How to Get a Credit Card Without a CIBIL Score in India (2026 Guide)

Many first-time credit card applicants in India face the same problem: they don't have a CIBIL score yet.Since they have never taken a loan or used a credit card before, banks may not have enough credit history to evaluate their repayment behavior.The good news is that you can still get a credit card even if you don't have a CIBIL score.In this guide, we'll explain how to get a credit card without a credit history, which cards are easier to obtain and how you can start building your CIBIL score from scratch.

What Does "No CIBIL Score" Mean?

A CIBIL score is generated when a person starts using credit products such as:
  • Credit cards
  • Personal loans
  • Education loans
  • Home loans
  • Consumer durable loans
If you've never used any credit product before, you may have no credit history, which means no CIBIL score has been generated yet.his is common among:
  • College students
  • Fresh graduates
  • First-job professionals
  • People who have never taken a loan

Can You Get a Credit Card Without a CIBIL Score?

Yes.Many banks understand that first-time applicants won't have a credit history. Instead of relying on a CIBIL score, they may evaluate:
  • Monthly income
  • Employment status
  • Existing relationship with the bank
  • Fixed deposits
  • Savings account history
This makes it possible for beginners to get approved even without a credit score.

Best Ways to Get a Credit Card Without a CIBIL Score 

1. Apply for an FD-Backed Credit Card

This is usually the easiest and safest option.FD-backed credit cards are issued against a Fixed Deposit, which reduces risk for the bank.