Instant Credit Cards for CIBIL Score Below 650 – No Income Proof Needed (2025 Guide)
Introduction: Yes, You Can Still Get a Credit Card!
A low CIBIL score—especially one below 650—can feel like a locked door when applying for credit cards. Many people in India struggle with this issue due to missed EMIs, loan settlements, or simply a thin credit history. But here’s the good news: in 2025, it’s absolutely possible to get an instant credit card, even if your CIBIL score is below 650 and you don’t have income proof.
This guide reveals how you can secure a credit card fast—whether it’s through a secured card, a credit-builder solution, or newer fintech options. No more waiting in line or facing rejections!
Can You Really Get a Credit Card with a CIBIL Score Below 650?
The short answer is yes, but it depends on the type of card and provider.
Traditionally, most banks in India consider a CIBIL score of 750+ as ideal. But times are changing. Now, many NBFCs, fintech startups, and even traditional banks offer secured or low-risk credit cards designed for users with poor or no credit history.
Low credit doesn’t always mean bad financial behavior. It could simply mean:
- You’re new to credit
- You missed a few payments
- You settled a loan in the past
In all these cases, certain credit card options are still available—no income proof required.
Types of Credit Cards Available for Low CIBIL Scores
1. Secured Credit Cards
These are backed by a fixed deposit (FD). Since the bank has collateral, your CIBIL score or income proof is not needed.
Key Benefits:
- 100% approval (if you open an FD)
- Builds credit score fast
- No salary slips required
2. Fintech or Neo-Bank Credit Cards
Companies like OneCard, Slice, and AU Small Finance Bank offer credit cards with minimal CIBIL dependency.
Benefits:
- App-based approval
- Fast KYC
- Designed for low-credit customers
3. Credit Builder Cards
These are specifically made for users with bad credit to rebuild their score. Think of it as a “training” credit card.
Top Instant Credit Cards for CIBIL Score Below 650 – No Income Proof Required
Here are the best credit card options in 2025 for those with a CIBIL score under 650:
| Bank / Provider | Card Name | CIBIL Required | Income Proof | Annual Fee | Approval |
|---|---|---|---|---|---|
| SBI | SBI Advantage Plus Secured | No | ❌ Not Required | ₹500 | FD-Based Instant |
| Axis Bank | MY Zone Easy Credit Card | 600+ | ❌ Optional | ₹500 | Moderate Approval |
| ICICI Bank | ICICI Instant Platinum FD Card | None | ❌ Not Required | ₹0 (FD) | Instant Approval |
| OneCard | OneCard Secured Credit Card | 650+ | ❌ Not Required | ₹0 | App-Based Fast |
| AU Bank | AU LIT Credit Card | 650 | ❌ Optional | ₹0 | Quick e-KYC Approval |
🔎 Quick Highlights:
- SBI Advantage Plus is best for FD holders with no CIBIL.
- OneCard offers app-based onboarding with minimal checks.
- ICICI FD Card is ideal for complete beginners in credit.
- AU LIT and Axis MY Zone are semi-premium but relaxed on eligibility.
No Income Proof? Here’s How to Still Get Approved
You don’t need salary slips or ITR to get a credit card if you follow these routes:
✅ Open a Fixed Deposit
Most secured cards only need you to deposit ₹10,000 to ₹25,000. That’s it!
✅ Apply Through Digital-First Banks
Cards like OneCard or AU LIT only require Aadhaar + PAN for KYC.
✅ Use Pre-approved Offers from Your Bank
Banks often approve credit cards for their existing savings or FD account holders.
✅ Go for Co-branded Cards
Some cards offered with brands like Amazon, Ola, etc., have easier eligibility.
Step-by-Step: How to Apply for a Credit Card with Bad Credit
Step 1: Choose a secured or low-score-friendly card
Step 2: Gather your documents: PAN + Aadhaar
Step 3: If it’s FD-based, open an FD online (₹10,000–₹25,000)
Step 4: Apply online via the bank or card app
Step 5: Complete e-KYC or Video KYC
Step 6: Wait 1 hour to 48 hours for digital approval
Tips to Increase Your Approval Chances (Even with Bad Credit)
✅ Avoid Multiple Applications at Once: Too many checks can lower your score further.
✅ Start with a Secured Card: It’s nearly guaranteed approval and builds trust.
✅ Maintain Low Utilization: Always use less than 30% of your card limit.
✅ Repay on Time: Set auto-debit for your minimum due to avoid late payments.
✅ Upgrade Later: After 6 months of good usage, apply for an unsecured card.
How These Cards Can Help Improve Your CIBIL Score
Using a secured or fintech credit card responsibly improves your credit score in 3–6 months.
Here’s how:
- Each on-time payment is reported to CIBIL
- Your credit mix improves (loan + card)
- Low utilization boosts credit health
- Eventually, banks trust you for higher-limit cards
Real Case Study: Rohan’s Journey from 585 to 715 in 6 Months
Rohan, a 28-year-old from Mumbai, had a CIBIL score of 585 after settling a personal loan in 2022. He applied for an ICICI Bank FD Credit Card with ₹15,000 FD and used it for 4–5 small purchases monthly. After 6 months of on-time payments, his CIBIL went up to 715, and he got approved for a regular HDFC MoneyBack card in 2025.
Moral? Start with what you can get. Use it wisely. Level up later.
Frequently Asked Questions (FAQs)
❓ Can I get a credit card with a 600 CIBIL score?
Yes! Especially secured cards like SBI, ICICI, and digital cards like OneCard and AU LIT.
❓ Which banks give credit cards without income proof?
SBI, ICICI, Axis Bank (via secured options) and fintech providers like OneCard.
❓ What is the best secured credit card in India in 2025?
The ICICI Instant Platinum Card and SBI Advantage Plus are highly trusted.
❓ How much FD is needed for a secured credit card?
Usually between ₹10,000 to ₹25,000, depending on the bank.
❓ Does a secured credit card really improve my CIBIL?
Absolutely. It’s one of the fastest ways to rebuild your credit score if used right.
Final Thoughts: Start Small, Rebuild Fast
Getting a credit card with a CIBIL score under 650 and no income proof used to be a challenge—but not anymore.
With secured cards, digital banks, and smarter underwriting, you now have real options to:
- Get approved instantly
- Avoid income document hassles
- Rebuild your credit score
- Graduate to premium cards over time
Take the first step today. Your future credit score will thank you.
📋 Top 20 Credit Cards for Low CIBIL Score in 2025
Here’s a detailed list of credit cards sorted into categories for easy selection:
🔐 Secured Credit Cards (FD-Based – Best for Instant Approval)
- ICICI Bank Instant Platinum FD Card
- 💳 CIBIL Score: Not Required
- 💼 Income Proof: ❌
- 🏦 FD Required: ₹10,000+
- 🧾 Annual Fee: ₹0
- ⚡ Approval: Instant
- ✅ Great for beginners
- SBI Advantage Plus Card
- 💳 CIBIL Score: Not Needed
- 💼 Income Proof: ❌
- 🏦 FD Required: ₹25,000
- 🧾 Annual Fee: ₹500
- 🛡️ Benefits: Global acceptance
- Axis Bank Insta Easy Card
- 💳 CIBIL Score: No Minimum
- 💼 Income Proof: ❌
- 🏦 FD Required: ₹20,000
- 🧾 Annual Fee: ₹500 (reversed on usage)
- 🔒 Secured with instant approval
- HDFC Bank MoneyBack Secured Card
- 💳 CIBIL Score: Not Required
- 🏦 FD Required: ₹50,000
- 🧾 Annual Fee: ₹500
- 💼 High approval with FD
- 🎯 Earn cashback on spending
- Kotak 811 #DreamDifferent Credit Card
- 💳 CIBIL Score: Not Required
- 💼 FD Required: ₹15,000
- 🧾 Annual Fee: ₹0
- ✅ Simple KYC + mobile app
- 💡 Build credit without salary slip
- AU Small Finance Bank Secured LIT Card
- 💳 CIBIL Score: Below 650
- 🧾 Annual Fee: ₹0
- 🏦 App-based approval + FD
- 🧰 Fully customizable features
- Bank of Baroda Prime Card (Secured)
- 💳 CIBIL Score: No requirement
- 🏦 FD Required: ₹15,000+
- 🧾 Annual Fee: ₹500
- 🌱 Great for credit rebuilders
- IDFC First WOW Credit Card
- 💳 CIBIL Score: Not required
- 🧾 Income Proof: ❌
- 🏦 FD Required: ₹2,000+
- 💡 Fully digital process
- Yes Bank Prosperity Rewards Plus Secured Card
- 💳 CIBIL Score: NA
- 🏦 FD: ₹25,000
- 🧾 Annual Fee: ₹500
- ✅ 5X reward points
- PNB Global Classic Card (Secured)
- 💳 CIBIL Score: Not Required
- 🏦 FD: ₹10,000+
- 🧾 Annual Fee: ₹500
- 🧰 Simple KYC via PNB branch
🆕 Unsecured/Fintech Credit Cards (No FD, Easy Online Approval)
- OneCard Secured & Unsecured Version
- 💳 CIBIL Score: 650+ (or optional FD)
- 🧾 Annual Fee: ₹0
- 🧬 AI-based approval
- 💼 No income proof needed
- 📱 Fully app-based
- Slice Super Card
- 💳 CIBIL Score: 600+
- 🧾 Income Proof: Optional
- 🧾 Annual Fee: ₹0
- 🪙 Cashback + rewards
- ✅ Best for students & freelancers
- LazyPay Card (Pay Later + Credit Line)
- 💳 CIBIL Score: 600+
- 💼 Salary proof optional
- 🧾 Annual Fee: ₹0
- 🎁 EMI + cashback offers
- Uni Pay 1/3rd Card
- 💳 CIBIL Score: 650+
- 🧾 Annual Fee: ₹0
- 📆 Convert bills into 3 parts
- 🏦 Better for controlled usage
- Bajaj Finserv Insta EMI Card
- 💳 CIBIL Score: 600+
- 💼 Low income OK
- 🧾 Fee: ₹500
- 💸 Turns purchases into EMIs
- IDFC First Millennia Credit Card
- 💳 CIBIL Score: 650+
- 🧾 Annual Fee: ₹0
- 🌐 Global acceptance
- ✅ Fast-track approval with existing savings account
- Standard Chartered DigiSmart Card
- 💳 CIBIL Score: 650+
- 🧾 Monthly Fee: ₹49
- 💼 Income: ₹15,000+ only
- 🛒 Big discounts on Swiggy, Zomato
- Kotak Essentia Credit Card
- 💳 CIBIL Score: 650+
- 🧾 Monthly Income: ₹20,000
- 💰 Cashback on groceries + fuel
- 🧾 Annual Fee: ₹750
- HSBC Smart Value Credit Card
- 💳 CIBIL Score: 650–700
- 🧾 Income: ₹15,000+
- 🧾 Fee: ₹499 (waived)
- 🎁 Welcome vouchers & rewards
- AU Bank Altura Credit Card
- 💳 CIBIL Score: 650+
- 🧾 Annual Fee: ₹199
- 💼 Salary or savings account based
- 🔒 Fast KYC + good cashback
🧠 How to Choose the Right Card for You
| Situation | Best Card Type |
|---|---|
| No CIBIL / First-time user | ICICI FD Card, Kotak 811 |
| Bad CIBIL (<600) | SBI Advantage Plus, Axis Insta |
| No income proof | OneCard, Slice, AU Bank |
| Want cashback/rewards | IDFC WOW, AU LIT, Uni Card |
| Freelancers/Students | Slice, LazyPay, Kotak 811 |
🏁 Steps to Apply for These Cards
- ✅ Choose a secured or fintech option
- 📱 Visit bank website or mobile app
- 📄 Submit Aadhaar, PAN, optional income docs
- 🔒 Open FD if needed (for secured cards)
- 🎥 Complete eKYC or video verification
- 📨 Wait 1–3 days for card approval
✅ Tips to Boost Approval Chances
- Keep existing bank accounts healthy
- Apply with PAN + Aadhaar only
- Avoid applying for multiple cards at once
- Clear errors in your CIBIL report before applying
- Consider FD-based cards for guaranteed approval
📈 How These Cards Help Rebuild Credit
By using your card responsibly:
- Your payment history is reported to CIBIL
- On-time payments build trust
- Low utilization improves score faster
- After 6–12 months, you can upgrade to unsecured cards
❓ FAQs – Top Credit Cards for Low CIBIL in India
Can I get a credit card with 550 CIBIL score?
Yes. Start with a secured FD card or fintech options like Slice.
Which is the best credit card for bad credit in India?
ICICI Instant Platinum FD Card and SBI Advantage Plus are top secured picks.
Do secured credit cards help improve credit score?
Absolutely. They report monthly payments to CIBIL and help rebuild your score within months.
Is income proof required for all credit cards?
No. Many cards, especially secured ones, do not require any income proof.
What is the minimum FD for a secured credit card?
Usually between ₹10,000 to ₹25,000, depending on the bank.
🎯 Conclusion: Your Low Score Is Not the End
Your CIBIL score may be low now, but that doesn’t mean you can’t get a credit card or improve your credit. With so many secured and fintech-based options in 2025, you can easily get a card—even without income proof.
Use this guide to choose the best card for your situation, apply online, and start your journey toward a better credit future.
💡 Pro Tip: Start with one secured or fintech card → Use it smartly for 6 months → Watch your CIBIL improve → Upgrade to better cards with higher limits.