What is the minimum credit score required for premium credit cards in India?
Nusrat Jat
Asked 25 Mar 2026
I currently have a CIBIL score of 720. Which premium credit cards am I eligible for? I am okay with annual fees under ₹2,00,000.
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.
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
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