I want to apply for an SBI credit card, but I don’t have a salary slip. Either I’m self-employed, a freelancer, or my employer doesn’t provide formal salary slips. Can I still get an SBI credit card, and what documents would I need instead?
Yes, you can get an SBI credit card without a salary slip, but you’ll need to show some other proof of income. If you’re self-employed or a freelancer, SBI might ask for your Income Tax Returns (ITR) for the last two years, a bank statement (3–6 months) showing regular income, or Form 16 if you’re receiving a salary but don’t have official slips.
Another option is to apply for a secured credit card like the SBI Card Unnati, which is issued against a fixed deposit (FD) of ₹25,000 or more. Since it doesn’t require income proof, this is a great way to build your credit score and later apply for a regular SBI credit card.
If you have a high credit score (750+), SBI might approve your application based on your banking history alone. I’ve seen cases where people with strong existing relationships with SBI (like an account with high balances or loans) get approved without any strict income proof. If that’s you, it’s worth trying!
You can still apply for an SBI credit card without a salary slip, especially if you’re self-employed or a freelancer. Instead of a salary slip, SBI usually asks for alternative income proofs like your bank statements for the last 6 months, ITR (income tax returns), or proof of business income.