Often, the question arises whether a housewife without income can get a credit card or not. According to banking rules, credit card options are also available for housewives. They can either take an Add-on Credit Card or apply for a Secured Credit Card. Let us know the complete process and benefits.

Nowadays, the use of credit card has become very common. If it is used correctly, then it is a very useful thing. On this, facilities like all kinds of discounts, offers, rewards, cashback are available, along with this, short term loan can be easily arranged in difficult times. The special thing is that if you repay this loan in the grace period, then you do not have to pay any interest on it.

This is the reason why the trend of credit card has increased rapidly. Nowadays, banks themselves call the employed and offer credit cards. But if a housewife needs a credit card, can she get a credit card? Can she apply for a credit card? Know what is the bank's rule in this case.

Housewife and credit card - what is the bank's rule?

If you do a job or business, then banks easily give you a credit card. But if you are a housewife and you do not have any regular income, then you still have two options:

What is an Add-on Credit Card?

An add-on card is linked to your husband's (or family member's) primary credit card.

Its limit is decided according to the primary card.

Expenses and reward points are added to the same account.

A housewife does not need to provide separate income proof.

How to get a Secured Credit Card?

If there is a Fixed Deposit (FD) in the bank in the name of a housewife, then a secured credit card can be issued to her on the basis of that FD.

The limit of the card depends on the FD amount.

The bank keeps the FD as collateral.

This card is good for those women who have savings but do not have income proof.

How will homemakers get the benefits of credit card?

Through credit card, homemakers can save a lot on household expenses. Through these cards, women can avail the benefit of reward points on grocery and dining expenses, discount on fuel surcharge, as well as redeem these reward points for special gifts and offers. Apart from this, they can also improve their credit score by using the credit card properly.

What are the terms?

To apply for a credit card, the homemaker should be at least 18 years of age. Her husband should have a credit card, on the basis of which she can apply for an add-on card. For a secured credit card, there should be a fixed deposit in the name of the housewife in the bank. On the basis of FD, she can apply for a secured card.

How to apply?

Housewives can apply for a credit card through the bank's official website or app. Apart from this, application can also be made by visiting the bank branch. After applying, the bank will verify all your information and documents and will issue you a credit card within a few days.

Which documents will be required?

Passport size photo

ID proof (PAN card, voter ID, passport)

Address proof

Income proof (if available, otherwise add-on/FD document)

How to apply?

Through the bank's official website or mobile app.

You can also apply by going directly to the bank branch.

The bank issues the card within a few days after verifying the documents.

FAQs

Q1. Can housewives get a credit card without income proof?

Yes, they can get an Add-on or Secured Credit Card.

Q2. Will the add-on card have a separate limit?

No, it shares the limit of the primary card.

Q3. What is the benefit of a secured card?

You get a credit limit with the security of an FD and also build a credit score.

Q4. Does every bank give a card to housewives?

Most private and government banks provide this facility, like Axis Bank, HDFC Bank, SBI.