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How to Get a Credit Card Without a Bank Account?

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May 8, 2023


What’s Inside

A credit card is highly valuable for shopping, travelling, and dining out. It saves you from carrying excess cash, and the credit limit is often more than enough to cover your expenses. Still, for most credit card aspirants, particularly youngsters, the question that often comes to mind is: Can we get credit card without bank account?

Fortunately, the answer’s yes! You don’t need a bank account to avail of credit card services. Throughout this guide, we’ll cover the basics of operating such a credit card and the criteria that make you eligible for it.

What Kind of Credit Card Can I Get With No Bank Account?

Procuring a secured credit card without a bank account is very easy. Firstly, the bank requests a security deposit from the applicant as collateral to ensure financial security. If the customer falls behind on their bills during the billing period, the money is directly recovered from their security deposits. Banks also offer the opportunity to hold money in mutual funds and recurring deposits as collateral.

A person with zero credit history can easily have a secured credit card in their name. In fact, people often utilise credit cards as a means to enhance their credit scores safely.

Eligibility Criteria

Certain eligibility criteria need to be fulfilled first by an applicant to get a credit card without a bank account. The compulsory eligibility requirements for credit card approval are:

  • The applicant must be 18 years of age at least. Some banks even stipulate a minimum age limit of 21 years, while the maximum age limit may vary between 60 and 70 years.
  • The applicant needs to show a stable income source. That assures the issuer of prompt repayment as and when they create the next statement. Thus, salaried individuals or the self-employed are entitled to a card.
  • The applicant’s credit history is a vital factor in card issuance or rejection of the application. A sound credit history increases the chances of approval, while a weak credit score usually leads to rejection.

Steps for Applying for a Credit Card Without a Bank Account

Recently, a few banks have launched Supercards to enable the use of credit cards for different purposes like travelling, shopping, meeting emergency healthcare expenses, and fine dining, among others. Moreover, making repayments on such card accounts is also easier without linking them to a bank account. Here’s how you can apply for one:

  • You need to register an active mobile number to receive the relevant OTPs.
  • A new page will subsequently show your credit card's pre-approved offers. You can choose the one that best suits your needs and proceed with the application.
  • Once you submit all the required details and documents, an authorised representative of the bank calls the applicant to start processing the application. The bank then dispatches your card within the next 48 hours.


Having a credit card without a bank account yields its own set of benefits. Yet, it’s best to operate an account with the same bank to avail of exclusive offers and discounts. A well-maintained bank account also allows you access to low-interest loans.

Fi & Federal Bank brings you a reward-heavy, hassle-free credit card. Get rewarded every time you purchase with our card! Your rewards will keep improving as your spending habits change each month. With up to 5X accelerated rewards on spending at any of India's top 21 brands, our card offers an exceptional deal. You can also access premium perks such as Lounge Access, Low Forex Fee, Instant Credit Card Issuance, Customised Reminders, and Spend Insights. As a welcome offer, you'll receive exclusive vouchers from top brands worth ₹5,000! So hop on to the waitlist now!

Frequently Asked Questions

1. Which bank credit card is easy to get?

HDFC Bank, Kotak, Bajaj Finserv, Standard Chartered Bank, RBL Bank, SBI and Axis Bank are some of the banks with a convenient credit card application card process.

2. Can I get credit card without bank account for my salary?

Yes, but you need to disclose other assorted income sources or even a substantial bank balance. Secured credit cards are available against mutual funds or fixed deposits.


Fi Money is not a bank; it offers banking services through licensed partners and investment services through epiFi Wealth Pvt. Ltd. and its partners. This post is for information only and is not professional financial advice.
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