Card Pilot
Pre-qualifier · soft check only

Will you actually get approved?

Most "eligibility checkers" say yes to everything — they're affiliate funnels. Ours has an honest Avoid bucket because a rejected application is a hard pull on your CIBIL, and 5 of those in 30 days hurts your score for two years.

Almost certain to approve

23

Apply with confidence.

  • HDFC Infinia Metal Edition
    HDFC · super-premium
    • HDFC Diners Club Black
      HDFC · premium
      • Axis Bank Atlas
        Axis · premium
        • Axis Bank ACE
          Axis · entry
          • Amazon Pay ICICI
            ICICI · entry
            • Flipkart Axis Bank
              Axis · entry
              • Swiggy HDFC Bank
                HDFC · entry
                • SBI Cashback
                  SBI · mid
                  • American Express MRCC
                    American Express · mid
                    • HDFC Millennia
                      HDFC · entry
                      • ICICI Bank Coral Credit Card
                        ICICI · entry
                        • ·Income ₹7,20,000/yr exceeds ICICI's ₹20,000 threshold.
                      • ICICI Bank RuPay Credit Card
                        ICICI · entry
                        • ·Income ₹7,20,000/yr exceeds ICICI's ₹20,000 threshold.
                      • Doctor's SBI Card
                        SBI · entry
                        • Shaurya SBI Card
                          SBI · entry
                          • SBI Card Unnati
                            SBI · entry
                            • YES Bank Select Credit Card
                              Yes · entry
                              • IRCTC HDFC Bank Credit Card
                                HDFC · entry
                                • ·Income ₹7,20,000/yr exceeds HDFC's ₹25,000 threshold.
                              • ICICI Bank Expressions Credit Card
                                ICICI · entry
                                • BPCL SBI Card
                                  SBI · entry
                                  • SBI Card ELITE
                                    SBI · mid
                                    • SBI Card PRIME
                                      SBI · mid
                                      • SBI Card PULSE
                                        SBI · entry
                                        • Reliance SBI Card
                                          SBI · entry

                                          Maybe — read the fine print

                                          1

                                          Issuer may still decline; read reasons before applying.

                                          • YES Bank ZAGG Credit Card
                                            Yes · entry
                                            • ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.

                                          Avoid

                                          0

                                          A rejection here is a hard pull on your CIBIL. Skip these for now.

                                          No cards in this bucket.

                                          Eligibility logic uses each issuer's published minimum income, age, and CIBIL bands plus a 60–90-day cooldown signal. It does not predict a final decision — only a hard pull does that.

                                          What this tool does and doesn't do

                                          • ✓Checks your inputs against each issuer's published minimum income, age, and CIBIL bands.
                                          • ✓Flags 60–90-day cooldowns when you already have a card from the same issuer.
                                          • ✗Does not run a hard pull — your CIBIL is untouched. Only the actual application would do that.
                                          • ✗Does not predict the issuer's internal decision model — recent enquiries, debt-to-income, and employment stability all matter and we don't see them.