Tool
Credit score & eligibility
A non-binding guide to what issuers look for — and how to check without hurting your score.
Quick eligibility estimate
Enter your annual income (optional CIBIL score) to see which cards you likely qualify for. This is an estimate — issuers decide, not us.
Frequently asked
What credit score do I need for a credit card in India?
Most Indian issuers require a CIBIL score of 750 or higher for prime cards. Entry-level and secured cards accept scores from 650. Cards with no published score floor (lifetime-free tier) show regardless of score.
How does this eligibility checker decide which cards I qualify for?
The checker reads each card's published annual income bar and minimum CIBIL score. Your monthly income is annualised (×12) and compared; your score is compared directly. A card matches only if you clear every threshold it publishes.
Does checking my eligibility here affect my CIBIL score?
No. This checker is a pure read of the published fee schedule and never touches the bureaus. Only a full credit-card application triggers a hard inquiry that may shave a few points off your score.
Will applying hurt my credit score?
A formal application triggers a hard inquiry on your CIBIL report, which can drop your score by 5–20 points temporarily. The score typically recovers within 3–6 months if you keep paying existing dues on time.
What documents do I need to apply for a credit card?
Most issuers ask for PAN, Aadhaar, last 3 months of salary slips or 2 years of ITR, last 6 months of bank statements, a passport-size photo, and address proof. Self-employed applicants also need business proof such as GST certificate or Udyam registration.
How can I improve my eligibility for premium cards?
Pay all credit-card bills in full and on time for 12+ months, keep credit utilisation under 30%, maintain a healthy mix of secured and unsecured credit, avoid multiple applications in a short window, and resolve any old defaults before reapplying.
Credit score (CIBIL)
Most prime cards want 750+. Lower scores can still qualify for entry-level or secured cards.
Monthly income
Each card sets a minimum. Premium cards typically start around ₹1.5–₹2 lakh per month.
Annualised vs monthly
Our checker multiplies your monthly income by 12 and compares against each card's annual income bar. Enter gross pre-tax salary for the closest match.
Score is optional
Cards with no published score floor (typically lifetime-free and entry-level) show even with an empty score field. Drop the score to widen the result set.