Unsecured credit card for student with decent cibil score ?

[Palakh Andey]

Hi , I have been using the super money credit card for a few months (since sept )now and have a cibil score of 760 right now . Can I get any unsecured credit cards ?
Here are my details :-
1- Student , have some income from freelancing and stipends
2- my spends are always within my spending limit and I can afford to pay back my bills .
3- 19 years old
4- have a savings account in HDFC but didn't get any CC offer yet ( Account is 2 months old though)

Please guide me if you can
I mainly want a Visa/Mastercard CC for my subscriptions and payments . The super money card can't be used for subscriptions which is a deal breaker for me . If I have to make an FD , I can afford 10K right now for it

 

[Anupama_Jha]

Hi , I have been using the super money credit card for a few months (since sept )now and have a cibil score of 760 right now . Can I get any unsecured credit cards ?
Here are my details :-
1- Student , have some income from freelancing and stipends
2- my spends are always within my spending limit and I can afford to pay back my bills .
3- 19 years old
4- have a savings account in HDFC but didn't get any CC offer yet ( Account is 2 months old though)

Don't think if manual applications will be approved, as u don't have sufficient ITR as income proof so better wait for pre-approved offer till u turn 21.

Please guide me if you can
I mainly want a Visa/Mastercard CC for my subscriptions and payments . The super money card can't be used for subscriptions which is a deal breaker for me . If I have to make an FD , I can afford 10K right now for it

Get IDFC WOW credit card. On visa Infinite platform (BMS offer), lifetime free, and most probably they will offer you additional virtual rupay credit card.

*Min 5k FD needed

 

[Palakh Andey]

Get IDFC WOW credit card. On visa Infinite platform (BMS offer), lifetime free, and most probably they will offer you additional virtual rupay credit card.

*Min 5k FD needed

IDFC wow is 20k FD now 🥲. i wanted to get that only

 

[Anupama_Jha]

IDFC wow is 20k FD now 🥲. i wanted to get that only

Oh 😮 that's new to me.

 

[Mr. Bean]

+1 for IDFC Wow card.

In addition, please checkout secured OneCard. First try with OneScore that *might* offer you a pre-approved CC (on a lucky day). Managing subscriptions with OneCard is breeze. I have AWS, Google Cloud, Kindle and whatnot. All work nicely. I opted for OneCard (unsecured) mainly for payments outside India. Earlier, it used to work. At some point, it stopped working. Didn't try again. Using alternative card for international payments.

most probably they will offer you additional virtual rupay credit card

Indeed. Earlier, taking this virtual RuPay CC was optional. These days, it is compulsory. Earlier, it was free too. These days, it is 199+GST. So, technically IDFC Wow card isn't truly LTF.

 

[Palakh Andey]

+1 for IDFC Wow card.

In addition, please checkout secured OneCard. First try with OneScore that *might* offer you a pre-approved CC (on a lucky day). Managing subscriptions with OneCard is breeze. I have AWS, Google Cloud, Kindle and whatnot. All work nicely. I opted for OneCard (unsecured) mainly for payments outside India. Earlier, it used to work. At some point, it stopped working. Didn't try again. Using alternative card for international payments.



Indeed. Earlier, taking this virtual RuPay CC was optional. These days, it is compulsory. Earlier, it was free too. These days, it is 199+GST. So, technically IDFC Wow card isn't truly LTF.

How do I apply for Secured Onecard ? I tried applying for it but it keeps showing reserved status

 

[Mr. Bean]

How do I apply for Secured Onecard ? I tried applying for it but it keeps showing reserved status

I didn't know there is still a queue system.

 

[mukesh01]

There are some other FD based cards like Paisa Bazaar Step Up, RupiCard check those too.

 

[Palakh Andey]

There are some other FD based cards like Paisa Bazaar Step Up, RupiCard check those too.

Can some one provide a review for those , specially Zet Magnet ? I've only heard bad things about those

 

[helloworld]

Thread 'Unlocking Credit Card: Credit Cards for Low or No Income Proof'

Sep 29, 2022

Assume: Person has CIBIL score of 750 above instead of NA (either by taking some loan, secured credit card etc. options will generated credit score).

Options (unsecured cards without bank accounts):

- Onecard
- Axis Airtel
- HDFC Moneyback+/Freedom
- SBI SimplyClick/SimplySave
- ICICI Platinum

Based on shopping apps:

- ICICI AmazonPay
- Axis Flipkart
- HDFC Swiggy
- Kotak Myntra (*Currently not available for new)

Note: Above cards might get declined due to various 'internal policy' factors but approval chances are very high and worked for many users.

Incase already...

• helloworld
• Replies: 5
• Forum: Credit Card - General

• 

: )

 

[Palakh Andey]

Thread 'Unlocking Credit Card: Credit Cards for Low or No Income Proof'

Sep 29, 2022

Assume: Person has CIBIL score of 750 above instead of NA (either by taking some loan, secured credit card etc. options will generated credit score).

Options (unsecured cards without bank accounts):

- Onecard
- Axis Airtel
- HDFC Moneyback+/Freedom
- SBI SimplyClick/SimplySave
- ICICI Platinum

Based on shopping apps:

- ICICI AmazonPay
- Axis Flipkart
- HDFC Swiggy
- Kotak Myntra (*Currently not available for new)

Note: Above cards might get declined due to various 'internal policy' factors but approval chances are very high and worked for many users.

Incase already...

• helloworld
• Replies: 5
• Forum: Credit Card - General

• 

: )

Thanks for this brother