Does applying for multiple credit cards hurt my CIBIL score?
Murugadoss Shekhawat
Asked 11 Apr 2026
15
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
14
Shivakumar Subramaniam·17 May 2026
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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