Need Credit Card - Salary in Cash Mode (Retail Job, ₹15,000/month)

[devisgod]

Hello everyone,
I need some guidance regarding getting a credit card.
I work at a retail shop where my salary is paid fully in cash. I earn around ₹15,000 per month.
Although the salary is in cash, I regularly deposit money into my bank account — sometimes ₹10,000, sometimes ₹40,000, sometimes smaller amounts like ₹2,000–₹3,000, depending on the situation.
My account also shows a good number of transactions.I do not work in a registered company, so I don't have salary slips or official proof of income but i have good Credit score of 760+ Cibil, 830+ Expreian. I have 3.9 years credit history age.
Given this, could you please suggest:
Banks or credit cards that might approve based on cash deposits and banking transactions?

Any alternative documents that can help me get a card?

Any tips for someone in my situation?

Thanks a lot for your help in advance!

 

[amitvicky]

Hello everyone,
I need some guidance regarding getting a credit card.
I work at a retail shop where my salary is paid fully in cash. I earn around ₹15,000 per month.
Although the salary is in cash, I regularly deposit money into my bank account — sometimes ₹10,000, sometimes ₹40,000, sometimes smaller amounts like ₹2,000–₹3,000, depending on the situation.
My account also shows a good number of transactions.I do not work in a registered company, so I don't have salary slips or official proof of income but i have good Credit score of 760+ Cibil, 830+ Expreian. I have 3.9 years credit history age.
Given this, could you please suggest:
Banks or credit cards that might approve based on cash deposits and banking transactions?

Any alternative documents that can help me get a card?

Any tips for someone in my situation?

Thanks a lot for your help in advance!

Use ITR assuming you file taxes.

 

[TaxWiser]

Hello everyone,
I need some guidance regarding getting a credit card.
I work at a retail shop where my salary is paid fully in cash. I earn around ₹15,000 per month.
Although the salary is in cash, I regularly deposit money into my bank account — sometimes ₹10,000, sometimes ₹40,000, sometimes smaller amounts like ₹2,000–₹3,000, depending on the situation.
My account also shows a good number of transactions.I do not work in a registered company, so I don't have salary slips or official proof of income but i have good Credit score of 760+ Cibil, 830+ Expreian. I have 3.9 years credit history age.
Given this, could you please suggest:
Banks or credit cards that might approve based on cash deposits and banking transactions?

Any alternative documents that can help me get a card?

Any tips for someone in my situation?

Thanks a lot for your help in advance!

You have a good credit score! try applying for the SBI Cashback CC. Right now, they’re offering it without requiring any income proof. You can also consider HDFC and Axis Bank credit cards, as their approval rates are quite high.

If your credit card application gets declined, don’t worry—here’s what you can do next:
Open a Savings or Salary Account in HDFC or Axis Bank if you don’t already have one.
Maintain a Daily Average Balance of ₹2 Lakhs for at least 3 to 6 months.
Wait for Pre-Approved CC Offers from HDFC or Axis Bank—or try applying again yourself after building a strong banking relationship.

CCs recommendations: Amazon Pay ICICI, Swiggy HDFC, Tata Neu Infinity RuPay CC, Airtel Axis, and Any CORE Lifetime Free CC of HDFC/ICICI/Axis. Prioritize the RuPay variant if the same credit card is available in Visa & Mastercard, as RuPay offers UPI integration.