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Easy Approval Credit Cards for Bloggers, Freelancers in India | PayPal Solution

PayPal policy changes from 1st March 2011 will not allow you to use PayPal funds for online shopping and in such case, Credit card is ultimate option to pay web-hosting bills and domain renewal fees and other online spending.

I agree that PayPal alternatives exists but they may not be accepted by all payment gateways like PayPal but Credit cards are accepted everywhere then let it be Online shopping portal  or Web Hosting sites.

Generally, Credit Card approval requires Income Tax Return (ITR) of Gross Annual income Rs. 1,80,000 Minimum which means some Rs. 15,000 per month which may be case with many Bloggers but I guess not all of them files Tax returns.

So, Here I mention some ways to get easy approval Credit Card from Banks in India which are especially suited for Bloggers, Freelancers and Online Marketers or any Indian who want to find alternative of PayPal for shopping.

Easy Approval Credit Card Options for Bloggers

ICICI Instant Credit Cards

As the name says “Instant”, ICICI offers Walk in branch and Walk out with Credit Card option. As you are not providing ITR, you have provide something as Security to bank and it requires you to make a Fixed Deposit of minimum Rs. 20,000.

On the amount of Fixed Deposit amount, you get 85%  Credit limit. For example, you make FD of 20K then limit of spending will be Rs. 18,000.

HDFC Gold Credit Card

Even this can be obtained against assurance of Fixed Deposit giving you credit limit of 80% of Fixed Deposit Amount. Only difference is that this is not instant and required minimum 10 days to process ad get in hands.

Axis Bank Credit Cards

In similar way, Axis Bank offers same facility at minimum deposit of Rs. 25,000 and they give just 80% credit limit of what you deposit.

Virtual Credit Cards from Indian Banks

Last but not least, if you find above options difficult to obtain then virtual credit cards which act and function similar to real Credit cards and easiest to obtain.

You just need a Savings account in banks (Axis, HDFC, ICICI or Kotak Bank) They are called as Netsafe cards in HDFC while in Axis bank they call it eShop card. These are made for online transactions and can be generated real time online.

Advantages of Credit Card for Bloggers and Freelancers

  1. It’s the ultimate solution for PayPal issues in India.
  2. Can be used for Web Hosting Bill Payments and Domain Renewals
  3. Can be used to verify PayPal account
  4. Add to PayPal account and send funds to any PayPal account which will be debited from Credit Card.
Click Here to Leave a Comment Below 12 comments
Nitin - February 13, 2011

I am IDBI Debit Card holder lets hope the instant IDBI credit card will come soon…..

Saket - February 15, 2011

Is there any minimum requirement of FD in HDFC or Axis Bank?
Btw, 85% of 20K = 17K 😉

    Rohit Langde - February 15, 2011

    HDFC Representative said 18K, Anyways, I may have got confused as I was in talks with many Bank representatives last week.

    I couldn’t understand by minimum requirement in FD? Are you referring to amount to be deposited? If so then it is 20K there too.

      Saket - February 16, 2011

      Ah yes, I meant that. Thanks for clearing it

Pankaj Gupta - March 7, 2011

Thanks for sharing in detail. I will apply for ICICI instant CC.

    Raj Mehta - October 25, 2011

    Yeh even i am thinking to apply a ICICI instant credit card.

Heart Thoughts - March 19, 2011

Thanks for the simple solutions. I withdrew my complete balance in February last week and waiting for the solution 🙂

agurchand - September 25, 2011

Thanks for the Valuable Solution. I am selling software through PayPal but nowadays they are not accepting Indian Payments is there any solution for that??

    Rohit Langde - September 26, 2011

    Not accepting mean- Are you unable to receive payments?
    Payments can be received below 500USD.

Sandeep Chaudhary - May 17, 2013

Thank you Rohit for sharing easiest methods for getting credit cards. I was in urgent need of a credit card and hope so now that I will get one soon.
Can we use virtual credit cards for sending money into someone’s paypal account?

    Rohit Langde - May 17, 2013

    Virtual Cards generated by Banks cannot be used for more than one transaction. And when you add virtual card to PayPal account, it deducts 1$ for verification and then, though your account gets verifies but you cannot use that card anymore.
    You may use Entropay Virtual Cards instead.

Sandeep Chaudhary - May 17, 2013

okay. Thank you Rohit. I think entropy will be better than virtual credit cards.


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