Does applying for multiple credit cards hurt my CIBIL score?
Sachin De
Asked 2 Mar 2026
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?
2 Answers
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
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.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.