Does applying for multiple credit cards hurt my CIBIL score?
Sai Malhotra
Asked 16 Mar 2026
27
I plan to apply for 3 credit cards in 2 months to maximise rewards. Will this hurt my credit score and my future loan eligibility?
1 Answer
Accepted
4
Genelia Chand·15 Apr 2026
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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