#1
HDFC Bank
HDFC Infinia Credit Card
★★★★★ 4.9
Annual fee
₹12,500
Joining fee
₹12,500
Reward
5%
Min income
₹3.0L/yr
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Best for · Credit Rebuild
Best Credit Cards for Low CIBIL Score (500-650) in India
A CIBIL below 650 doesn't lock you out. Six cards from SBI, ICICI, AU, IDFC, Kotak, Federal explicitly accept credit-repair applicants.
The right playbook depends on your exact band: below 580, only FD-backed cards approve (IDFC Wow!, Kotak Aqua Gold, SBI Advantage Plus); 580-619, FD-backed is still safest because rejected applications drop your score further; 620-679, try SBI Unnati or AU LIT; 650+, Federal Imperio or IDFC FIRST Classic. After 12-18 months of clean payments, expect 720+ CIBIL and unsecured-card eligibility.
What to look for
- No CIBIL minimum OR explicit acceptance from 600+
- FD-backed route as safety net (guaranteed approval)
- Modest initial credit limit (₹15-30K) — banks scale up after 6-12 months
- Bank's customer-service reputation for credit-rebuild segment
What to avoid
- Multiple simultaneous applications (each rejection drops CIBIL 5-15 points)
- Cards with low credit limits but high APRs targeting low-CIBIL segment
- 'CIBIL repair services' charging upfront fees — most are scams
Top 8 cards for credit rebuild
Ranked by InvestingPro rating × eligibility fit for this persona. See our rating methodology.
#2
American Express
American Express Platinum Card
★★★★★ 4.9
Annual fee
₹60,000
Joining fee
₹60,000
Reward
3%
Min income
₹5.0L/yr
#3
ICICI Bank
ICICI Emeralde Credit Card
★★★★★ 4.8
Annual fee
₹12,000
Joining fee
₹12,000
Reward
4%
Min income
₹3.0L/yr
#4
HDFC Bank
HDFC Diners Club Black Credit Card
★★★★★ 4.8
Annual fee
₹10,000
Joining fee
₹10,000
Reward
5%
Min income
₹1.5L/yr
#5
Axis Bank
Axis Bank Magnus Credit Card
★★★★★ 4.8
Annual fee
₹12,500
Joining fee
₹12,500
Reward
5%
Min income
₹3.0L/yr
#6
#7
Axis Bank
Axis Bank Atlas Credit Card
★★★★★ 4.7
Annual fee
₹5,000
Joining fee
₹5,000
Reward
5%
Min income
₹1.5L/yr
#8
HDFC Bank
HDFC Regalia Gold Credit Card
★★★★★ 4.7
Annual fee
₹2,500
Joining fee
₹2,500
Reward
4%
Min income
₹1.2L/yr
Read the full guide
Deep-dive: Best Credit Cards for Low CIBIL Score (500-650) in India →