Free Credit Cards for Indians

This HubPage is intended to help my fellow Indians apply for Free Credit Cards. The website will provide important information on the best and the easiest companies to get credit cards with. I am hoping that this information will save a lot of time and energy by avoiding unnecessary trips to credit card companies that will just never give you a credit card.

The HubPage is divided in to 3 sections. The first section if for people who do not have a bank account, the second if for people who have savings bank account with either SBI or HDFC and the third is for people who have an account with ICICI or CitiBank.

Any individual who wants to apply for a credit card at least needs to have a Savings bank account in one of the nationalized banks or Good Private banks like ICICI or Citibank. I would say this is tThe first criteria to easily get a Credit Card in India is to have a Savings bank account that is at least 6 months old.

If you do not have a bank account, it is almost certain that you will never get a Credit Card; not a free one at least. So, go and get a bank account before you apply for a credit card. You can instantly open a bank account with ICICI Bank or with CitiBank. Once the account gets more than six months old, you can apply for a life time free credit card.

SBI and HDFC are one of the banks that provide Free Credit Cards for all Savings Bank account holders. These two banks are not as sophisticated as ICICI or CitiBank in terms of online banking capabilities and mode of accepting credit card dues but, they do provide a good Customer Service and as such are not a bad choice at all. Once your credit card application is approved, you will get a credit card within the next 21 days.

Note: Your bank account should be at least six months old.

In my personal experience, ICICI Bank and CitiBank are two of the best banks that provide credit cards. The application process for both these banks is remarkably simple and they provide multiple methods of paying of your credit card dues.

ICICI bank and Citibank provide free credit cards for all Savings bank or Salary account holders. If you work for an MNC or any good Indian PVT LTD. company, you will invariably have an account with one of these banks. In this case, you just have to login to your bank account, and click the relevant links to apply for your free credit card.

If you have a bank account with Citibank, in most cases, they will only ask for a copy of your PAN card to get a credit card. For ICICI, they may ask for Identity Proof, address proof and PAN card photo copy.

Once your credit card application is approved, you will get a credit card within the next 7 to 14 days.

Note: Your bank account should be at least six months old.

I hope this information will help you get a free credit card easily. Thanks for reading.