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Get a credit card even when you have a low CIBIL score by choosing the right issuer. Improve your financial profile by following simple tips.
Getting a credit card when you have a low CIBIL score may seem difficult, but it is not impossible. Many banks now offer credit cards to individuals with poor or limited credit histories. These cards help you manage your finances and rebuild your credit score.
You need to make timely repayments. Keep your credit utilisation low to see steady improvement. Some issuers may ask for a fixed deposit as collateral. Responsible usage over time can lead to higher credit limits and better card options.
You can obtain a credit card even with a low CIBIL score
Secured cards remain the most suitable option for a poor credit history
No fixed minimum score exists, but a score above 750 is preferred
Use credit cards responsibly to rebuild your credit score
Pay bills on time and maintain low credit utilisation
Improvement in CIBIL score typically takes 6–12 months
You can receive a credit card even with a bad CIBIL score. Most banks prefer applicants with a good credit history. However, some institutions offer cards to those with low scores. These include secured credit cards issued against a fixed deposit.
Some also offer basic or low-limit cards designed to help rebuild credit. Responsible usage and timely payments can gradually improve your CIBIL score. Over time, this may help you become eligible for regular credit cards.
There is no fixed minimum CIBIL score required to obtain a credit card. However, most banks prefer a score of 750 or above for standard credit cards. A higher score shows a reliable history of repaying loans or bills on time.
A lower score, especially below 650, makes approval more difficult. You can still apply for secured credit cards. These cards help improve your score through regular use and timely payments.
Applicants with low CIBIL scores can choose from various card types. These cards help manage expenses and build a better credit history.
These cards require a fixed deposit as security. The credit limit equals the deposit amount. They are useful for establishing a good credit history.
These cards are meant for people with low credit scores. They support credit improvement through responsible spending and timely repayments.
Retail brands issue these cards with simpler approval processes. They are suitable for basic spending and initial credit building.
These cards are created for students with limited or no credit history. They come with low limits and simple features.
These are not true credit cards. They help with budgeting and reduce the risk of debt. They do not affect your CIBIL score.
Here are some ways to get an instant credit card with a low CIBIL score:
This card is backed by a fixed deposit. The credit limit depends on the deposit amount. You also earn interest on the fixed deposit. Timely payments help improve your CIBIL score.
Your bank may issue a credit card based on your savings or account history. A strong banking relationship increases your chances, even with a low score.
These are issued without any collateral. They usually carry higher interest rates and fees. Responsible usage supports credit rebuilding.
Using a credit card can provide more than just spending flexibility. It helps build good financial habits. It also improves your credit score over time. Here are some of its benefits:
It helps rebuild your credit score through consistent and timely repayments
The card enables convenient cashless transactions both online and offline
It serves as a financial buffer during emergencies or urgent situations
It promotes disciplined financial behaviour, such as budgeting and timely repayments
After obtaining a credit card, responsible usage becomes essential. Practising good financial habits can enhance your score and prevent further debt.
Pay your bills on time to avoid interest charges and improve your credit score
Maintain credit utilisation below 30% of your limit to reflect responsible usage
Review your credit report regularly to identify and correct any discrepancies
Use the card for manageable expenses you can repay promptly to build a positive credit history
The best credit card for a low credit score is usually a secured credit card. You place a fixed deposit, and your credit limit matches it. A credit builder card is another option that supports score improvement with regular use and timely payments. Choose a card that fits your spending and repayment habits.
Yes, you can. Secured credit cards or those offered by your bank are good options. These can help you start rebuilding your credit.
You can improve your CIBIL score by using your credit card wisely. Here is how:
Pay your bills in full and on time every month
Keep your credit utilisation below 30% of the limit
Avoid applying for too many cards or loans at once
Use the card regularly for small purchases and repay them quickly
It usually takes 6 to 12 months. Timely payments and smart usage help improve your score.
It is possible. Some banks may approve low-limit or secured cards. Income and existing banking relationships also help.
Secured cards require a fixed deposit and are easier to get. Unsecured cards do not need a deposit but often have stricter terms and higher charges.
Use your card regularly for small purchases. Always pay the full amount on time to build credit.
Yes, but options are limited. Some secured or entry-level cards offer basic rewards.
Apply for a secured credit card. Focus on timely payments and low credit use to improve your score.
