Skip to content
No Credit History

Best No Credit History credit cards in India

Credit cards for no credit history in India can be had without an established credit record — a first card, or a first card in a new country.

*a card is filed here when the issuer's own page says, in a sentence about this card, that no or limited credit history is needed. A menu link, a footnote or a line about another card does not count. In the US a card is also filed here when the issuer tells the CFPB the card targets applicants with no credit score, and not scores of 720 or more. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

10
No Credit History cards filed
Other categories

Browse a different slice

AllPremium349Rewards213Welcome Bonus111Lounge Access94Travel89Cash Back61Business54Secured44No Annual Fee31Airline21Dining20Gas & Fuel18Travel Insurance17Store & Retail16Bills & Utilities13Low Interest13No FX Fee13Metal Card11Online Shopping11Groceries10No Credit History10Entertainment6Credit Building5Hotel3Points1Student1
The ledger

All No Credit History cards in India

10 cards
IDFC First Bank№ 1

Business Max

Credit card issued by IDFC First Bank.

BusinessLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 2

Business Multiplier

Credit card issued by IDFC First Bank.

BusinessLounge Access
Annual fee₹1,000per year
Top earn rateNot confirmed
HDFC Bank№ 3

Credit Card Against FD

Visa card issued by HDFC Bank.

No Credit HistorySecured
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 4

FIRST EARN (Secured RuPay)

Yes, you can earn 10% cashback up to ₹250 on your first transaction, done within 15 days of card generation. Card generation refers to the point at which your card is created along with FD funding.

Low InterestNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 5

FIRST WOW!

Credit card issued by IDFC First Bank.

Low InterestNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 6

FIRST WOW! Black

Upon payment of the joining fee for the FIRST WOW! Black Credit Card, you’ll receive welcome benefits worth over ₹5,000, including exclusive travel and lifestyle offers.

Lounge AccessLow Interest
Annual fee₹750per year
Top earn rateNot confirmed
IDFC First Bank№ 7

Hello Cashback

Credit card issued by IDFC First Bank.

Cash BackNo Credit History
Annual fee₹1,000per year
Top earn rateNot confirmed
SBM Bank India№ 9

Paisabazaar Paisa Plus

Credit card issued by SBM Bank India.

No Credit HistorySecured
Annual feeNot confirmed
Top earn rateNot confirmed
IDFC First Bank№ 10

Quantum+ Credit Card

Credit card issued by IDFC First Bank.

Cash BackNo Credit History
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best no credit history credit card in India?

The best no credit history card in India depends on your spending and goals. We list every no credit history card we hold — 10 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a no credit history credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a no credit history card with other cards?

Yes. Many people pair a no credit history card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these no credit history card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.