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How to Build a 750+ CIBIL Score from Zero (Step-by-Step Guide for Students 2025)

"Rejected." That is the message you will see when you apply for your first Personal Loan or Credit Card if you have no CIBIL score. In India, "No Credit History" is almost as bad as "Bad Credit History." Whether you want to buy an iPhone on EMI, get a bike loan, or apply for a Premium Credit Card, you need a CIBIL score of 750 or higher . But how do you build a score if no bank will give you a loan? This is the classic "Chicken and Egg" problem. Fortunately, in 2025, there are 3 guaranteed ways to build a perfect score without having a job or salary slip. 1. The "FD-Backed" Credit Card (The Golden Ticket) This is the fastest way to build a score from scratch (0 to 750). How it works: You give the bank a small Fixed Deposit (e.g., ₹2,000 or ₹5,000). In return, they give you a Credit Card with a limit of 90% of your deposit. Why banks love it: Since they have your deposit, there is zero risk for them. Best Cards for this: IDFC First WOW...
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Privacy Policy for DailyWealthTips.in

Last Updated: November 25, 2025

At DailyWealthTips.in, accessible from www.dailywealthtips.in, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by us and how we use it.

1. Log Files Like many other websites, we use log files. These files merely log visitors to the site - usually a standard procedure for hosting companies and a part of hosting services' analytics. The information collected includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, and referring/exit pages.

2. Cookies and Web Beacons DailyWealthTips.in uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

3. Google DoubleClick DART Cookie Google is a third-party vendor on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.dailywealthtips.in and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy.

4. Affiliate Disclosure We may use affiliate links (like Amazon Associates or Upstox/Angel One). This means if you click on a link and purchase an item or sign up, we may receive a commission at no extra cost to you.

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