Can I have two credit cards from the same bank?
Asha Sharma
Asked 27 Mar 2026
I already have a American Express credit card. Can I apply for another card from the same bank? Will it affect my credit score?
2 Answers
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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