Bank Credit Card – How to make a Credit Card?

A Bank Credit Card is the first resort for many people when there is a sudden need for money. Credit card is easily available when you have a job. The reason is that banks and card companies evaluate the income of the applicant before issuing a credit card. For this, you have to provide proof of documents like salary statement, income tax return (ITR).

But, do you know that credit card can be made even if there is no job (eg student, retired person or housewife)? It is true that self-employed and non employed people find it difficult to get credit cards, but it is not impossible. Such people can get the card with certain conditions. you can get free Credit card from MyPremiercreditcard

Let us see how a person who does not have a job can get a credit card.

1. Standard Credit Card:

If you are not employed if you have proof of income from other sources. But, regular income from mutual fund dividends, professional fees, etc. appears in the bank account. So, after verifying the required documents, the bank can give you the credit card. Banks look at these documents only to see if the applicant will be able to pay the credit card dues on time.

Naveen Chandani, Chief Business Officer, Bank Bazaar said that most banks are hesitant to issue credit cards due to lack of jobs. However, credit cards can be found on the basis of income from other sources. If you have standard income from your investments, freelance work or professional fees, then on this basis you can get a standard credit card.

However, you will not be able to apply for the Standard Credit Card online if you do not have a job. Such people will have to visit the bank branch to apply for Standard Credit Card.

ET Online visited the IDBI Bank branch in Lucknow to find out why banks have not given the option of ‘unemployed’ on their online ‘credit card buying’ portals.

A senior bank official said, “We usually issue credit cards offline. Most other banks do the same. This is the reason why one has to visit the bank branch. Not all banks offer all types of credit card services online. “

Rajnish Prabhu, Head – Credit Cards, Yes Bank said that banks assess the applicant’s ability to pay before issuing a new credit card. Those who are not employed can apply for a credit card based on income from other sources.

2. Secured Credit Card:

If you have invested in fixed deposits, people who are not employed have another option to get a secured credit card. Sahil Arora, Director and Group Business Head, Paisa said that in a secured credit card, you get the same benefits as in a regular card. But, these are issued by looking at the individual’s fixed deposit.

The credit limit of such cards usually ranges from 80-90 percent of the fixed deposit. The cash withdrawal limit can be up to 100%.

3. Add-on Credit Card :

Neither Income Proof nor Investment in Fixed Deposit. The condition for this is that any other member of your family already has a primary / standard credit card. This type of credit card is especially useful for students and housewives.

Add-on credit cards are issued under the primary credit card. It is usually available to the spouse, parents, siblings and children of the primary cardholder. Their age should be more than 18 years. In this, the total credit limit is shared between the primary and add-on cardholders. A statement of the transactions done on both the cards comes.

What is a credit card?

A credit card is a type of plastic money card that looks like an ATM card. It not only looks like an ATM but also works like it. Through this you can shop anywhere, make payment, pay EMI, withdraw money. In credit card, you do not have to deposit money first like an ATM card, rather the bank gives you money first and then withdraws that money from you on the due date. If you are not able to return the money in that time, then the bank charges you heavy interest. Its work is similar to that of ATM but you do not get it easily like ATM. How to get a credit card has its own separate process.

Benefits of credit card

There are many benefits of using a credit card. Which are mentioned below. So let’s know about their benefits.

  • If you do not have money in your bank account, then you can buy up to the limit of your credit card with the help of credit card.
  • You can transfer money online with the help of credit card.
  • You can do online shopping through credit card.
  • With this you can pay for any service such as IRCTC Booking, Mobile Recharge, D2H Recharge, Ticket Booking, LIC Premium and Car Premium.
  • With the help of credit card, you can also pay your EMI.
  • Many companies also give a good discount when shopping with a credit card.

Credit card disadvantages

If you do not use the credit card properly, you may also suffer some losses. So let us tell you about credit card disadvantages.

  • If you have not paid the credit card bill on time. So you may have to pay a lot of interest.
  • Using a credit card can increase the cost. Because if money is not deducted from your bank account on using it, then it costs more.
  • Many times you have to pay more interest when withdrawing cash.
  • If you pay the credit card bill after the due date, then the bank charges you some Percent Charges.
  • Credit card charges bank can increase at any time.

Document Required for Credit Card

  • Pan Card
  • Photos
  • Identity Proof (Aadhar Card, Voter Id)
  • Income Tax Return Receipt Or Fix Deposit In Your Account
  • Address Proof (Telephone Or Electricity Bill)
  • Age Certificate (Birth Certificate Or Voter Id Card)

How to get a credit card?

Getting a credit card is not an easy task. For this, you have to fulfill the term & conditions of the bank.

To make a Bank Credit Card, your monthly income is first seen. According to the amount you earn every month, you are given a limit to spend in the credit card.

Any bank looks at the old details of its customer and CIBIL before giving credit card. The bank checks whether it has already taken any loan, if it has been taken before then it has been completed or not.

– If you have taken any item like house, car, TV etc. on finance, then whether you have completed its EMI or not. If you already have any EMI going on, then the bank reduces your limit accordingly.

Apart from all these things, on the basis of your credit score and on the basis of the required documents, you are issued a credit card.


Through today’s post, you learned how to make a credit card and through this post we also told you how to apply for a credit card, hope that you too will now be able to apply for your credit card.

You must have come to know that how to make a credit card, how to make a credit card, how to make a credit card, tell us how you liked this information. You also got to know the benefits of credit cards through this post. Do share this post on social media also. So that more people can reach this information.

In the loss of credit card, you should also know its disadvantages. You should also give information about this post to your friends. And also share this post on social media. So that more people can reach this information.

If you have any problem or have any question in how to make our post credit card, you can ask us by commenting in the comment box about this post. Our team will definitely help you.

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