How to get free credit card without credit score:

To get free credit card we need to have a good credit score (CIBIL score). First, all must know what is meant by cibil score and why it is required to get a credit card.

What is CIBIL score:

CIBIL Score is a three-digit numeric summary of your credit history. The score is derived using the credit history found in the CIBIL Report (also known as CIR i.e Credit Information Report). A CIR is an individual’s credit payment history across loan types and credit institutions over a period of time. A CIR does not contain details of your savings, investments or fixed deposits.

Your CIBIL score is calculated based on your credit behavior such as credit loan history, salary depositing as per regularity etc ..They reflected in the ‘Accounts’ and ‘Enquiries’ section of your CIR pages, its generally ranges between 300-900. A score above 700 is generally considered a good credit score. The human is eligible to get the credit card and further loan.

CIBIL scores are generally will be updated three months once.  Example if you have had completed your loan payment today and your credit score is 450 means, after three months only your credit score will be updated. Until you are not eligible to get credit card. Here we are going to see the step by step guide to get free credit card.

Also See: How to check your credit Score free.

Also, CIBIL.com have the option to apply cibil score to update:

The reason it may be still replicating in your credit report is that the same information has not been provided to CIBIL by the concerned Credit Institution (CI). You can advance a dispute with CIBIL and they will update you with the response from the CI. As per the Credit Information Companies (Regulation) Act of 2005, but they cannot revise any information in the database without confirmation from the concerned Credit Institution.
If you have received a confirmation from the Credit Institution about the submission of revised data to CIBIL, you can check its updated status by clicking here.

Example: To get a credit card you must have minimum 750 + CIBIL score. If you have any loan like home loan, educational loan, car loan, etc . then your credit score will be in less. So that you have less chance to get credit card. The people do not have any loan and having monthly salary of 25,000+ is exactly fit to get credit card. There are lot of credit card agent are there in our country.

What is the information the credit score contains:

1. CIBIL Score: Your CIBIL score, is calculated and constructed on your credit behavior as replicated in the ‘Accounts’ and ‘Enquiries’ section of your CIR, ranges between 300-900. A score above 700 is generally considered as good.
2. Personal information: It Contains your name, date of birth, gender and identification numbers such as PAN, passport number, voter’s number. The above certificate data are actually considered form your bank account. They do not incorporate your bank balance.
3. Contact Information: Address and telephone numbers are provided in this section, up to 4 addresses are present. Generally, only one is available
4. Employment Information: Monthly or annual income details as reported by the Members (Banks and Financial institutions). It is well taken from your salary deposited account.
5. Account information: This section contains the details of your credit facilities including name of lenders, type of credit facilities (home, auto, personal, overdraft, etc.), account numbers, ownership details, date opened, date of last payment, loan amount, current balance and a month on month record (of up to 3 years) of your payments.
6. Enquiry Information: Every time you apply for a loan or credit card, the respective Bank or financial institution accesses your CIR. The system makes a note of this in your credit history and the same is referred as “Enquiries”.

Also See: How to check your credit Score free.

In this tutorial, we going to see how to get free credit card without credit score.

Here the axis bank offers us free credit card without cibil score. There is only one condition, you must have minimum balance amount of Rs, 20,000/- to qualify free credit card without cibil score. You can withdraw your money at any time. But before apply for credit card you must have a balance amount of 20K..

Follow my steps to get free credit card:

1. Go to the website URL: https://www.axisbank.com/retail/cards/credit-card
2. Click Credit apply free credit card
3. Fill right side tabular column
4. The bank agent content you within 24 hours.

They have three types of card and all three have different type of option:

1. Axis Bank Neo Credit Card

• Gift voucher of Rs. 500  from Jabong and Movie voucher from BookMyShow
• 10% cashback / discount on shopping, travel, mobile recharges and movies
• 2 reward points for every Rs 200 spent on the card
• Delectable discounts with Dining Delights

2. Gift voucher of Rs. 500 from Jabong and Movie voucher from BookMyShow

• 10% cashback/discount on shopping, travel, mobile recharges and movies
• 2 reward points for every Rs 200 spent on the card
• Delectable discounts with Dining Delights

3. Axis bank Buzz credit card:

• Gift vouchers from Flipkart worth Rs.8000
• 5% off at Flipkart whenever you shop
• 6 Axis eDGE Reward Points on every Rs. 200 spent online (except for online travel spends)
• 2 Axis eDGE Reward Points on every Rs. 200 spent
• Delectable discounts with Dining Delights
• Annual Fee: Rs. 750

Conclusion:

My 5 friends have taken credit card form this bank…if you find more bank other than this…. kindly share or comment me..