What is the minimum credit score required for premium credit cards in India?
Shivakumar Vaidyanathan
Asked 18 Apr 2026
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹50,000.
3 Answers
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.
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.
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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.