What is the minimum credit score required for premium credit cards in India?

Sonu Parihar

Asked 7 Jun 2026

I currently have a CIBIL score of 780. Which premium credit cards am I eligible for? I am okay with annual fees under ₹60,000.

2 Answers

Accepted

Nivedita Chopra·10 Jun 2026

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.

Pranati Khatri·6 Apr 2026

I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.

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