Best Credit Cards in Canada for 2026
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
- Open a Canadian bank account (TD, RBC, Scotiabank)
- Show your passport + PR/work permit
- Provide Indian address proof (Aadhaar, utility bill)
- 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.

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