💳 Éligibilité de Carte de Crédit
Free CheckSaisissez votre salaire, votre pointage de crédit et votre âge pour évaluer les offres de cartes de crédit correspondantes et estimer les probabilités d'approbation.
Eligibility parameters
Credit CheckAssessment Results
Good EligibilityRewards / Cashback Cards
The credit tier you are highly likely to receive approvals for.
90%
EstimatedYou qualify for core cashback cards (e.g. 5% on online shopping) and travel co-branded cards. These provide optimal rewards for daily expenses.
Standard Indian Credit Card Eligibility Criteria
Age Limit
Typically 21 to 60 years for salaried employees, and 21 to 65 years for self-employed individuals.
Minimum Credit Score
A CIBIL score of 750 or higher is considered excellent. Anything below 650 makes standard card approvals difficult.
Employment Status
A stable job (minimum 1 year of continuous service) or a filed ITR for self-employed individuals of 1-2 years.
Income Proof
Salary slips, bank account statement showing salary credit, or form 16/ITR copies are strictly required.
How Your Credit Score (CIBIL) Affects Card Approvals
A credit card is a revolving credit line. Since it is unsecured credit, banks rely heavily on your CIBIL Score (provided by TransUnion CIBIL or other bureaus like Experian or Equifax) to judge your repayment track record.
Credit Score Ranges:
- 750 or above (Excellent): Instant approvals, high credit limits, and access to premium cards with waivers and reward bonuses.
- 700 to 749 (Good): Strong approval rate. You qualify for most mid-tier rewards and cashback shopping cards.
- 650 to 699 (Fair): Moderate approval rates. You will likely qualify for basic co-branded cards or entry-level cards.
- Below 600 (Poor): Direct applications for standard cards are likely to be rejected. Rejections further lower your credit score. If in this range, we suggest booking a Secured Credit Card backed by a Fixed Deposit.