How to Get Credit Card for Homemakers in India

Are you a homemaker? Imagine managing your household, paying bills, handling groceries, and still having the freedom to shop online or travel with your own credit card. Sounds impossible, right? Most homemakers believe banks only approve credit cards for salaried individuals. But there is credit card for homemakers in India.

You don’t need a salary to get a credit card in India. Sounds unbelievable? Here are the steps you can follow to get your first credit card with low income or no income.

1. Homemakers Can Get Credit Cards with these Bank Rules

Let’s bust the biggest myth first: being a homemaker does not automatically disqualify you.

Banks care about two things:

1. Ability to repay – they need proof that you can pay your bills.
2. Creditworthiness – your history or your co-applicant’s history.

So how can a homemaker prove both without a salary? That’s where creative, legal strategies come in. You can use your spouse’s income, savings, or apply as a supplementary cardholder.

2. Homemakers Credit Card Eligibility in India

Here’s what banks typically look for:

• Age: Usually 21–60 years
• Income proof: If you don’t have your own salary, you can use your spouse’s income or savings
• KYC documents: PAN, Aadhaar, proof of address
• Credit score: A decent score (700+) helps

Tip: Some banks allow fixed deposits as collateral to approve credit cards.

3. How Homemakers Can Apply for a Credit Card

Here’s the step-by-step method:

1. Use your spouse’s income
   • Most banks allow co-applicants. Your spouse’s salary acts as proof.
2. Joint savings/fixed deposits
   • Keep a substantial amount in a joint account or FD; banks see this as repayment security.
3. Supplementary cards
   • Apply as a secondary cardholder on your spouse’s account. You enjoy the benefits while building your own credit score.

4. Top Credit Card for Homemaker in India

Here are a few cards tailored for homemakers:

Bank	Card	Key Benefit	Annual Fee	Eligibility Trick
HDFC	Freedom Card	Cashback on groceries & online shopping	₹0 first year	Use spouse’s income
SBI	SimplyClick Card	High rewards on e-commerce	₹499	Supplementary card option
ICICI	Platinum Chip Card	Flexible repayment & shopping perks	₹0–₹500	Fixed deposit as collateral
Axis	Ace Card	Cashback on bill payments & groceries	₹499	Co-applicant income works

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5. Insider Tips to Boost Your Approval Chances

Even if you tick all the boxes, banks can say no if you’re not strategic. Here’s how to maximize your chances:

• Maintain a good savings balance
• Keep a clean credit history
• Apply as a supplementary cardholder first
• Don’t apply multiple times. Too many applications lower approval chances

6. Common Mistakes Homemakers Make

Avoid these errors:

• Ignoring the co-applicant rule
• Applying without checking the credit score
• Overestimating eligibility without proper documents
• Not using supplementary cards strategically

Think of it like cooking. You need the right ingredients; otherwise, your financial recipe can flop.

Conclusion

Being a homemaker doesn’t mean you can’t have a credit card or build your own credit history. With the right documents, a smart strategy, and a little insider knowledge, you can enjoy the perks of a credit card for homemaker in India just like anyone else.

HerPocket.com recommends starting with a supplementary card. Check your credit score and pick one of the cards above. Your journey to financial independence can start today!