If she is salaried employee, apply by visiting the branch. Else get a credit card against fd, icici one is the best. You can get a fd card by one card by just 2k fd, it will help generate credit score. I would highly recommend do a fd of 60k with icici and get that credit card, With decent limit u can apply by card to card method and you might also get preapporved offers for unsecured card. Once you get the other card, cancel fd.