What is the minimum credit score required for premium credit cards in India?
Bhavna Deshpande
Asked 15 Mar 2026
I currently have a CIBIL score of 750. Which premium credit cards am I eligible for? I am okay with annual fees under ₹60,000.
2 Answers
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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