Jun 5, 2025
2 mins read
Thinking of getting a credit card? One of the first things credit card issuers check before approving your application is your CIBIL score. But what exactly is a CIBIL score, and how much is “good enough” to get approved? In this blog, we will learn all about CIBIL Score for a credit card - from how to check your CIBIL score to what affects it, and how it plays a big role in your credit card eligibility. You will also learn what is considered a low score, how to improve it, and which credit cards are suitable if your score isn’t perfect. Whether you are new to credit or looking to bounce back from a bad score, we have got you covered with all the essentials.
When you apply for a credit card, your CIBIL score is one of the most important things your card issuer look at. While there are many types of credit cards to suit different needs, most issuers prefer applicants with a strong credit history.
A CIBIL score of 750 or above is generally considered ideal for credit card approval. If your score is below 750, there is a good chance your application could get rejected. It is advised to check your CIBIL score before applying because a higher score improves your chances of quick and smooth approval.
Do not meet the required eligibility to apply for a credit card? No worries! You can still apply for the BOBCARD PRIME Credit Card, a credit card against Fixed Deposit, which is issued against a fixed deposit of ₹15,000 or more—without any income proof. Know more at www.bobcard.co.in or visit your nearest Bank of Baroda branch.
Your credit card application will likely be accepted if you have a credit score of 750 or above, which is considered outstanding. Card issuers also take into account additional information such as your payment history, current transactions, and debt-to-income ratio. You might still get approved with a score lower than 750 depending on these factors. However, getting an unsecured credit card becomes difficult if your score is below 700.
| CIBIL Score | Chances of Credit Card Approval |
|---|---|
| 750 or above | High chances |
| 700 to 750 | May get approved depending on other factors |
| Less than 700 | Comparatively low chances |
Credit Cards for People with Bad Credit or Low CIBIL Scores
BOBCARD PRIME: Apply for this card against a fixed deposit of ₹15,000 or more without income proof. Get 500 welcome reward points, lifetime free membership, fuel surcharge waiver, reward points on spends, EMI benefits, and more. Visit www.bobcard.co.in or a nearby Bank of Baroda branch to apply.
Your CIBIL score is a measure of your creditworthiness based on your past financial behavior. The higher your score, the better your chances of getting approved. A score of 750 or higher is generally required for credit cards.
A minimum of 650 to an average 750 is typically required.
Yes, especially if you apply for a secured credit card or have a good history with your bank.
To evaluate your credit behavior and repayment capacity.
Yes, a score between 700–749 is considered good.
You can apply for a secured credit card.
750 is the minimum CIBIL score required for a BOBCARD.
Yes, by applying for a secured credit card depending on your bank’s policies.
Knowing your CIBIL score is essential before applying for a credit card. While a score of 750+ is ideal, you can still qualify through improvement or by choosing secured cards. Stay financially responsible to build a strong credit profile and expand your credit opportunities.
The content on this site, including articles, insights, data, and other materials ("Publication"), is provided by BOBCARD for informational and educational purposes only. It does not constitute legal, financial, or credit card advice and should not be considered a recommendation or endorsement of any financial products, credit cards, or services. BOBCARD makes no guarantees regarding the accuracy, completeness, timeliness, or availability of the information provided. We are not responsible for any errors, omissions, or outcomes resulting from its use. Any reliance on the Publication is at the reader’s own discretion and risk. BOBCARD shall not be liable for any losses, damages, costs, or legal consequences (including lost income, profits, or opportunity costs) arising from the use of this content. Readers are strongly advised to seek independent professional advice before making any financial decisions or subscribing to any credit card/financial products or services mentioned in the Publication.
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