What is the minimum credit score required for premium credit cards in India?
Shahid Yadav
Asked 14 Apr 2026
I currently have a CIBIL score of 780. Which premium credit cards am I eligible for? I am okay with annual fees under ₹50,000.
2 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.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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