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6 CIBIL bands · Tailored recommendations
The right credit card depends heavily on your CIBIL score band. At 750+ every card approves; at 600 only secured (FD-backed) options work; below 550 you focus on rebuild. Pick your band below for tailored card picks + action plan.
750+ CIBIL is the green-light tier — every Indian credit card approves you, including premium and invitation-only tiers.
700-749 qualifies you for all mid-tier credit cards but may face friction on premium tiers (₹10K+ annual fee).
650-699 qualifies you for entry-tier credit cards but premium options will reject — focus on building, not maximizing rewards.
600-649 means most unsecured cards reject. Path forward: secured (FD-backed) cards or co-applicant on family card.
550-599 means rebuild mode. FD-backed cards approve; unsecured cards uniformly reject. Focus on credit repair.
No CIBIL score yet means you've never had a credit product. Three legitimate first-card paths: FD-backed, add-on, or co-branded entry card.
Check it free at cibil.com (one report/year free) or via the Paisabazaar, BankBazaar or CRED apps (free, CIBIL-partner). HDFC, ICICI, Axis, SBI also surface CIBIL in their banking apps for existing customers.