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Which credit card can I get with my credit score?

See what is within reach before an application leaves a mark on your credit report.

  • 5Cards with a published score
  • 221Cards listed
Check first

What is your credit score?

Between 300 and 900. It stays in your browser, and checking your own score never lowers it. Not sure of yours? How to check it free.

Most banks publish no minimum score, so every card is in the list below, with the bank's full rules on its page.

221 cards available
DiningFeatured
HSBC Live Plus Credit Card

HSBC Live Plus Credit Card

HSBC

Joining fee
₹999 + GST
Annual fee
₹999 + GST
Rewards
1.5% base, up to 10% on dining
Fee waived on
₹2 lakh spend a year
Read more
  • Earn 10% Accelerated Cashback (up to Rs 1,000/month) on dining, food delivery and groceries and Earn unlimited 1.5% Cashback on other eligible spends
  • Save up to 15% on dining bills at 200+ partner restaurants through the HSBC Live+ Dining Programme
  • 4 complimentary domestic airport lounge visits per year (1 per calendar quarter)
  • Get Rs 1,000 Cashback when you download & log into the bank’s app and spend Rs 20,000 in first 30 days
  • Receive a complimentary 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more
  • Get Amazon Pay, Swiggy, or Zomato vouchers worth up to Rs 500 on card activation with a minimum single transaction of Rs 300
Apply NowView details
TravelFeaturedLifetime Free
Federal Scapia Credit card

Federal Scapia Credit card

Scapia, issued by Federal Bank and Punjab National Bank

Joining fee
Free
Annual fee
Free
Rewards
2% on most spends; 4% only at partner merchants
Network
Visa
Read more
  • No Joining or Annual Fees
  • Enjoy International Transactions without any additional foreign currency markup fees
  • Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 20,000 on the card every month
  • Earn 20 Scapia Coins per Rs 100 on travel bookings (flights & hotels) via the Scapia app. Earn 10 Scapia Coins per Rs 100 on most online & offline spends
  • Scapia Coins can be redeemed on Scapia App for any travel (Flight/Stays/Train/Bus) bookings for 100% of the booking value (5 Scapia Coins = Re 1)
Apply NowView details
CashbackFeaturedLifetime Free
Kiwi Credit Cards

Kiwi Credit Cards

Kiwi, issued by AU Small Finance Bank

Joining fee
Free
Annual fee
Free
Rewards
1% base, up to 1.5% on UPI payments
Network
RuPay
Read more
  • Get 1.5% Cashback on eligible Scan and Pay transactions with Kiwi LTF Card
  • Get 2% Cashback on eligible Scan and Pay transactions with Kiwi Neon Card
  • 0.5% Cashback on Online Transactions (Normal Exclusions like rent, fuel etc)
  • As a Kiwi Neon user, you can earn up to 5% Cashback and lounge access on an annual spend of Rs 50,000 & above on the Kiwi App
  • As a Kiwi Neon user, get 1 complimentary airport lounge access each time you achieve the annual spend milestones of Rs 50k, 1akh & 1.5 lakh
  • Earn 2 Reward points for every Rs 200 spent on non-UPI transactions
Apply NowView details
Fuel
SBI BPCL Credit Card

SBI BPCL Credit Card

State Bank of India

Joining fee
₹499 + GST
Annual fee
₹499 + GST
Rewards
0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Fee waived on
₹1 lakh spend a year
Apply NowView details
ShoppingFeatured
SBI Cashback Credit Card

SBI Cashback Credit Card

State Bank of India

Joining fee
₹999 + GST
Annual fee
₹999 + GST
Rewards
1% base, up to 5% on online shopping
Fee waived on
₹2 lakh spend a year
Read more
  • Earn 5% cashback on every eligible online transaction, across all websites and apps. No merchant restrictions (Capped at Rs 4000/month combined for both Online & Offline Spends)
  • Offline spends: Get 1% cashback on everyday purchases (eligible offline categories)
  • Online + offline cashback combined is capped at Rs 4,000 per statement cycle - save Rs 48,000/year!
  • Fuel surcharge waiver: 1% waiver on transactions between Rs 500 to Rs 3,000, capped at Rs 100 per statement cycle. No cashback is earned on fuel
  • Cashback is auto-credited to your SBI Card account within 2 working days of statement generation
Apply NowView details
Shopping
YES BANK POP-CLUB Credit Card

YES BANK POP-CLUB Credit Card

POP CLUB, issued by Yes Bank

Joining fee
Free
Annual fee
₹399 + GST
Rewards
0.2% base, up to 1% on online shopping
Welcome benefit
Earn 500 POPcoins on activating the POP CLUB Credit Card
Fee waived on
₹1,50,000 spend a year
Read more
  • Zero joining fee + UPI enabled credit card
  • Earn 500 POPcoins on activating the POP CLUB Credit Card
  • Milestone reward of 1,500 POPcoins on annual spend of ₹1.5 lakh
  • Get 5 free deliveries on Blinkit
  • Get 6-month PharmEasy Plus membership.
  • Get free cancellation and rescheduling of bookings for just ₹1 with Cleartrip.
Apply NowView details
Showing 24 of 221

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Below 650

What actually lifts a score

None of this is quick, and anyone promising otherwise is selling something. These are the four things that move the number.

  • 01

    Pay every bill on time

    Payment history carries the most weight, and one missed payment shows for years.

  • 02

    Keep card use low

    Using well under a third of your limit reads better than running it close to full.

  • 03

    Do not apply for several at once

    Each application is a hard enquiry on your report, and they add up quickly.

  • 04

    Consider a card against a fixed deposit

    Many banks issue one because the deposit covers the limit, and using it well builds a record.

How the score works, how to check it free and how long changes take: CIBIL score explained.

Carrying a balance? Work out what it costs with the credit card interest calculator.

Questions About Scores

What the number means, what changes it, and why some cards do not show one.

What credit score do I need for a credit card in India?

The cards we list that publish a minimum ask for between 650 and 750, on the 300 to 900 scale used by CIBIL, Experian, Equifax and CRIF High Mark. The score is one check: the bank also looks at your income, age and existing credit, and makes the final decision.

Can I get a credit card with a score below 650?

It is harder with most banks. The usual route is a secured card issued against a fixed deposit, which many banks offer because the deposit covers the limit. Paying every bill on time and keeping your card use well below the limit are what lift a score over the following months.

Does checking my own credit score lower it?

No. Checking your own score is a soft enquiry and does not affect it. Applying for a card or a loan is a hard enquiry, and several of those in a short time can bring the score down, so it is worth checking which cards you qualify for before applying.

Where can I see my credit score for free?

The Reserve Bank of India requires every credit bureau in India to give you one free full credit report a year. Your bank's app or net banking often shows your score as well.

Why do some cards not show a minimum score?

Some banks do not publish one. We show only the minimum a bank states and never estimate one, so those cards are listed separately. Their pages carry the bank's full eligibility rules.

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

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