Last updated: 21 August 2026
Eligibility
- Age: 18+
- Income: ₹15,000-25,000/month (entry cards)
- CIBIL: 700+ ideal (no history bhi chalta)
- Docs: Aadhaar, PAN, income proof
Best First Cards
| Card | Kyon |
|---|---|
| ICICI Amazon Pay | LTF + 5% Amazon cashback |
| HDFC MoneyBack+ | LTF, HDFC account se easy |
| IDFC First Wala | No income proof |
| Amex MRCC | Best rewards (4x points) |
No Credit Score?
- FD-backed secured card — ₹10K-25K FD, 6 mahine me score
- Bank account card — pre-approved offer
Process
- Bank app me "Credit Card" section
- Card select + income
- KYC (Aadhaar OTP)
- Approval: instant-7 din
Frequently Asked Questions
Q: Can I get card without income proof?
A: Haan — FD-backed secured card ya bank-account cards (IDFC First Wala).
Q: What score for first card?
A: No history is fine. 700+ ho to premium cards milte hain.
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