Can you get a credit card without a bank account? Find out what the options are..

The use of credit cards is rapidly growing across the country. A recent RBI report indicates that credit card transactions nationwide totaled an average of ₹2 lakh crore in July. The rising popularity of credit cards stems from the fact that they serve not merely as a payment tool but also help build one's credit score and financial profile. While some people open bank accounts specifically to obtain credit cards, did you know it is possible to get a credit card without having a traditional bank account?

Currently, various fintech firms and Non-Banking Financial Companies (NBFCs) are offering credit cards, as well as prepaid or virtual cards, without requiring a traditional bank account. Credit cards have made digital payments convenient, offering added benefits like EMI options and easy repayment schedules. Furthermore, responsible credit card usage can improve your credit score, thereby simplifying the process of securing loans in the future.

**How ​​to get a credit card without a bank account**
NBFCs and fintech platforms—such as Slice, LazyPay, and Simpl—offer credit card-like facilities without the need for a bank account. The Slice Card functions as a digital credit card; obtaining it requires only a PAN card, Aadhaar card, and a mobile number, and it offers a credit limit of up to ₹50,000. LazyPay provides a "Buy Now, Pay Later" service that does not require a bank account, while Simpl offers a digital credit line that allows you to make payments after completing online purchases. Platforms like Amazon Pay and Flipkart Pay Later also provide credit limits without a bank account, enabling you to shop and settle payments just as you would with a credit card.

**Who is eligible for a credit card without a bank account?**
There are specific eligibility criteria for obtaining a credit card without a bank account. Applicants must be at least 21 years old and possess a stable source of income. Additionally, they are required to submit documents such as a PAN card, Aadhaar card, and proof of income (e.g., salary slips or tax returns).

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