Best Credit Cards for Students & Without Income Proof (FD Based Cards)
Agar aap ek student hain, freelancer hain ya abhi aapke paas koi official salary slip/ITR nahi hai, toh regular credit card ke liye apply karna aksar reject ho jata hai. Aise me sabse aasan aur 100% guaranteed tarika hota hai FD Based (Secured) Credit Card.
In cards ke liye kisi income proof ya purane CIBIL score ki zaroorat nahi hoti. Aap bank me ek chhota Fixed Deposit (FD) karte hain aur uske badle bank aapko credit card de deta hai. Is card se aap apna CIBIL score bhi 750+ bana sakte hain aur aapki FD par interest bhi milta rehta hai.
FD Based Credit Card Ke Fayde:
- 100% Guaranteed Approval: Koi salary slip ya ITR document nahi manga jata.
- Double Fayda: Aapki FD par saal ka 6.5% se 7.5% tak interest milta rehta hai aur sath me credit limit bhi milti hai.
- Instant CIBIL Score Generation: 4 se 6 mahine regular use karke payment karne par naya credit score ban jata hai.
- Zero Joining / Annual Fee: Inme se zyadatar cards bilkul free hote hain.
Top 4 FD Based Credit Cards in India:
1. OneCard (FD Based Metal Card)
Bharat ka sabse stylish metal card jo beginners aur students ke liye behtareen hai.
- Minimum FD: ₹5,000 se start.
- Credit Limit: FD amount ka 100% tak limit.
- Annual Fee: ₹0 (Lifetime Free).
- Direct Apply Link: Apply for OneCard OnlineApply for OneCard Online
2. IDFC FIRST WOW Credit Card
International transactions aur zero forex markup ke liye yeh best card hai.
- Minimum FD: ₹2,000 se shuruat.
- Credit Limit: FD amount ka 100%.
- Special Benefit: Is card par zero forex fee lagti hai, yaani foreign payments par koi extra charge nahi.
- Direct Apply Link: Apply for IDFC FIRST WOW Card
3. Kotak 811 Dream Different Credit Card
Kotak bank ke zero-balance account holders ke liye sabse pasandeeda option.
- Minimum FD: ₹10,000.
- Credit Limit: FD ka lagbhag 90%.
- Annual Fee: ₹0.
- Direct Apply Link: Apply for Kotak Dream Different Card
4. Paisabazaar Step UP Credit Card (SBM Bank)
Jin logo ka CIBIL score kharab ho chuka hai, unke score ko rebuild karne ke liye special credit-builder card.
- Minimum FD: ₹2,000.
- Direct Apply Link: Apply for Step UP Credit Card
Online Apply Kaise Karein (Sirf 5 Minute Me):
- Upar diye gaye kisi bhi card link par click karein.
- Apna mobile number aur Aadhaar/PAN details daalkar basic KYC karein.
- Apni marzi ka FD amount (jaise ₹2,000 ya ₹5,000) chunein aur UPI/Net banking se payment karein.
- Instant virtual credit card aapke app me generate ho jayega jise aap online shopping ke liye turant use kar sakte hain.
- Physical card kuch hi dino me aapke ghar deliver ho jata hai.
Agar aap ek student hain, freelancer hain ya abhi aapke paas koi official salary slip/ITR nahi hai, toh regular credit card ke liye apply karna aksar reject ho jata hai. Aise me sabse aasan aur 100% guaranteed tarika hota hai FD Based (Secured) Credit Card.
In cards ke liye kisi income proof ya purane CIBIL score ki zaroorat nahi hoti. Aap bank me ek chhota Fixed Deposit (FD) karte hain aur uske badle bank aapko credit card de deta hai. Is card se aap apna CIBIL score bhi 750+ bana sakte hain aur aapki FD par interest bhi milta rehta hai.
FD Based Credit Card Ke Fayde:
100% Guaranteed Approval: Koi salary slip ya ITR document nahi manga jata.
Double Fayda: Aapki FD par saal ka 6.5% se 7.5% tak interest milta rehta hai aur sath me credit limit bhi milti hai.
Instant CIBIL Score Generation: 4 se 6 mahine regular use karke payment karne par naya credit score ban jata hai.
Zero Joining / Annual Fee: Inme se zyadatar cards bilkul free hote hain.
Top 4 FD Based Credit Cards in India:
1. OneCard (FD Based Metal Card)
Bharat ka sabse stylish metal card jo beginners aur students ke liye behtareen hai.
Minimum FD: ₹5,000 se start.
Credit Limit: FD amount ka 100% tak limit.
Annual Fee: ₹0 (Lifetime Free).
Direct Apply Link: Apply for OneCard Online
International transactions aur zero forex markup ke liye yeh best card hai.
Minimum FD: ₹2,000 se shuruat.
Credit Limit: FD amount ka 100%.
Special Benefit: Is card par zero forex fee lagti hai, yaani foreign payments par koi extra charge nahi.
Direct Apply Link: Apply for IDFC FIRST WOW Card
Kotak bank ke zero-balance account holders ke liye sabse pasandeeda option.
Minimum FD: ₹10,000.
Credit Limit: FD ka lagbhag 90%.
Annual Fee: ₹0.
Direct Apply Link: Apply for Kotak Dream Different Card
Jin logo ka CIBIL score kharab ho chuka hai, unke score ko rebuild karne ke liye special credit-builder card.
Minimum FD: ₹2,000.
Direct Apply Link: Apply for Step UP Credit CardApply for OneCard Online
Upar diye gaye kisi bhi card link par click karein.
Apna mobile number aur Aadhaar/PAN details daalkar basic KYC karein.
Apni marzi ka FD amount (jaise ₹2,000 ya ₹5,000) chunein aur UPI/Net banking se payment karein.
Instant virtual credit card aapke app me generate ho jayega jise aap online shopping ke liye turant use kar sakte hain.
Physical card kuch hi dino me aapke ghar deliver ho jata hai.
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