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Pre-qualifier · soft check only

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

143

Apply with confidence.

  • HDFC Infinia Metal Edition
    HDFC · super-premium
    • HDFC Diners Club Black
      HDFC · 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 ₹2,40,000 threshold.
                    • ICICI Bank RuPay Credit Card
                      ICICI · entry
                      • ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
                    • Doctor's SBI Card
                      SBI · entry
                      • Shaurya SBI Card
                        SBI · entry
                        • SBI Card Unnati
                          SBI · entry
                          • YES Bank Select Credit Card
                            Yes · entry
                            • ·Income ₹7,20,000/yr exceeds Yes's ₹6,00,000 threshold.
                          • IRCTC HDFC Bank Credit Card
                            HDFC · entry
                            • ·Income ₹7,20,000/yr exceeds HDFC's ₹3,00,000 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
                                      • Tata Neu Plus HDFC Bank Credit Card
                                        HDFC · entry
                                        • ·Income ₹7,20,000/yr exceeds HDFC's ₹6,00,000 threshold.
                                      • ePay Amex Credit Card
                                        IndusInd · entry
                                        • Klick RuPay Credit Card
                                          Yes · entry
                                          • FIRST Classic Credit Card
                                            IDFC First · entry
                                            • ·Income ₹7,20,000/yr exceeds IDFC First's ₹3,00,000 threshold.
                                          • LIC Select Credit Card
                                            IDFC First · entry
                                            • FIRST Millennia Credit Card
                                              IDFC First · entry
                                              • ·Income ₹7,20,000/yr exceeds IDFC First's ₹3,00,000 threshold.
                                            • FIRST Digital RuPay Credit Card
                                              IDFC First · entry
                                              • FIRST WOW! Credit Card
                                                IDFC First · entry
                                                • ABC Nxt and Flex Credit Card
                                                  AU · entry
                                                  • Altura+ Credit Card
                                                    AU · entry
                                                    • InstaPay Credit Card
                                                      AU · entry
                                                      • Laksya Credit Card
                                                        AU · entry
                                                        • AU NOMO Credit Card
                                                          AU · entry
                                                          • AU SPONT Credit Card
                                                            AU · entry
                                                            • AU Traverse Credit Card for NRIs
                                                              AU · mid
                                                              • Vetta Credit Card
                                                                AU · mid
                                                                • Zenith⁺ Credit Card
                                                                  AU · mid
                                                                  • Zenith Credit Card
                                                                    AU · premium
                                                                    • Horizon Credit Card
                                                                      Axis · mid
                                                                      • MY ZONE EASY Credit Card
                                                                        Axis · entry
                                                                        • My Zone Credit Card
                                                                          Axis · entry
                                                                          • Axis Bank Select Credit Card
                                                                            Axis · mid
                                                                            • ·Income ₹7,20,000/yr exceeds Axis's ₹6,00,000 threshold.
                                                                          • Indian Oil HDFC Bank Credit Card
                                                                            HDFC · entry
                                                                            • ·Income ₹7,20,000/yr exceeds HDFC's ₹1,44,000 threshold.
                                                                          • Paytm HDFC Bank Business Credit Card
                                                                            HDFC · entry
                                                                            • PIXEL Go Credit Card
                                                                              HDFC · entry
                                                                              • ·Income ₹7,20,000/yr exceeds HDFC's ₹1,44,000 threshold.
                                                                            • HPCL Coral Credit Card
                                                                              ICICI · entry
                                                                              • ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
                                                                            • Platinum Chip Credit Card
                                                                              ICICI · entry
                                                                              • ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
                                                                            • FIRST WOW! Credit Card
                                                                              IDFC First · entry
                                                                              • Business Multiplier Credit Card
                                                                                IDFC First · entry
                                                                                • FIRST Business Credit Card
                                                                                  IDFC First · entry
                                                                                  • Diamond Reserve Credit Card
                                                                                    IDFC First · mid
                                                                                    • FIRST Private Credit Card
                                                                                      IDFC First · super-premium
                                                                                      • LIC Classic Credit Card
                                                                                        IDFC First · entry
                                                                                        • Lifestyle Credit Card
                                                                                          IDFC First · entry
                                                                                          • Lifetime-Free Credit Cards
                                                                                            IDFC First · entry
                                                                                            • FIRST Corporate
                                                                                              IDFC First · entry
                                                                                              • FIRST SWYP Credit Card
                                                                                                IDFC First · entry
                                                                                                • FIRST WOW! Black Credit Card
                                                                                                  IDFC First · entry
                                                                                                  • IndusInd Bank Avios Visa Infinite Credit Card
                                                                                                    IndusInd · entry
                                                                                                    • Celesta Credit Card
                                                                                                      IndusInd · entry
                                                                                                      • EazyDiner Platinum Credit Card
                                                                                                        IndusInd · entry
                                                                                                        • Platinum Visa Credit Card
                                                                                                          IndusInd · entry
                                                                                                          • Samman RuPay Credit Card
                                                                                                            IndusInd · entry
                                                                                                            • Kotak Air+ Credit Card
                                                                                                              Kotak · mid
                                                                                                              • Kotak Biz Edge Credit Card
                                                                                                                Kotak · entry
                                                                                                                • IndianOil Fuel Credit Card
                                                                                                                  Kotak · entry
                                                                                                                  • Indigo XL Credit Card
                                                                                                                    Kotak · entry
                                                                                                                    • Kotak League Platinum Credit Card
                                                                                                                      Kotak · entry
                                                                                                                      • Kotak NRI Royale Signature Credit Card
                                                                                                                        Kotak · entry
                                                                                                                        • Kotak Shopping Credit Card
                                                                                                                          Kotak · entry
                                                                                                                          • Solitaire Business Credit Card
                                                                                                                            Kotak · entry
                                                                                                                            • Kotak Solitaire Credit Card
                                                                                                                              Kotak · entry
                                                                                                                              • Kotak Infinite Credit Card
                                                                                                                                Kotak · entry
                                                                                                                                • Kotak Zen Credit Card
                                                                                                                                  Kotak · mid
                                                                                                                                  • World Plus Credit Card
                                                                                                                                    RBL · mid
                                                                                                                                    • Air India SBI Signature Card
                                                                                                                                      SBI · mid
                                                                                                                                      • Club Vistara SBI Card PRIME
                                                                                                                                        SBI · mid
                                                                                                                                        • Club Vistara SBI Card
                                                                                                                                          SBI · entry
                                                                                                                                          • IndiGo SBI Card ELITE
                                                                                                                                            SBI · mid
                                                                                                                                            • Karnataka Bank SimplySAVE SBI Card
                                                                                                                                              SBI · entry
                                                                                                                                              • KVB SBI Signature Card
                                                                                                                                                SBI · mid
                                                                                                                                                • SBI Card Miles Elite
                                                                                                                                                  SBI · mid
                                                                                                                                                  • SBI Card MILES PRIME
                                                                                                                                                    SBI · mid
                                                                                                                                                    • PSB SBI Card ELITE
                                                                                                                                                      SBI · mid
                                                                                                                                                      • Shaurya Select SBI Card
                                                                                                                                                        SBI · entry
                                                                                                                                                        • SimplyCLICK SBI Card
                                                                                                                                                          SBI · entry
                                                                                                                                                          • SimplySAVE SBI Card
                                                                                                                                                            SBI · entry
                                                                                                                                                            • YES Bank Credit Card
                                                                                                                                                              Yes · entry
                                                                                                                                                              • Yes Bank Card
                                                                                                                                                                Yes · entry
                                                                                                                                                                • YES First Exclusive Credit Card Nri
                                                                                                                                                                  Yes · mid
                                                                                                                                                                  • YES BANK POP-CLUB Credit Card
                                                                                                                                                                    Yes · entry
                                                                                                                                                                    • ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
                                                                                                                                                                  • YES Bank UNI RuPay Credit Card
                                                                                                                                                                    Yes · entry
                                                                                                                                                                    • American Express® Gold Card
                                                                                                                                                                      American Express · mid
                                                                                                                                                                      • ·Income ₹7,20,000/yr exceeds American Express's ₹6,00,000 threshold.
                                                                                                                                                                    • American Express® Platinum Travel Credit Card
                                                                                                                                                                      American Express · premium
                                                                                                                                                                      • ·Income ₹7,20,000/yr exceeds American Express's ₹6,00,000 threshold.
                                                                                                                                                                    • NEO Credit Card
                                                                                                                                                                      Axis · entry
                                                                                                                                                                      • HSBC Visa Platinum Credit Card
                                                                                                                                                                        HSBC · entry
                                                                                                                                                                        • ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
                                                                                                                                                                      • HSBC TravelOne Credit Card
                                                                                                                                                                        HSBC · mid
                                                                                                                                                                        • ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
                                                                                                                                                                      • Platinum Visa Credit Card
                                                                                                                                                                        IndusInd · entry
                                                                                                                                                                        • Icon Credit Card
                                                                                                                                                                          RBL · premium
                                                                                                                                                                          • RBL Bank Bankbazaar SaveMax Credit Card
                                                                                                                                                                            RBL · entry
                                                                                                                                                                            • World Safari Credit Card
                                                                                                                                                                              RBL · mid
                                                                                                                                                                              • Scapia Card
                                                                                                                                                                                Federal · entry
                                                                                                                                                                                • YES BANK Paisabazaar PaisaSave Credit Card
                                                                                                                                                                                  Yes · entry
                                                                                                                                                                                  • ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
                                                                                                                                                                                • Altura Credit Card
                                                                                                                                                                                  AU · entry
                                                                                                                                                                                  • CA Metal Credit Card
                                                                                                                                                                                    AU · entry
                                                                                                                                                                                    • Fibe Axis Bank Credit Card
                                                                                                                                                                                      Axis · entry
                                                                                                                                                                                      • Google Pay Flex Axis Bank Credit Card
                                                                                                                                                                                        Axis · entry
                                                                                                                                                                                        • Regalia Gold Credit Card
                                                                                                                                                                                          HDFC · mid
                                                                                                                                                                                          • ·Income ₹7,20,000/yr exceeds HDFC's ₹1,00,000 threshold.
                                                                                                                                                                                        • HSBC Live+ Credit Card
                                                                                                                                                                                          HSBC · entry
                                                                                                                                                                                          • ·Income ₹7,20,000/yr exceeds HSBC's ₹6,00,000 threshold.
                                                                                                                                                                                        • Chennai Super Kings ICICI Bank Credit Card
                                                                                                                                                                                          ICICI · entry
                                                                                                                                                                                          • ·Income ₹7,20,000/yr exceeds ICICI's ₹2,40,000 threshold.
                                                                                                                                                                                        • Hello Cashback Credit Card
                                                                                                                                                                                          IDFC First · entry
                                                                                                                                                                                          • FIRST EA₹N - FD Backed Virtual RuPay Credit Card
                                                                                                                                                                                            IDFC First · entry
                                                                                                                                                                                            • Kotak Cashback Plus Credit Card
                                                                                                                                                                                              Kotak · entry
                                                                                                                                                                                              • IndianOil RBL Bank XTRA Credit Card
                                                                                                                                                                                                RBL · mid
                                                                                                                                                                                                • Apollo SBI Card SELECT
                                                                                                                                                                                                  SBI · entry
                                                                                                                                                                                                  • KrisFlyer SBI Card Apex
                                                                                                                                                                                                    SBI · premium
                                                                                                                                                                                                    • SBI Card MILES
                                                                                                                                                                                                      SBI · entry
                                                                                                                                                                                                      • PhonePe SBI Card SELECT BLACK
                                                                                                                                                                                                        SBI · entry
                                                                                                                                                                                                        • Smart Credit Card
                                                                                                                                                                                                          Standard Chartered · entry
                                                                                                                                                                                                          • Wellness Plus Credit Card
                                                                                                                                                                                                            Yes · entry
                                                                                                                                                                                                            • ·Income ₹7,20,000/yr exceeds Yes's ₹2,40,000 threshold.
                                                                                                                                                                                                          • YES BANK Credit Card
                                                                                                                                                                                                            Yes · entry
                                                                                                                                                                                                            • Reserve Credit Card
                                                                                                                                                                                                              Axis · entry
                                                                                                                                                                                                              • PVR Inox Kotak Credit Card
                                                                                                                                                                                                                Kotak · entry
                                                                                                                                                                                                                • RBL Bank Play Credit Card
                                                                                                                                                                                                                  RBL · entry
                                                                                                                                                                                                                  • FinBooster Credit Card
                                                                                                                                                                                                                    Yes · entry
                                                                                                                                                                                                                    • Diners Club Black METAL Credit Card
                                                                                                                                                                                                                      HDFC · super-premium
                                                                                                                                                                                                                      • ·Income ₹7,20,000/yr exceeds HDFC's ₹2,50,000 threshold.
                                                                                                                                                                                                                    • IndusInd Bank Crest Credit Card
                                                                                                                                                                                                                      IndusInd · entry
                                                                                                                                                                                                                      • YES BANK RuPay Credit Card
                                                                                                                                                                                                                        Yes · entry
                                                                                                                                                                                                                        • Miles & More Axis Bank Credit Card
                                                                                                                                                                                                                          Axis · mid
                                                                                                                                                                                                                          • Platinum Aura Edge Visa/Master Credit Card
                                                                                                                                                                                                                            IndusInd · entry
                                                                                                                                                                                                                            • IndusInd Bank Tiger Credit Card
                                                                                                                                                                                                                              IndusInd · entry
                                                                                                                                                                                                                              • AU LIT Credit Card
                                                                                                                                                                                                                                AU · entry
                                                                                                                                                                                                                                • CheQ AU Credit Card
                                                                                                                                                                                                                                  AU · entry
                                                                                                                                                                                                                                  • ixigo AU Credit Card
                                                                                                                                                                                                                                    AU · entry
                                                                                                                                                                                                                                    • VISA Signet Credit Card
                                                                                                                                                                                                                                      Federal · entry
                                                                                                                                                                                                                                      • FIFA World Cup 2026™ PIXEL Play Visa Credit Card
                                                                                                                                                                                                                                        HDFC · entry
                                                                                                                                                                                                                                        • ·Income ₹7,20,000/yr exceeds HDFC's ₹3,00,000 threshold.
                                                                                                                                                                                                                                      • Kotak811 Dream Different Credit Card
                                                                                                                                                                                                                                        Kotak · entry
                                                                                                                                                                                                                                        • BYOC Credit Card
                                                                                                                                                                                                                                          Yes · entry
                                                                                                                                                                                                                                          • ·Income ₹7,20,000/yr exceeds Yes's ₹3,00,000 threshold.
                                                                                                                                                                                                                                        • DBS Treasures
                                                                                                                                                                                                                                          DBS · entry
                                                                                                                                                                                                                                          • One Credit Card
                                                                                                                                                                                                                                            Onecard · entry
                                                                                                                                                                                                                                            • Pioneer Heritage Credit Card
                                                                                                                                                                                                                                              IndusInd · entry

                                                                                                                                                                                                                                              Maybe — read the fine print

                                                                                                                                                                                                                                              5

                                                                                                                                                                                                                                              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.
                                                                                                                                                                                                                                              • FIRST Power+ Credit Card
                                                                                                                                                                                                                                                IDFC 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 Card
                                                                                                                                                                                                                                                SBI · 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 Card
                                                                                                                                                                                                                                                SBI · 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 Card
                                                                                                                                                                                                                                                SBI · 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

                                                                                                                                                                                                                                              12

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

                                                                                                                                                                                                                                              • Axis Bank Atlas
                                                                                                                                                                                                                                                Axis · premium
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below Axis's ₹12,00,000 requirement.
                                                                                                                                                                                                                                              • Tata Neu Infinity HDFC Bank Credit Card
                                                                                                                                                                                                                                                HDFC · mid
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below HDFC's ₹12,00,000 requirement.
                                                                                                                                                                                                                                              • ICICI Bank Sapphiro Credit Card
                                                                                                                                                                                                                                                ICICI · mid
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below ICICI's ₹9,00,000 requirement.
                                                                                                                                                                                                                                              • Kotak White Credit Card
                                                                                                                                                                                                                                                Kotak · mid
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below Kotak's ₹25,00,000 requirement.
                                                                                                                                                                                                                                              • FIRST Wealth Credit Card
                                                                                                                                                                                                                                                IDFC First · entry
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below IDFC First's ₹36,00,000 requirement.
                                                                                                                                                                                                                                              • Magnus Credit Card
                                                                                                                                                                                                                                                Axis · super-premium
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below Axis's ₹24,00,000 requirement.
                                                                                                                                                                                                                                              • Manchester United Signature Credit Card
                                                                                                                                                                                                                                                ICICI · mid
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below ICICI's ₹9,00,000 requirement.
                                                                                                                                                                                                                                              • Pinnacle Credit Card
                                                                                                                                                                                                                                                IndusInd · entry
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below IndusInd's ₹10,00,000 requirement.
                                                                                                                                                                                                                                              • MARQUÉE Credit Card
                                                                                                                                                                                                                                                Yes · premium
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below Yes's ₹36,00,000 requirement.
                                                                                                                                                                                                                                              • YES Prosperity Business Credit Card
                                                                                                                                                                                                                                                Yes · entry
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below Yes's ₹7,50,000 requirement.
                                                                                                                                                                                                                                              • American Express® Platinum Card
                                                                                                                                                                                                                                                American Express · super-premium
                                                                                                                                                                                                                                                • ·Income ₹7,20,000/yr is below American Express's ₹25,00,000 requirement.
                                                                                                                                                                                                                                              • FIRST Select Credit Card
                                                                                                                                                                                                                                                IDFC 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.

                                                                                                                                                                                                                                              CardIssuerMin income (₹/yr)Min CIBIL
                                                                                                                                                                                                                                              Regalia Gold Credit CardHDFC₹1,00,000—
                                                                                                                                                                                                                                              Indian Oil HDFC Bank Credit CardHDFC₹1,44,000—
                                                                                                                                                                                                                                              PIXEL Go Credit CardHDFC₹1,44,000—
                                                                                                                                                                                                                                              ICICI Bank Coral Credit CardICICI₹2,40,000—
                                                                                                                                                                                                                                              ICICI Bank RuPay Credit CardICICI₹2,40,000—
                                                                                                                                                                                                                                              HPCL Coral Credit CardICICI₹2,40,000—
                                                                                                                                                                                                                                              Platinum Chip Credit CardICICI₹2,40,000—
                                                                                                                                                                                                                                              Chennai Super Kings ICICI Bank Credit CardICICI₹2,40,000—
                                                                                                                                                                                                                                              Wellness Plus Credit CardYes₹2,40,000—
                                                                                                                                                                                                                                              Diners Club Black METAL Credit CardHDFC₹2,50,000—
                                                                                                                                                                                                                                              IRCTC HDFC Bank Credit CardHDFC₹3,00,000—
                                                                                                                                                                                                                                              FIRST Classic Credit CardIDFC First₹3,00,000—
                                                                                                                                                                                                                                              FIRST Millennia Credit CardIDFC First₹3,00,000—
                                                                                                                                                                                                                                              FIRST Power+ Credit CardIDFC First₹3,00,000730
                                                                                                                                                                                                                                              SBI CardSBI₹3,00,000750
                                                                                                                                                                                                                                              YES BANK POP-CLUB Credit CardYes₹3,00,000—
                                                                                                                                                                                                                                              YES BANK Paisabazaar PaisaSave Credit CardYes₹3,00,000—
                                                                                                                                                                                                                                              FIFA World Cup 2026™ PIXEL Play Visa Credit CardHDFC₹3,00,000—
                                                                                                                                                                                                                                              BYOC Credit CardYes₹3,00,000—
                                                                                                                                                                                                                                              SBI CardSBI₹3,60,000750
                                                                                                                                                                                                                                              SBI CardSBI₹3,60,000750
                                                                                                                                                                                                                                              YES Bank Select Credit CardYes₹6,00,000—
                                                                                                                                                                                                                                              Tata Neu Plus HDFC Bank Credit CardHDFC₹6,00,000—
                                                                                                                                                                                                                                              Axis Bank Select Credit CardAxis₹6,00,000—
                                                                                                                                                                                                                                              American Express® Gold CardAmerican Express₹6,00,000—
                                                                                                                                                                                                                                              American Express® Platinum Travel Credit CardAmerican Express₹6,00,000—
                                                                                                                                                                                                                                              HSBC Visa Platinum Credit CardHSBC₹6,00,000—
                                                                                                                                                                                                                                              HSBC TravelOne Credit CardHSBC₹6,00,000—
                                                                                                                                                                                                                                              HSBC Live+ Credit CardHSBC₹6,00,000—
                                                                                                                                                                                                                                              YES Prosperity Business Credit CardYes₹7,50,000—
                                                                                                                                                                                                                                              ICICI Bank Sapphiro Credit CardICICI₹9,00,000—
                                                                                                                                                                                                                                              Manchester United Signature Credit CardICICI₹9,00,000—
                                                                                                                                                                                                                                              Pinnacle Credit CardIndusInd₹10,00,000—
                                                                                                                                                                                                                                              Axis Bank AtlasAxis₹12,00,000—
                                                                                                                                                                                                                                              Tata Neu Infinity HDFC Bank Credit CardHDFC₹12,00,000—
                                                                                                                                                                                                                                              FIRST Select Credit CardIDFC First₹12,00,000—
                                                                                                                                                                                                                                              Magnus Credit CardAxis₹24,00,000—
                                                                                                                                                                                                                                              Kotak White Credit CardKotak₹25,00,000—
                                                                                                                                                                                                                                              American Express® Platinum CardAmerican Express₹25,00,000—
                                                                                                                                                                                                                                              FIRST Wealth Credit CardIDFC First₹36,00,000—
                                                                                                                                                                                                                                              MARQUÉE Credit CardYes₹36,00,000—

                                                                                                                                                                                                                                              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.