Easily approved credit cards for beginners (unsecure)

[theflash]

I answered ..
Icici apay is no go for newbies

You can get it as your first cc but not as 2nd or 3rd without completing 1 year on first cc

It also has 21 as min age requirement....

 

[chuckzspadina]

areee,, i was asking for my Mom

If your mom is using Flipkart then first get Flipkart pay later,
Because last year I had two pay later active then the first credit card I applied was ICICI Amazon card but it got rejected and later after few months I applied for Axis Flipkart because it was shown pre-approved in my Flipkart and it got approved then as my other pay later was from IDFC so after a month I applied for idfc cc and it was instantly approved.
So get a Pay later and you will get a offer in few months.
Or other option is to open a bank account and wait for pre approved offer for CC.

 

[Shubham330Shubham330 is verified member.]

wow thank you so much for this detail, How about Kiwi credit card for beginner ?

Kiwi or jupitor are good. Those are short term and upi specific cards. So for that those are Useful.

But if you are looking to build some strong cc portfolio then those are not preferred. You can apply for that but don't make that as your primary spending card other than upi transactions

 

[hellowo₹ld]

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...

• hellowo₹ld
• Replies: 5
• Forum: Credit Card - General

• 

: )

 

[Mahirathore360]

Kiwi or jupitor are good. Those are short term and upi specific cards. So for that those are Useful.

But if you are looking to build some strong cc portfolio then those are not preferred. You can apply for that but don't make that as your primary spending card other than upi transactions

even if they are useless in long term but they are LTF cards , we can keep them in our portfolio

 

[Mahirathore360]

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...

• hellowo₹ld
• Replies: 5
• Forum: Credit Card - General

• 

: )

yeah they are good beginners cards

 

[VibhavBilgoji]

If it's rejected u can apply for the same after 6 months
Try for hdfc swiggy card or if u have their savings acc wait for pre appr offer
In hdfc taking core card first would be a good practice

As u r a student, try to apply for co branded cards like flipkart axis googlepay ace cc, apay cc, kiwi cc they don't ask for inc proof and apply as self-employed.
Good luck!

i tried applying for HDFC Neu and HDFC Swiggy from the website
both got rejected instantly🥲

is the minimum age 18 or 21?
i am not even 19 yet 🥲

 

[theflash]

i tried applying for HDFC Neu and HDFC Swiggy from the website
both got rejected instantly🥲

is the minimum age 18 or 21?
i am not even 19 yet 🥲

21 for hdfc tn and Swiggy ig core is 18 afaik

 

[VasukiVasuki is verified member.]

i tried applying for HDFC Neu and HDFC Swiggy from the website
both got rejected instantly🥲

is the minimum age 18 or 21?
i am not even 19 yet 🥲

I know u will have a itch to apply but don't
Wait for pre approved
Have hdfc , axis and icici account if you can afford

 

[VibhavBilgoji]

I know u will have a itch to apply but don't
Wait for pre approved
Have hdfc , axis and icici account if you can afford

opening an account is no big deal
what should be the minimum balance i have to maintain to get such pre approved offers?

 

[VasukiVasuki is verified member.]

opening an account is no big deal
what should be the minimum balance i have to maintain to get such pre approved offers?

Maintain as much as you can in hdfc

Axis maintain 5k ..& near last week of month do Fd for 7 days 💀 break after 30th .

Icici don't open now
If you have 1 lakh open family 360 account maintain 1 lakh for month then it's zero mab

 

[Mahirathore360]

Maintain as much as you can in hdfc

Axis maintain 5k ..& near last week of month do Fd for 7 days 💀 break after 30th .

Icici don't open now
If you have 1 lakh open family 360 account maintain 1 lakh for month then it's zero mab

wow that FD hack is absolutely top notch way ,

 

[ParthProLegend]

how long should the credit history be for a better chances?
i have CIBIL score of 772 with around 10-11 months of credit history
i only have IDFC WOW secured card as of now

same situation, just 2025 January amd CIBIL 776, what did you do>?

 

[ParthProLegend]

wow that FD hack is absolutely top notch way ,

Axis maintain 5k ..& near last week of month do Fd for 7 days 💀 break after 30th .

This works that good? I am maintaining 40k for the last 6 months, just created a 25k FD on 2 September, should i just close it and maintain that 40k, make a 35k fd in last week and break it on last day of month and repeat? I am part of Burgundy Salary Family Banking too, no pre-approved yet.

 

[Sree CC]

I answered ..
Icici apay is no go for newbies

You can get it as your first cc but not as 2nd or 3rd without completing 1 year on first cc

But luckily I got 2 approved within one month... 1. Coral HPCL, 2. Amazon Pay.