Credit card eligibility in India — check before you apply
Minimum income, age, and CIBIL criteria for Indian credit cards — and an honest pre-qualifier with an 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. No hard pull here.
Almost certain to approve
143Apply with confidence.
- HDFC Infinia Metal EditionHDFC · super-premium
- HDFC Diners Club BlackHDFC · premium
- Axis Bank ACEAxis · entry
- Amazon Pay ICICIICICI · entry
- Flipkart Axis BankAxis · entry
- Swiggy HDFC BankHDFC · entry
- SBI CashbackSBI · mid
- American Express MRCCAmerican Express · mid
- HDFC MillenniaHDFC · entry
- ICICI Bank Coral Credit CardICICI · entry
- ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
- ICICI Bank RuPay Credit CardICICI · entry
- ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
- Doctor's SBI CardSBI · entry
- Shaurya SBI CardSBI · entry
- SBI Card UnnatiSBI · entry
- YES Bank Select Credit CardYes · entry
- ·Income ₹7,20,000/yr exceeds Yes's ₹6,00,000 threshold.
- IRCTC HDFC Bank Credit CardHDFC · entry
- ·Income ₹7,20,000/yr exceeds HDFC's ₹3,00,000 threshold.
- ICICI Bank Expressions Credit CardICICI · entry
- BPCL SBI CardSBI · entry
- SBI Card ELITESBI · mid
- SBI Card PRIMESBI · mid
- SBI Card PULSESBI · entry
- Reliance SBI CardSBI · entry
- Tata Neu Plus HDFC Bank Credit CardHDFC · entry
- ·Income ₹7,20,000/yr exceeds HDFC's ₹6,00,000 threshold.
- ePay Amex Credit CardIndusInd · entry
- Klick RuPay Credit CardYes · entry
- FIRST Classic Credit CardIDFC First · entry
- ·Income ₹7,20,000/yr exceeds IDFC First's ₹3,00,000 threshold.
- LIC Select Credit CardIDFC First · entry
- FIRST Millennia Credit CardIDFC First · entry
- ·Income ₹7,20,000/yr exceeds IDFC First's ₹3,00,000 threshold.
- FIRST Digital RuPay Credit CardIDFC First · entry
- FIRST WOW! Credit CardIDFC First · entry
- ABC Nxt and Flex Credit CardAU · entry
- Altura+ Credit CardAU · entry
- InstaPay Credit CardAU · entry
- Laksya Credit CardAU · entry
- AU NOMO Credit CardAU · entry
- AU SPONT Credit CardAU · entry
- AU Traverse Credit Card for NRIsAU · mid
- Vetta Credit CardAU · mid
- Zenith⁺ Credit CardAU · mid
- Zenith Credit CardAU · premium
- Horizon Credit CardAxis · mid
- MY ZONE EASY Credit CardAxis · entry
- My Zone Credit CardAxis · entry
- Axis Bank Select Credit CardAxis · mid
- ·Income ₹7,20,000/yr exceeds Axis's ₹6,00,000 threshold.
- Indian Oil HDFC Bank Credit CardHDFC · entry
- ·Income ₹7,20,000/yr exceeds HDFC's ₹1,44,000 threshold.
- Paytm HDFC Bank Business Credit CardHDFC · entry
- PIXEL Go Credit CardHDFC · entry
- ·Income ₹7,20,000/yr exceeds HDFC's ₹1,44,000 threshold.
- HPCL Coral Credit CardICICI · entry
- ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
- Platinum Chip Credit CardICICI · entry
- ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
- FIRST WOW! Credit CardIDFC First · entry
- Business Multiplier Credit CardIDFC First · entry
- FIRST Business Credit CardIDFC First · entry
- Diamond Reserve Credit CardIDFC First · mid
- FIRST Private Credit CardIDFC First · super-premium
- LIC Classic Credit CardIDFC First · entry
- Lifestyle Credit CardIDFC First · entry
- Lifetime-Free Credit CardsIDFC First · entry
- FIRST CorporateIDFC First · entry
- FIRST SWYP Credit CardIDFC First · entry
- FIRST WOW! Black Credit CardIDFC First · entry
- IndusInd Bank Avios Visa Infinite Credit CardIndusInd · entry
- Celesta Credit CardIndusInd · entry
- EazyDiner Platinum Credit CardIndusInd · entry
- Platinum Visa Credit CardIndusInd · entry
- Samman RuPay Credit CardIndusInd · entry
- Kotak Air+ Credit CardKotak · mid
- Kotak Biz Edge Credit CardKotak · entry
- IndianOil Fuel Credit CardKotak · entry
- Indigo XL Credit CardKotak · entry
- Kotak League Platinum Credit CardKotak · entry
- Kotak NRI Royale Signature Credit CardKotak · entry
- Kotak Shopping Credit CardKotak · entry
- Solitaire Business Credit CardKotak · entry
- Kotak Solitaire Credit CardKotak · entry
- Kotak Infinite Credit CardKotak · entry
- Kotak Zen Credit CardKotak · mid
- World Plus Credit CardRBL · mid
- Air India SBI Signature CardSBI · mid
- Club Vistara SBI Card PRIMESBI · mid
- Club Vistara SBI CardSBI · entry
- IndiGo SBI Card ELITESBI · mid
- Karnataka Bank SimplySAVE SBI CardSBI · entry
- KVB SBI Signature CardSBI · mid
- SBI Card Miles EliteSBI · mid
- SBI Card MILES PRIMESBI · mid
- PSB SBI Card ELITESBI · mid
- Shaurya Select SBI CardSBI · entry
- SimplyCLICK SBI CardSBI · entry
- SimplySAVE SBI CardSBI · entry
- YES Bank Credit CardYes · entry
- Yes Bank CardYes · entry
- YES First Exclusive Credit Card NriYes · mid
- YES BANK POP-CLUB Credit CardYes · entry
- ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
- YES Bank UNI RuPay Credit CardYes · entry
- American Express® Gold CardAmerican Express · mid
- ·Income ₹7,20,000/yr exceeds American Express's ₹6,00,000 threshold.
- American Express® Platinum Travel Credit CardAmerican Express · premium
- ·Income ₹7,20,000/yr exceeds American Express's ₹6,00,000 threshold.
- NEO Credit CardAxis · entry
- HSBC Visa Platinum Credit CardHSBC · entry
- ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
- HSBC TravelOne Credit CardHSBC · mid
- ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
- Platinum Visa Credit CardIndusInd · entry
- Icon Credit CardRBL · premium
- RBL Bank Bankbazaar SaveMax Credit CardRBL · entry
- World Safari Credit CardRBL · mid
- Scapia CardFederal · entry
- YES BANK Paisabazaar PaisaSave Credit CardYes · entry
- ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
- Altura Credit CardAU · entry
- CA Metal Credit CardAU · entry
- Fibe Axis Bank Credit CardAxis · entry
- Google Pay Flex Axis Bank Credit CardAxis · entry
- Regalia Gold Credit CardHDFC · mid
- ·Income ₹7,20,000/yr exceeds HDFC's ₹1,00,000 threshold.
- HSBC Live+ Credit CardHSBC · entry
- ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
- Chennai Super Kings ICICI Bank Credit CardICICI · entry
- ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
- Hello Cashback Credit CardIDFC First · entry
- FIRST EA₹N - FD Backed Virtual RuPay Credit CardIDFC First · entry
- Kotak Cashback Plus Credit CardKotak · entry
- IndianOil RBL Bank XTRA Credit CardRBL · mid
- Apollo SBI Card SELECTSBI · entry
- KrisFlyer SBI Card ApexSBI · premium
- SBI Card MILESSBI · entry
- PhonePe SBI Card SELECT BLACKSBI · entry
- Smart Credit CardStandard Chartered · entry
- Wellness Plus Credit CardYes · entry
- ·Income ₹7,20,000/yr exceeds Yes's ₹2,40,000 threshold.
- YES BANK Credit CardYes · entry
- Reserve Credit CardAxis · entry
- PVR Inox Kotak Credit CardKotak · entry
- RBL Bank Play Credit CardRBL · entry
- FinBooster Credit CardYes · entry
- Diners Club Black METAL Credit CardHDFC · super-premium
- ·Income ₹7,20,000/yr exceeds HDFC's ₹2,50,000 threshold.
- IndusInd Bank Crest Credit CardIndusInd · entry
- YES BANK RuPay Credit CardYes · entry
- Miles & More Axis Bank Credit CardAxis · mid
- Platinum Aura Edge Visa/Master Credit CardIndusInd · entry
- IndusInd Bank Tiger Credit CardIndusInd · entry
- AU LIT Credit CardAU · entry
- CheQ AU Credit CardAU · entry
- ixigo AU Credit CardAU · entry
- VISA Signet Credit CardFederal · entry
- FIFA World Cup 2026™ PIXEL Play Visa Credit CardHDFC · entry
- ·Income ₹7,20,000/yr exceeds HDFC's ₹3,00,000 threshold.
- Kotak811 Dream Different Credit CardKotak · entry
- BYOC Credit CardYes · entry
- ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
- DBS TreasuresDBS · entry
- One Credit CardOnecard · entry
- Pioneer Heritage Credit CardIndusInd · entry
Maybe — read the fine print
5Issuer may still decline; read reasons before applying.
- YES Bank ZAGG Credit CardYes · entry
- ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.
- FIRST Power+ Credit CardIDFC First · entry
- ·Income ₹7,20,000/yr exceeds IDFC First's ₹3,00,000 threshold.
- ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.
- SBI CardSBI · entry
- ·Income ₹7,20,000/yr exceeds SBI's ₹3,00,000 threshold.
- ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.
- SBI CardSBI · entry
- ·Income ₹7,20,000/yr exceeds SBI's ₹3,60,000 threshold.
- ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.
- SBI CardSBI · entry
- ·Income ₹7,20,000/yr exceeds SBI's ₹3,60,000 threshold.
- ·CIBIL 750 meets the bar but no buffer — recent enquiries may sink approval.
Avoid
12A rejection here is a hard pull on your CIBIL. Skip these for now.
- Axis Bank AtlasAxis · premium
- ·Income ₹7,20,000/yr is below Axis's ₹12,00,000 requirement.
- Tata Neu Infinity HDFC Bank Credit CardHDFC · mid
- ·Income ₹7,20,000/yr is below HDFC's ₹12,00,000 requirement.
- ICICI Bank Sapphiro Credit CardICICI · mid
- ·Income ₹7,20,000/yr is below ICICI's ₹9,00,000 requirement.
- Kotak White Credit CardKotak · mid
- ·Income ₹7,20,000/yr is below Kotak's ₹25,00,000 requirement.
- FIRST Wealth Credit CardIDFC First · entry
- ·Income ₹7,20,000/yr is below IDFC First's ₹36,00,000 requirement.
- Magnus Credit CardAxis · super-premium
- ·Income ₹7,20,000/yr is below Axis's ₹24,00,000 requirement.
- Manchester United Signature Credit CardICICI · mid
- ·Income ₹7,20,000/yr is below ICICI's ₹9,00,000 requirement.
- Pinnacle Credit CardIndusInd · entry
- ·Income ₹7,20,000/yr is below IndusInd's ₹10,00,000 requirement.
- MARQUÉE Credit CardYes · premium
- ·Income ₹7,20,000/yr is below Yes's ₹36,00,000 requirement.
- YES Prosperity Business Credit CardYes · entry
- ·Income ₹7,20,000/yr is below Yes's ₹7,50,000 requirement.
- American Express® Platinum CardAmerican Express · super-premium
- ·Income ₹7,20,000/yr is below American Express's ₹25,00,000 requirement.
- FIRST Select Credit CardIDFC First · entry
- ·Income ₹7,20,000/yr is below IDFC First's ₹12,00,000 requirement.
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.
Published eligibility criteria by card
Income and CIBIL minimums as published by the issuer. Banks approve below these bands case-by-case (existing relationship, FD-backed) and reject above them (thin file, recent enquiries) — treat these as the floor, not a guarantee.
Frequently asked questions
What CIBIL score do I need for a credit card in India?
Most Indian issuers approve comfortably at a CIBIL score of 750+. Entry-level cards are often attainable around 700, while premium cards effectively expect 750–780+. Below ~650, a fixed-deposit-backed (secured) credit card is the reliable path — it needs no score and rebuilds your history.
What is the minimum salary for a credit card in India?
Entry-level cards start around ₹2–3 lakh per year of declared income. Mid-tier rewards cards typically want ₹5–7 lakh, and premium cards like HDFC Infinia are invitation-tier at ₹36 lakh+ or high relationship values. Issuers also approve on card-to-card basis (an existing card's limit) or against a fixed deposit if income proof is thin.
Does checking eligibility hurt my CIBIL score?
No — eligibility checks like this one are soft checks and never touch your credit report. Only an actual card application triggers a hard enquiry. Multiple hard enquiries in a short window (say 5 in 30 days) can depress your score for months, which is exactly why you should pre-qualify before applying.
I was rejected — when can I apply again?
Wait at least 60–90 days before reapplying; most issuers enforce an internal cooldown, and a fresh application straight after a rejection almost always fails and adds another hard pull. Use the gap to fix the likely cause: high credit utilisation, a thin file, or too many recent enquiries. A secured card works immediately regardless.