Getting a lifetime free credit card without income proof can be challenging but not impossible. Banks usually require income documents to assess creditworthiness. However, some alternatives can help you get a credit card without income proof.
Ways to Get a Lifetime Free Credit Card Without Income Proof
1. Secured Credit Cards
These are issued against a fixed deposit (FD). Since the FD serves as collateral, no income proof is required. Some top options include:
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SBI SimplySAVE Secured Credit Card
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Axis Bank ACE Secured Credit Card
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ICICI Bank Coral Credit Card (against FD)
2. Credit Cards for Existing Customers
If you have a good banking relationship (savings, FD, or past loans), banks may offer you a pre-approved credit card. Examples include:
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HDFC Bank Insta Credit Card
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ICICI Instant Platinum Card
3. Add-On Credit Cards
If a family member (parent, spouse, sibling) has a primary credit card, you can get a supplementary (add-on) card without income proof.
4. Co-Branded Store Credit Cards
Retail chains or e-commerce platforms partner with banks to offer credit cards based on transaction history instead of income. Example:
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Amazon Pay ICICI Bank Credit Card (Can be approved based on Amazon spending history)
Best Lifetime Free Credit Cards Without Income Proof
| Credit Card | Type | Key Benefits |
|---|---|---|
| SBI SimplySAVE Secured | Secured (FD) | 10x reward points on dining & movies |
| ICICI Instant Platinum | Secured (FD) | No joining/annual fee, fuel surcharge waiver |
| HDFC Insta Credit Card | Pre-Approved | No joining fee, instant digital approval |
| Amazon Pay ICICI | Co-Branded | 5% cashback for Prime users, no annual fee |
Final Thoughts
If you don’t have income proof, secured credit cards are the easiest way to build your credit score. Once you establish a credit history, you can apply for regular lifetime free cards.
