Choose Your Suitable Credit Card For No Credit History

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SBM Magnet Gild Card

Annual Charges - Nil

SBM Magnet Gild Credit Card offers guaranteed approval, helping you build your credit score. Enjoy the convenience of an instant virtual and physical card for offline transactions. Earn 1% cashback on your purchases and grow your savings with up to 7% interest on fixed deposits. Unlock financial benefits with this versatile credit card.

No Credit History or Income Proof Required: You can get approved for this credit card without the need for a credit history or income proof, making it accessible to a wide range of individuals.
Unlimited Cashback: Earn unlimited cashback on every purchase you make, providing you with a valuable reward for your spending.
Lifetime Free Card: This credit card comes with no annual fees, ensuring that you can enjoy its benefits without the burden of ongoing costs.
No Hidden Charges: With full transparency, you won't encounter any hidden or surprise charges, giving you peace of mind in managing your finances.
Credit Limit Increase: Increase your credit limit with a single click, helping you access more financial flexibility as your needs grow.

Fee/Charge	Amount or Details
Joining Fee	Free
Annual Fee/Renewal Fee	Free
Interest-Free Period (Grace Period)	45 Days
Credit Limit (Based on Fixed Deposit)	90% of the Fixed Deposit amount

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IDFC Wow Credit Card

Annual Charges - Nil

The IDFC Wow Credit Card offers a unique blend of accessibility and savings. Without needing income proof, it welcomes a wide range of users. This card facilitates credit history building and provides interest on fixed deposits while offering an interest-free credit period of up to 48 days.

Zero Fees: No joining fee or annual fee, making it cost-effective.
Fixed Deposit Security: High credit limit secured by a fixed deposit.
Interest Earnings: Continue to earn 7% interest on your fixed deposit while enjoying credit.
EMI Flexibility: Convenient EMI options for payments.
No Income Proof: Accessible to various individuals, including students and homemakers, without income proof requirements.

Joining Fee	NIL (No joining fee)
Annual Fee	NIL (No annual fee)
Add-on Card Fee	NIL (No fee for add-on cards)
Finance Charges	Monthly Rate: 0.75% - 3.5%; Annual Rate: 9% - 42% p.a.

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ICICI Credit Card

ICICI Bank Instant Platinum Credit Card

Annual Charges - Nil

The ICICI Bank Instant Platinum Credit Card is a secured credit card perfect for individuals building credit. It requires a minimum fixed deposit of ₹20,000 with no annual fee, offers rewards on spending, and provides exclusive dining privileges through the ICICI Bank Culinary Treats program.

Secured Credit Building: Ideal for newcomers to credit, it's backed by a fixed deposit, helping you establish a credit history.
No Annual Fee: Enjoy card benefits without worrying about annual charges.
Reward Points: Earn rewards on every ₹100 spent, redeemable for cashback and vouchers.
Exclusive Dining Offers: Access culinary treats at select restaurants.
No Joining Fee: Get started without any joining fees.

Joining Fee	NIL
Annual Fee	Nil
Supplementary Card Fee	NIL
Finance Charges	2.49% per month (29.88% p.a.)

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Kotak 811 #DreamDifferent Credit Card

Annual Charges - Nil

The Kotak 811 #DreamDifferent Credit Card is the ideal companion for students and lifestyle enthusiasts. With rewards on online and offline spending, interest-free cash withdrawals, and a flexible credit limit tied to your term deposit, it offers financial freedom. Enjoy movie, music, dining discounts, plus surcharge waivers on fuel and railway expenses. Best of all, there are no annual fees, making it a hassle-free choice for dreamers.

Rewarding Spends: Earn rewards on both online and offline purchases, making every transaction more valuable.
Interest-Free Cash: Access up to 90% of your credit limit with no interest for up to 48 days on cash withdrawals.
Flexible Credit Limit: Your credit limit can be linked to your term deposit, giving you greater financial flexibility.
Entertainment Perks: Enjoy discounts on movies, music, dining, and more for a vibrant lifestyle.
No Annual Fees: Experience the benefits of this card for free with no annual charges, making it budget-friendly.

Joining Fees	Not Applicable (NA)
Annual Fees	Nil
Condition for waiver of Annual Fees - First Year	NA
Condition for waiver of Annual Fees - Second Year	NA
Add-on Card Fees	Nil
Interest Charges on Outstanding Balances	3.50% (Annualized 42%)

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Bajaj Finserv Insta EMI Network Card

Annual Charges - Rs. 530

The Bajaj Finserv Insta EMI Card is a digital credit card offering a hassle-free way to shop with interest-free EMIs at a vast network of partner stores. Enjoy a pre-approved limit of up to ₹2 lakh, flexible repayment options, and zero foreclosure charges. It's your key to affordable and convenient shopping.

Generous Pre-Approved Limit: Enjoy a pre-approved loan limit of up to ₹2 lakh for your purchases.
Interest-Free EMIs: Convert your purchases into interest-free EMIs for up to 60 months.
Flexible Repayment Options: Choose from various repayment tenures to suit your budget.
Zero Foreclosure Charges: No additional charges if you decide to pay off your loan early.
Easy Application: Apply online and get approval within minutes for quick access to your virtual card.

Joining Fee	₹530 (inclusive of all taxes)
Annual Fee	₹117 (inclusive of all taxes)
Late Payment Fee	₹117 (inclusive of all taxes)
Foreclosure Charges	Nil

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Article by Nanne Parmar