4 cards compared · Updated Oct 2026
Want a credit card but don't have a salary slip or ITR — and don't want to pay any fee? These cards need no income proof and are lifetime free: no joining fee and no annual fee, ever.
Most of them are FD-backed: you open a small fixed deposit, and the bank gives you a credit limit against it. Your FD keeps earning interest, and paying the card bill on time builds your credit score from zero. That makes them a good first card for students, homemakers and freelancers.
Yes. The cards on this page ask for no income documents and charge no joining or annual fee. Most are issued against a fixed deposit, which acts as security for the bank.
It depends on the card — some start from a few thousand rupees. Your credit limit is usually 80–100% of the FD amount. Each card page shows the details.
Yes. These cards are reported to credit bureaus like any other card. Pay the full bill on time for 6–12 months and you'll usually qualify for regular cards.
No card is guaranteed, but FD-backed cards are among the easiest to get because your deposit secures the limit. The final decision is always the bank's.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.