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Ways to Get a Credit Card Without a Job

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Updated: 13-11-2024 06:36:45 AM

In order to be eligible for a credit card, you must have a steady source of income. This income need not necessarily come in the form of a monthly salary. You may not have a job but if you are a self-employed business person or a self-employed professional, you would be eligible to get a credit card. However, since credit card issuers are more interested in your income than your job, getting a credit card without a steady source of income is nearly impossible.

Many banks require proof of employment before giving out a credit card, but it is possible to get a credit card without having a job. Here we have discussed all the possible ways in which you can get a credit card without a job.

How to get a Credit Card without a Job?
Bottom Line

How to get a Credit Card without a Job?

Below mentioned are the ways to get a credit card if you are unemployed or do not have a regular flow of income-

1. Consider getting a Secured Credit Card

Secured credit cards provide similar benefits as their regular counterparts but are issued against an individual’s fixed deposits. Secured credit card safeguard lenders from the risk of default and hence allows them to offer comparatively more flexible eligibility criteria as that of a standard credit card.

For example, to get Kotak Mahindra Bank’s Aqua Gold credit card, you are required to open a fixed deposit for a minimum of Rs 25,000 with the bank.

2. Include other sources of Income

If you are unemployed but have a steady income from other sources like dividends from mutual funds, professional fees and so on, include that in your application. The credit card issuers mainly check your repayment capacity of paying back the credit card dues on time.

3. Become an Add-on/Supplementary User

If you neither have income proofs nor investments in fixed deposits, you can opt for any add-on credit card if someone in your family owns a primary or standard credit card. An add-on card is an additional card issued under the primary credit card and can be availed by the primary card holder’s spouse, parents, siblings and children aged above 18 years.

Bottom Line

Not having a job should not come as a barrier to credit card approval if you have a good credit history and a source of income you can use to pay the bills. If you are a business person or a professional, you should keep income proofs like ITR, Form-16 or your business’s financial statements.

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