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How to Get a Credit Card with No Credit History

IDFC Credit Card

Credit history is an essential requirement for you when you’re applying for a credit card. A good credit history means you have managed your finances responsibly in the past and are likely to do so in the future. A bad credit history, on the other hand, could mean you’re a high-risk borrower and are more likely to default on your credit card payments.

There are a few ways you can get a credit card with no credit history. Even if you don’t have a lengthy credit history, there are still several starter credit cards available to choose from. Some are discussed below in detail:

Student Credit Card:

If you’re a student of a college or University, you may be able to get a credit card with no credit history. This is because student credit cards are designed for people who have no credit history.

To get a student credit card, you’ll need to provide proof of enrollment and show that you have a solid reason for which you are applying for a credit card. These cards come with student-friendly terms, such as no annual fee and rewards. For example, some student credit cards help you build credit by giving you access to your FICO credit score. However, you should shop around for the best credit card with plenty of perks and benefits to save money while building good credit.

Secured Credit Card.

A secured credit card is one that is backed by a security deposit that you make upfront. The amount of the deposit usually becomes your credit limit. For example, if you make a $500 deposit, your credit limit will be $500. This is a good option for people who have no credit history because it minimizes the risk for the lender. Since you are making a security deposit, the lender knows that they will at least get their money back if you don’t make your payments.

Store Credit Cards:

Some stores offer their own store credit cards that you can use only at their store and anywhere else within the card limits. It is easier to get approved for a retail credit card which in turn can help increase customer loyalty. Furthermore, you may be able to qualify with no credit. These cards often come with special financing deals, such as 0% APR for a certain number of months. However, make sure you understand the terms before

Become an Authorized User on Someone else’s Account.

If you know someone who has good credit and who trusts you enough to add you as an authorized user on their account, this can be another way to build your credit history from scratch. As an authorized user, you will have access to their account and their credit line, but you will not be legally responsible for the debt; only the primary account holder is responsible for that. There are two things to keep in mind with this option: first, make sure that the primary account holder always makes their payments on time; and second, their payment history will become part of your credit history as well, so if they have poor payment habits, it could negatively impact your own score down the road.

Things to Consider in a First Credit Card:

When you’re opting out of your first credit card, there are a few things you’ll want to keep in mind. First, make sure you understand the terms and conditions of the card. This includes things like the interest rate, annual fee, and late payment fees. You’ll also want to make sure you understand the card’s rewards program if it has one. It’s also important to consider how the card will help you build credit. For example, some cards will report your activity to the credit bureaus, while others will not.

You’ll want to make sure you use the card responsibly. You should make your payments on time and in full every month, keep your balance low, and only use the card for things you can afford. If you do all of these things, you’ll be on your way to building a strong credit history that will benefit you down the road.


Building credit takes time and discipline, but it’s important to start as early as possible. The sooner you start, the better your chances of qualifying for the best rates and terms in the future. There are a few different ways that you can get started building your credit history from scratch—secured cards, co-signers, and becoming an authorized user—but each comes with its own risks and rewards. Choose the option that makes the most sense for your financial situation and always remembers to pay your bill on time.


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