What is the minimum credit score required for premium credit cards in India?
Girish Vemuri
Asked 12 Mar 2026
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹2,00,000.
2 Answers
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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