A CIBIL score is a three-digit number (ranging from 300 to 900) that represents your creditworthiness based on your past repayment history, outstanding loans, and credit usage. Banks and financial institutions use this score to evaluate whether you are eligible for loans or credit cards. Many people applying for a credit card for the first time often wonder: What is the minimum CIBIL score required to get approved?
Overview Table
| Particulars | Details |
|---|---|
| Ideal CIBIL Score Range | 750 and above |
| Minimum Score Required | 700 (for most banks) |
| Low Score Range | Below 650 |
| No CIBIL Score | Possible for first-time applicants |
| Factors Considered | Repayment history, credit mix, utilization ratio, recent enquiries |
Why CIBIL Score Matters for Credit Cards
- Determines credit card approval chances
- Affects credit limit assigned by the bank
- Impacts interest rates on loans and credit cards
- High scores show responsible financial behaviour
- Low scores may lead to rejections or secured card offers
Minimum CIBIL Score for Credit Card Approval
- 750 and above: Excellent – High chance of approval, better offers, higher limits
- 700 – 749: Good – Approval possible, though with fewer premium options
- 650 – 699: Fair – Approval may be difficult, often limited to basic cards
- Below 650: Poor – Very low chance of approval, may require a secured credit card
- No CIBIL Score / New to Credit: Banks may offer entry-level or secured cards based on income proofs
Factors That Banks Consider Beyond CIBIL Score
While the CIBIL score is crucial, banks also check:
- Income level and stability
- Employment type (salaried or self-employed)
- Existing debts and repayment obligations
- Age and residential stability
- Past relationship with the bank
How to Improve Your CIBIL Score for Credit Card Approval
- Pay credit card bills and EMIs on time
- Maintain a low credit utilization ratio (below 30%)
- Avoid frequent loan/credit card applications
- Keep old credit accounts active for longer credit history
- Diversify credit mix with both secured (loans) and unsecured (cards) credit
Final Takeaway
The minimum CIBIL score required to get a credit card in India is typically 700 or above, with 750+ being ideal for instant approvals and premium benefits. However, first-time applicants without a credit history can still get entry-level or secured cards. Building and maintaining a good credit score is essential not only for credit cards but also for loans and overall financial health.
FAQs
Q1. Can I get a credit card with a CIBIL score below 650?
Yes, but approval is rare. You may only qualify for secured credit cards.
Q2. What if I have no CIBIL score?
Banks may still issue entry-level or secured credit cards to help you build a credit history.
Q3. Does income matter along with CIBIL score?
Yes, banks check both income stability and credit score before approving credit cards.