Can I get credit card with low CIBIL score? Is it possible?
Yes, you can still get a credit card even with a low CIBIL score. You just need to take the right route. Traditional premium cards may not be available immediately, but some alternatives help you start small and build up.
Start with a secured credit card. These are issued against a fixed deposit and do not require income proof or a strong credit history. They are easier to get and help you build credibility. And, once you receive your credit card, this is how you can build up your credit score:
- Keep your spending below 30–40% of the limit, pay all bills on time, and avoid skipping EMIs. Even small, consistent usage helps improve your score.
- Review reports to catch wrong entries or unauthorised enquiries. Mistakes happen, and errors can lower your score unnecessarily.
- As your score climbs past 700+, you will start receiving pre-approved or co-branded card offers. Over time, this leads to premium cards with better rewards and privileges.
If your score is currently low, do not lose hope. By starting with a secured option and managing it well, you will not only get access to a credit card but also steadily improve your CIBIL score.
Once your profile strengthens, you can move toward premium cards with higher limits, lifestyle perks, and travel benefits.