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Best Credit Cards Without Any Income Proof

credit card without income proof

Credit cards have become one of the most sought financial products. The demand for a credit card is equally seen among salaried, self-employed individuals working in various sectors. Credit cards come with a lot of benefits and banks have come with specific credit cards that are specially meant for different individuals.  

However, to apply for credit cards, applicants have to submit their income proof. Sometimes, there may not be any income proof or applications may get rejected due to low income. However, there other ways to avail a credit card without income proof. One of the most popular ways is through fixed deposits.

In this article, we will look at some of the top bank’s credit card that doesn’t require income proof and a fixed deposit with the bank is all you need.

Kotak Mahindra’s Aqua Gold Credit Card

One of the largest banks in the country, Kotak Mahindra Bank brings a plethora of credit cards to its customers with various features. One of such credit card is Aqua Gold Credit Card. This card is exclusively meant for Kotak fixed deposits customers.

The credit limit and other terms are determined by the FD balance. The credit limit of the credit card is set at 80% of the term deposit amount and a free Credit Card for life.

The minimum deposit amount of the TD should be at least Rs.25,000 to receive the credit card.

Eligibility criteria and features of Kotak Mahindra’s Aqua Gold Credit Card

  • The applicant should be an Indian resident between 18 years to 75 years.
  • There are no joining fees or annual fees.
  • Applicants can use their balance transfer option and save high interest on other credit cards. A fee of Rs. 349 per Rs.10,000 is charged.
  • Customers can avail interest-free cash withdrawal for up to 48 days.
  • The card comes with a higher credit limit of Rs. 12 lakhs.   
  • By spending Rs. 1, 50,000 in a year, customers get 4 free PVR tickets or cashback of Rs. 750.
  • Customers also have the option of getting Add On cards for their loved ones which comes with the same benefits as a primary cardholder. Customers can set individual credit limits and monitor transactions at ease.

Click here to know about the Aqua credit card.

Axis Bank’s Insta Easy Credit Card

As the name suggests, customers can easily receive the credit card instantly without submitting any income proof. To be eligible for Insta Easy Credit Card, customers need to have a fixed deposit with Axis Bank between Rs.20,000 and Rs.25 lakhs. However, the credit card is not available against tax saver FDs, Flexi-deposits and fixed deposits in the name of the HUFs, societies, companies.

Additional identification proof and address proof is not required as it will be the same as per as the bank’s records.

The card does not have any joining fees or standard annual fees. Fees for card replacement is also waived off.

Click here to know more about its fees. 

Bank of Baroda’s Assure Credit Card

Bank of Baroda offers Assure Credit Card to its fixed deposits customers. Income proof is not required to avail the card and customers can get the credit card against their fixed deposit.

In case of emergency, bank customers can withdraw up to 100% of their credit line.

Other benefits of Bank of Baroda’s Assure Credit Card

  • The annual fees of the credit card are reversed if you spend more than Rs.6,000 within 60 days and   Rs. 35,000 in a year
  • 1% fuel surcharge is waived for all transactions between  Rs.400 and Rs.5,000
  • There are multiple options to redeem as cashback and other exciting offers
  • Customers have the option to select the EMI option for purchases above Rs.2,500 into easy EMIs of 6 months and 12 months
  • Applicants can get up to 3 lifetime free add-on cards for their spouse, parents, siblings or kids who are above age 18
  • It also comes with Personal Accidental Death Cover to provide financial protection for your family
  • Cardholders can avail up to 50 days of interest-free credit from the date of any purchase
  • Just pay the minimum amount due and finance your spends as per your convenience.

You can apply for BoB Credit Card over SMS. Just SMS ‘Apply <space><your city> ‘ to 9223990624 and bank representatives will get in touch with you.


If you don’t have valid income proof and have faced rejection from credit companies. Fear not. These credit cards are here to save you and help you to shop to your heart’s desire.


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