Best Credit Cards in Canada for Newcomers 2026

No credit history? No job yet? No problem! In 2026, Canadian banks offer special credit cards for newcomers — including Indians with just a passport and landing papers. Here's how to get your first card and start building credit fast.

1. TD Cash Back Visa Infinite

• Annual fee: $0 first year, then $120
• Rewards: 2% cash back on groceries, gas
• For newcomers: Accepts foreign credit history (from India)

2. RBC Cash Back Mastercard

• Annual fee: $0
• Cash back: 1% on all purchases
• Perks: Easy approval for RBC bank account holders

3. Scotiabank Momentum Visa

• Annual fee: $0
• Cash back: 1% everywhere, 2% at grocery stores
• Bonus: $50 welcome bonus after first purchase

4. Secured Credit Cards (No Credit Needed)

• How it works: Deposit $500–$1,000 as security
• Best options: Capital One Platinum, Home Trust Visa
• Why use it: Builds credit in 6–12 months

How to Apply as an Indian Newcomer

1. Open a Canadian bank account (TD, RBC, Scotiabank)
2. Show your passport + PR/work permit
3. Provide Indian address proof (Aadhaar, utility bill)
4. Apply online or in-branch

Tips to Build Credit Fast

• Never miss a payment — set up auto-pay
• Keep balance below 30% of limit
• Use card for small monthly bills (Netflix, phone)

FAQs

Can I get a credit card without a SIN?

Yes! Some banks (like Capital One) accept passport + address proof only.

Conclusion

Your first credit card is your financial passport in Canada. Start small, pay on time, and within a year, you'll qualify for premium cards with travel rewards and higher limits.