Best Credit Cards for First-Time Cardholders
BOBCARD PRIME — zero annual fee, no prior credit history required.
BOBCARD PRIME is built specifically for people who'd fail every income and CIBIL filter elsewhere in the catalog — no income proof required, approval secured against a ₹30,000+ fixed deposit instead, and both its income and CIBIL figures are officially confirmed in our data rather than estimated. At ₹0 annual fee, it's the rare card that's honestly built for a thin credit file, not just tolerant of one.
Frequently asked questions
Do I need any credit history to apply?
No — the card is explicitly designed for applicants with no income proof or credit history, secured instead against a minimum ₹30,000 fixed deposit.
Is there an annual fee?
No — BOBCARD PRIME has no joining or annual fee.
What happens once I've built some credit history?
Take the quiz with your actual (now-established) CIBIL score — you'll likely qualify for a wider set of cards with more rewards than a first-time card typically offers.