Credit Card – Credit cards have completely transformed the way we make payments, both online and offline. While having a bank account is often easier to obtain, it’s not essential. Now, you can get a credit card without a bank account. This provides convenience to those who prefer alternative financial solutions. In this article, we’ll explain how to get a credit card without a bank account, specifically through the services offered by banks.
Understanding Credit Cards Without a Bank Account
If you’ve always wondered how to get a credit card without a bank account, many banks like ICICI, HDFC, and Axis offer programs for this purpose. You can apply, get approved, and use these cards. They offer many benefits and flexibility, and you don’t even need a bank account to make payments.
How to apply for Credit Card Without a Bank Account?
- First of all go to the credit card application page on the bank’s website.
- Enter your mobile number in the box provided and click on ‘Submit’.
- You will receive an OTP (one-time password) on your mobile number. Enter it in the box.
- You’ll see pre-approved credit card offers. If one seems right for you, select it. If not, move on.
- Fill all the required information correctly.
- After submitting the information, a bank representative will contact you and process your application.
- Once your application is processed and the required documents are submitted, you will get a credit card without a bank account.
Eligibility Criteria
The applicant must be at least 21 years of age.
He must have a stable source of income, whether it is from a job or business.
Typically, you should have a credit score of 750 or higher. The better the score, the greater the chances of approval.
Required documents
PAN card and Aadhaar card
Recent passport size photograph
Utility bills (electricity, water, etc.) for address proof
Income proof like salary slips for salaried individuals and bank statement or income tax return for self-employed applicants.