Top 5 Credit Cards for Beginners in India (2025) – No CIBIL Required

Introduction
Agar aap student hain, freelancer hain, ya aapki CIBIL history abhi ban nahi payi hai, toh credit card lena thoda mushkil lagta hai. Lekin 2025 mein kaafi aise credit cards available hain jo CIBIL score ke bina bhi mil jaate hain. Ye cards specially un logon ke liye hain jo apna credit score build karna chahte hain ya card use karke smart spending karna chahte hain.

Is blog mein hum aapko batayenge top 5 aise credit cards ke baare mein jo beginners ke liye best hain – bina CIBIL score ke bhi.

1. SBI Student Plus Advantage Card

• Eligibility: Student + SBI Fixed Deposit
• Benefits: No CIBIL required, Fuel surcharge waiver, Reward points, ₹500 annual fee (waivable)
• Perfect for: Students in college

2. ICICI Amazon Pay Credit Card

• Eligibility: Amazon account + Full KYC
• Benefits: Lifetime free, 5% cashback on Amazon, No CIBIL required
• Perfect for: Online shoppers, new users

3. HDFC MoneyBack+ Credit Card

• Eligibility: ₹15,000 monthly income or income proof
• Benefits: 10X rewards, Fuel waiver, Joining vouchers
• Perfect for: Freelancers, low-income users

4. Kotak 811 Dream Different Credit Card

• Eligibility: Kotak 811 account holder
• Benefits: FD-backed, No CIBIL/income needed, Zero fees
• Perfect for: Beginners with no salary or score

5. OneCard Credit Card (By Federal Bank & SBM)

• Eligibility: App-based soft check
• Benefits: Metal card, Full app control, Lifetime free
• Perfect for: App-friendly users, new earners

Bonus Tips: How to Get Credit Card Without CIBIL

• Open FD-backed credit card
• Maintain ₹10,000+ in savings account
• Use UPI apps actively
• Try fintech credit cards like OneCard or Slice

Conclusion

CIBIL score na hona ab credit card lene mein rukawat nahi hai. Upar diye gaye cards beginners ke liye safe, affordable aur convenient options hain. In cards ka responsible use karke aap apna CIBIL score build kar sakte hain jo future loans ke liye helpful hoga.

Aap kaunsa card lena chahenge? Neeche comment karke zaroor batayein!