How to get credit card as an 18 year old?

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Deal Newbie
Duragun16

Hi Guys, How can I get a credit card as an 18 year old? I currently earn 40-50k (Variable) every month through freelancing and part time work so don't have salary slips. I already have an IDFC Wow Card on FD Basis which I got in May. Has 30k Limit. Cibil is 762 with 1y 8m credit age (It should be 10 months but there is some issue, I will add a note at the end). Recently tried for Axis with self employed option and was rejected. Have Liberty account since Nov 23, but sadly no pre-approved offers yet. So how can I get an unsecured card? Any tips or guides would be useful smile

Note: I closed my UBI account recently and CIBIL suddenly got that an "overdraft" of UBI which was closed so it kind of increased my credit age. 

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Deal Newbie Deal Newbie
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Open a bank account in HDFC 

You will get pre approved offer. Same applies for Axis Bank. 

Also try Flipkart Axis cc. I got it when I was 19

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Deal Newbie Deal Newbie
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Open a bank account in HDFC 

You will get pre approved offer. Same applies for Axis Bank. 

Also try Flipkart Axis cc. I got it when I was 19

Deal Newbie Deal Newbie
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I tried for that just a few days ago but was rejected. Actually turns out that it was because of a duplicate request (I applied twice due to some confusion). My first application is still in process and was applied on 14th Aug. Let's see if I get any updates. 

Also I did open an HDFC account a couple of months back but has been getting just penalties because of non maintenance of monthly balance. MAB is 5000 but I have been ignorant. I will try to maintain from now on

Pro Entertainer Pro Entertainer
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What kinda freelancing u do?

Benevolent Benevolent
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+1

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Deal Lieutenant Deal Lieutenant
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Whats that over draft account from UBL how it got opened i mean?

Deal Newbie Deal Newbie
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No idea but I checked my CIBIL report and it seems to have opened around the time I opened my savings account there and was closed when I terminated my bank account. Here's a screenshot if you know more about it. Was just a regular savings account though. 

1000193988

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Deal Lieutenant Deal Lieutenant
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Mostly if you keep 1 lakh in savings account without withdrawing for 3 months you will easily get preapproved offers in any bank usually

try this method

Deal Newbie Deal Newbie
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Really? I can try this in hdfc in 2-3 months

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Finance Mentor Finance Mentor
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As you already have credit score, try unicard app yes bank CC and open an HDFC account, maintain 50k for some months and till you get some ltf offer...

Deal Newbie Deal Newbie
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I checked out. Uni needs minimum 23 and yes bank 21 years of age

Cool Cool
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If you have Amazon prime membership, try Amazon pay ICICI card once. Recently they issued this card to my wife without any docs, without any income proofs!

Deal Newbie Deal Newbie
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Need to wait for another 2 months for re-applying..i guess I applied in the past but I dont even remember the reason for rejection 

Finance Mentor Finance Mentor
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If you have a credit history of more than 1 year, apply for co branded credit cards. There is a high chance of approval.

Also note, your applications may be rejected since you are less than 21 years old and don't have a salary.

With hdfc, maintain your MAB for three months and create an fd. You might get an pre approved credit card offer.
Deal Newbie Deal Newbie
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Yep the age requirement is a problem. I will try to maintain MAB in HDFC 

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