Minimum CIBIL Score for Credit Cards in India: 650, 700 or 750? (2026 Guide)

One of the most common questions among credit card applicants is:"What CIBIL score do I need to get a credit card in India?"Some people believe a score of 650 is enough, while others think banks only approve applications above 750.The truth is that approval depends on both your credit score and the type of credit card you apply for.In this guide, we'll explain the minimum CIBIL score required for credit cards in India and which cards may be suitable for different score ranges.What is a CIBIL Score?A CIBIL score is a three-digit number that represents your creditworthiness.The score generally ranges from:
  • 300 to 900
Higher scores indicate better repayment behavior and lower risk for banks.Is There a Minimum CIBIL Score for Credit Cards?There is no single score requirement for every bank.Different cards have different eligibility criteria.However, the following ranges can help you understand your approval chances.

CIBIL Score Below 650

Approval can be difficult for most unsecured credit cards.If your score is below 650, consider beginner-friendly or FD-backed cards.

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