What is the minimum credit score required for premium credit cards in India?
Balakrishna Lakra
Asked 9 May 2026
I currently have a CIBIL score of 800. Which premium credit cards am I eligible for? I am okay with annual fees under ₹25,000.
4 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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.