Find out your credit card approval odds
Answer 5 questions. Get a per-card approval probability based on published Indian bank eligibility criteria. No CIBIL pull. No signup. Just honest matching across 113 credit cards.
Monthly take-home income
Salary or business income after deductions
Why heuristic, not a real CIBIL pull?
CIBIL TransUnion API access in India is gated to NBFCs and consumer-lending platforms with full KYC. A traditional comparison site can’t pull your real bureau report — and you shouldn’t trust one that claims to without explicit consent and a hard inquiry.
Instead, we ask 5 calibrated questions and match against each card’s published minimum income, minimum CIBIL, employment-type preferences, and observed approval rates across community discussions on r/IndiaInvestments and r/personalfinanceindia. The result is directionally accurate without compromising your privacy.
What the 4 tiers mean
- Very Likely (70-100%)
- Your profile clears the published minimum by a comfortable margin and matches the card’s target segment. Banks typically approve within 7 working days.
- Likely (45-69%)
- You meet the minimum, but one factor (age, employment type, or existing-card load) is slightly off the ideal. Approval is more likely than not.
- Possible (20-44%)
- You’re close but two or more factors are below ideal. Worth applying if this card is your first preference, but have a backup.
- Unlikely (0-19%)
- You don’t meet the minimum criteria. Applying risks a hard inquiry that lowers your CIBIL by 30-60 points for 60 days. Better to look at lifetime-free or secured cards first.