A low CIBIL score can feel like a roadblock when applying for credit cards, loans, or other financial products. However, the good news is that several banks and financial institutions offer credit cards specifically designed for individuals with low or no credit history. These cards not only make approval easier but also help you rebuild your credit score over time.
Below, we explore the easiest credit cards to get approved for, how they work, and what benefits they offer.
Your CIBIL score is a three-digit number that represents your creditworthiness. It ranges from 300 to 900, and lenders prefer applicants with a score above 750.
If your score is below this, you might face rejections or higher interest rates.
But don’t worry—certain cards are tailor-made for rebuilding credit.
Secured credit cards are the easiest to get approved for because they require a fixed deposit (FD) as collateral.
The credit limit is usually 75%–100% of your FD amount.
Popular Options:
SBI SimplySAVE Secured Card
Axis Bank Instaplus Secured Card
ICICI Bank Coral Secured Card
Best for: People who want guaranteed approval and a safe way to rebuild credit.
Some banks issue low-limit cards specifically for people with low credit scores. These cards may offer smaller credit limits but are easier to get.
Examples:
AU Bank LIT Credit Card
Kotak 811 #DreamDifferent Credit Card
Best for: Beginners or those rebuilding credit without needing a large credit line.
Certain banks approve credit cards based on salary account activity rather than CIBIL score.
Examples:
HDFC Bank MoneyBack
ICICI Platinum Chip Card
If you have a stable salary account with regular transactions, you may get fast approval.
These are not traditional credit cards but work similarly and are very easy to get with low credit scores.
Examples:
Uni Card (1/3 card)
Slice Card
Best for: Short-term credit, online shopping, and building transaction history.
Using these cards responsibly can significantly boost your credit score. Here’s how:
Pay your bills on time
Keep credit utilization below 30%
Avoid applying for too many cards
Maintain your FD if using a secured card
Within 3–6 months, you may start seeing improvements.
A low CIBIL score isn’t the end of the road. With secured cards, low-limit cards, and easier approval alternatives, you can still enjoy the benefits of a credit card while rebuilding your financial reputation. Start with the right card, use it wisely, and watch your credit score rise over time.