What is the minimum credit score required for premium credit cards in India?
Shivarajkumar Dihingia
Asked 6 May 2026
10
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
Accepted
7
Meena Jindal·3 Apr 2026
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
13
Zoya Shetty·1 May 2026
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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