Can a credit card be obtained without a bank account? Most people may not know this.

Credit Card Without Bank Account: If someone doesn't have a bank account, can they still obtain a credit card? Learn the rules for this.

Credit Card Without Bank Account: Credit cards have become a part of everyone's life today. They provide a great option for shopping, online payments, and when money is scarce. Banks set certain criteria for issuing a credit card. Normally, people think that a bank account is necessary to obtain a credit card. But is that really true?

So, let me tell you, this is not the case at all. You can get a credit card without a bank account. However, there are certain rules and eligibility requirements that must be met before you can get one. Let's explain how to get a credit card without a bank account and its benefits.

How to get a credit card without a bank account?

If you don't have a bank account and need a credit card? So, it's not that you can't get a credit card. While it's certainly difficult to get one without a bank account, it's not impossible. Some private finance companies and non-banking financial companies (NBFCs) offer cards that aren't directly linked to a bank account.

Documents like your income statement, PAN card, Aadhaar card, and, in some cases, an income certificate are required. This card works just like a regular bank card. Payments can be made online or offline. Limits and features may differ slightly compared to bank-linked cards.

What are its benefits?

The advantage of this type of card is that it gives you financial flexibility and allows you to start building a credit history, which will help you obtain a loan or other credit card from a bank in the future. Therefore, even if you don't have a bank account, you can still get a credit card and use it easily.

Keep these things in mind

It's important to keep a few things in mind when getting a credit card without a bank account. First, check the reliability of the card issuing company. Also, avoid any hidden fees or high interest rates. Also, understand the limits and payment terms thoroughly so you can make payments on time.