What is the minimum CIBIL score required to get a credit card? Let’s break it down.
What is a CIBIL Score?
The CIBIL score, which ranges from 300 (bad) to 900 (good), is the one of the credit scores that the top credit information companies in India — TransUnion CIBIL — provide. That score helps determine your creditworthiness — or, more simply, how likely you are to pay back borrowed money on time.
The higher your score, the better your odds of being approved for loans and credit cards, often on more favorable terms, like lower interest rates and higher credit limits.
Ideal CIBIL Score for Credit Card Approval
Most banks and credit card issuers in India consider a CIBIL score of 750 or above as excellent. If your score is in this range, you’re more likely to:
- Get approved quickly
- Receive premium credit card offers
- Enjoy higher credit limits
- Be offered lower interest rates
However, this doesn’t mean you’re out of options if your score is lower.
Minimum CIBIL Score Required
While 750+ is considered ideal, you can still get a credit card with a lower score. Here's a breakdown of what your options might look like:
| CIBIL Score Range | Meaning | Credit Card Eligibility |
| 750 - 900 | Excellent | High approval chances, access to premium cards |
| 650 - 749 | Good | Eligible for standard credit cards |
| 550 - 649 | Fair | Limited card options, higher interest rates |
| 300 - 549 | Poor | Low chances, may need secured credit card |
| NA/NH | No History | Consider secured or beginner credit cards |
You still have a reasonable shot at a credit card, especially if you have a stable income and a good rapport with your bank. You may not be eligible for the top-tier cards, but basic credit cards are within your grasp.
If Your Score is Below 650
Your chances of getting a traditional unsecured credit card go down. However, there’s a smart alternative — secured credit cards. These cards are issued against a fixed deposit and don’t require a high credit score. They’re a great way to rebuild or establish your credit profile.
What If You Have No Credit History?
If you are in the early stages of building credit and have no credit history whatsoever (NA or NH on your report), banks may not offer you a standard credit card. But again, secured cards or starter cards intended for new users are your best bet.
How to Improve Your CIBIL Score
- Pay bills and EMIs on time: Timely payments are the most important factor in your score.
- Keep credit utilization low: Don’t max out your credit card. Try to stay under 30% of your limit.
- Avoid too many loan applications: Each application triggers a hard inquiry and can hurt your score.
- Check your credit report regularly: Spot errors early and dispute any inaccuracies.
- Maintain a good mix of credit: A combination of secured and unsecured loans shows responsible credit usage.
Final Thoughts
Although there is no specific “minimum” CIBIL score to get a credit card from any bank, a score of 650 and above makes you eligible for standard cards and, a score of 750+ means that you will qualify for premium offerings. But if you have a lower score or are new to credit, don’t take that as a negative sign. Over time, secured credit cards and responsible use can work to build or rebuild your score.
The key takeaway? Your CIBIL score matters, but it’s not the only thing banks will look at. Your income, employment status and your relationship with the bank also all play a part. So stay educated, stay disciplined, and you’ll be well on your way to financial freedom.