Can I Get Credit Card Without Income? Hidden Approval Secrets

Getting a credit card without income is no longer rare or impossible. Today, banks and fintech companies across the world legally issue a credit card without income proof by using alternative eligibility checks instead of salary slips or employment letters.

This in-depth guide explains how I can get a credit card without income, how approval works globally, which banks provide options, tax implications, FD-based cards, lifetime free cards, and how to apply for a credit card without income proof safely.

Real example: A student in India with no job but ₹20,000 FD gets a RuPay card and builds a CIBIL score in 6 months.

Covers India + global markets

Updated rules for 2026

Suitable for students, freelancers, homemakers, and zero-income users