Any credit cards without income proof & Physical verification

[Pack_of_Cards]

Which cards does not require any income proof & physical verification?
I had a bank account with kotak and I got a call that I was pre-approved for league platinum credit card, I got a limit of 33k I've been using it since, but it doesn't have any offers or anything worthy except reward points.
I was thinking of applying for new credit cards my cibil is 760 and I have a healthy credit profile and repayments on time. Last i had a offer of hdfc neu credit card for LTF but they rejected it because of physical verification.

Any suggestions with credit cards that doesn't require income proof & physical verification is appreciated.

I think you got the gist of which CC to go for. I will just add that don't go for too many basic entry level card for several reasons.

1. Low Limit - Even if approved without proof and verif. limit will be low and you will have to sweat a lot to increase it.
2. You may end with with cursed card (HDFC moneyback/freedom+) for starters.
3. Too many fintech cards - not to good (IMHO). (They are easy to get and even easier devalued before you realize the potential)
4. Hard to upgrade to premium cards directly.

You have whole life to chase CC go slow.

That's my two Cents Sorry "Rupees"

 

[RishiKiDev]

That's my two Cents Sorry "Rupees"

You mean two "paise" right? 😂

 

[Pack_of_Cards]

You mean two "paise" right? 😂

hahaha bang on yes!

 

[SSV]

Acc to rbi site, self declaration is enough for current address

Good for you. You won't have to change your Aadhar now.

This is for RBI to put on their notice board .. Banks do their own thing ...
That is how our regulations work here ..
90 % of bank employees don't even know majority of RBI regulations ..
What a pity ..

 

[Cosmicgaze]

I was able to get One card was without Physical verification... Don't know now what they do.

They capture location details when you do the vkyc. I had got pre approved sms and applied while travelling within city either during the application it was not letting me proceed further as location was not as aadhar vkyc also would send request to location permission. So that’s how they do the verification of the location area matches the aadhar.


With regards income if some bank had previously verified or uploaded your income value on CIBIL I guess they may not ask.

 

[deep@vie]

Au offers mainly cc to salaried personal only most of the customer who are self employed will not be able to get the card easily.
In my personal opinion or experience
Only 1 self employed customer got Au cc rest 40-50 application were rejected even if they full fill all the requirements.

Ask those 40-50 people to connect with me,will get it done

 

[deep@vie]

Update: I have a bank account in Au finance Bank which I use regularly. Got a call today from my relationship manager that "AU LIT card is pre-approved for you and let me know if you want it"
She also said that no documents and other things are required
Should I take it?

Open AU0101 app & see in offers, if it's available there & see the limit as well.

 

[plastikman]

I know! And he holds an AmEx that too without income proof and verification. 😂
Varun has some hand of God above him regarding credit cards

Amex aile without verification card batuchi 😅

T: Amex is distributing cards without any verification 😅

 

[deep@vie]

They gave a pre approved Zenith + to my wife just a couple of months after she opened an account and it was clubbed with my Ivy account (their premier account). The branch manager even put her as "housewife " even though she has a very decent ITR and income. Still, they issued it instantly. In my case, the branch manager has been fighting with the credit card department, even going up all the way to their national head. Still, everytime they reject it. I have given up but the manager is still trying her best.

Are you self-employed & WFH?

 

[plastikman]

I am student and declared as student, no verifications, just vkyc🤭🤷

I got SBI Simply Click, RBL Titanium, Canara Classic, HDFC Regalia First, SC Super Value Titanium, Kotak Royale,Ola SBI and HSBC Visa Plat and APay when I was a student 😅

 

[deep@vie]

Please use a Google search and type "RBI mandated Official Valid Documents"
You will find out your answer.

Aadhar/DL/Votercard/Passport (3more words)

 

[SSV]

I got SBI Simply Click, RBL Titanium, Canara Classic, HDFC Regalia First, SC Super Value Titanium, Kotak Royale and Ola SBI when I was a student 😅

So you must had been a Brilliant student then with A ++++++ grade !!!

 

[plastikman]

So you must had been a Brilliant student then with A ++++++ grade !!!

I used to hand out 'A's as a RA during my PhD days. The banks used to show fellowship as salary and designation as SRF 😅

 

[deep@vie]

So you must had been a Brilliant student then with A ++++++ grade !!!

Yes, he must have passed with distinction.

I got SBI Simply Click, RBL Titanium, Canara Classic, HDFC Regalia First, SC Super Value Titanium, Kotak Royale,Ola SBI and HSBC Visa Plat when I was a student 😅

Did you show yourself as student only,I guess not

 

[deep@vie]

Which cards does not require any income proof & physical verification?
I had a bank account with kotak and I got a call that I was pre-approved for league platinum credit card, I got a limit of 33k I've been using it since, but it doesn't have any offers or anything worthy except reward points.
I was thinking of applying for new credit cards my cibil is 760 and I have a healthy credit profile and repayments on time. Last i had a offer of hdfc neu credit card for LTF but they rejected it because of physical verification.

Any suggestions with credit cards that doesn't require income proof & physical verification is appreciated.

Download onescore app.
Soon they'll offer you a pre-approved onecard.

 

[plastikman]

Yes, he must have passed with distinction.

Did you show yourself as student only,I guess not

True for all cards, except the Canara card 🙂

 

[deep@vie]

True for all cards, except the Canara card 🙂

Canara should do kinara from you🤣

 

[plastikman]

Canara should do kinara from you🤣

I used to deal with their Shikhar branch which used to deal with UGC fellowship. So, they had taken a special approval for students. Most of the PhD fellows who had an account with them started with their Cancard.

 

[varun__goel_]

True for all cards, except the Canara card 🙂

But how SBI? They don't have option for student...

 

[Lobogris]

Are you self-employed & WFH?

Yes. That is correct. No hope then? Have kept around 30 lakhs with them for this purpose but it hasn't worked.

It's unfortunate, but at this time we are not able to process an AU Bank Credit Card for you.

This is because the information provided by you does not meet the eligibility criteria we use to review Credit Card Applications.

Our eligibility criteria:

1. Viability of proposed purposes of the credit facility.
2. Past borrowings of the applicant.
3. Prior experience of the applicant in respect of the proposed purposes.
4. Regulatory and statutory provisions governing AU Bank.