What is the minimum credit score required for premium credit cards in India?
Yami Balasubramanian
Asked 11 Apr 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.
3 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.
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.
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.
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.