No salary slip? No ITR? You can still get a credit card. Secured cards are issued against a fixed deposit (FD) — your FD acts as security, so the bank doesn't need income proof or a credit score.
Your FD keeps earning interest, the card works like any normal credit card (often on UPI too), and paying it on time builds your credit score from zero. It's the fastest route for students, homemakers and freelancers.
You open a fixed deposit (often from ₹2,000–₹5,000) and the bank gives you a credit limit of roughly 80–100% of it. Your FD keeps earning interest.
Yes, after closing the card and clearing any dues. While the card is active, the FD stays linked as security.
Yes — it is reported to credit bureaus just like a regular card. After 6–12 months of on-time payments, you can usually qualify for regular cards.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.