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Got a bad credit score but looking to apply for a credit card?
Holding a credit card has almost become a necessity these days as it helps you easily make payments through EMI or make bigger purchases while you’re short on balances. However, the majority of banks require you to have a decent CIBIL™ score to be eligible for applying for a credit card.
Thus, if you have faced financial challenges in the past, have a short credit history, or are young and still do not have enough credit experience, having a high credit score is difficult.
But there are some low credit score for credit cards that you can apply for. Check out all the details below.List of 10 Best Credit Cards for Low CIBIL™ Score at a Glance
In no specific order
Credit Card | Overview | Annual Fee | Interest Rate (Monthly) | Credit Score Needed |
|---|---|---|---|---|
Axis Bank Insta Easy Credit Card | Secured credit card with instant approval and credit limit linked to a fixed deposit. | Nil | 2.50% | No minimum score (secured card) |
HDFC MoneyBack Credit Card | Cashback rewards and double reward points for online spending; ideal for online shoppers. | ₹500 | 3.49% | 650+ |
IDFC FIRST WoW Credit Card | Lifetime-free card offering cashback and discounts, especially on groceries and dining. | Nil | 0.75% to 2.99% | 650+ |
ICICI Bank Coral Credit Card | Premium card offering extra rewards on dining and groceries, along with lifestyle perks like lounge access. | ₹500 | 3.40% | 700+ |
ICICI Bank Platinum Credit Card | No-fee card focusing on basic benefits like reward points and fuel surcharge waiver. | Nil | 3.40% | 650+ |
Kotak Mahindra Aqua Gold Credit Card | Secured credit card with a credit limit up to 90% of fixed deposit value; great for credit rebuilding. | ₹299 | 3.50% | No minimum score (secured card) |
YES Bank Prosperity Rewards Plus Credit Card | Rewards-focused card with 5X points on dining, groceries, and movies, plus milestone benefits. | ₹399 | 3.50% | 650+ |
IndusInd Bank Platinum Aura Credit Card | Reward-centric card offering up to 4X points on select categories and complimentary insurance benefits. | ₹500 | 3.83% | 700+ |
Standard Chartered Platinum Rewards Card | Affordable card with high reward points on dining and fuel transactions, plus flexible redemption options. | ₹250 | 3.49% | 650+ |
Bank of Baroda Prime Credit Card | No-fee card offering rewards and essential benefits, suitable for credit rebuilders or first-time users. | Nil | 2.50% | 600+ |
1. Axis Bank Insta Easy Credit Card
The Axis Bank Insta Easy Credit Card is perfect for those with a low CIBIL™ score, as it’s secured against a fixed deposit. This ensures easy approval without stringent credit checks, making it a great choice for rebuilding credit.Key Benefits:
- Instant approval with minimal documentation.
- Up to 80% of the fixed deposit value as a credit limit.
- Zero joining fee.
Fees and Charges:
- Annual Fee: Nil.
- Interest Rate: 2.50% per month (30% per annum).
2. HDFC MoneyBack Credit Card
Key Benefits:
- Earn 2 reward points for every ₹150 spent.
- 2X reward points on online purchases.
- Points can be redeemed for cash or gifts.
Fees and Charges:
- Joining Fee: ₹500 (waived on high spending).
- Annual Fee: ₹500.
- Interest Rate: 3.49% per month.
3. IDFC FIRST WoW Credit Card
The IDFC FIRST WoW Credit Card stands out as a lifetime-free option with cashback rewards and is one of the best credit cards for bad credit. It’s designed for individuals who want a no-frills card with excellent savings potential.Key Benefits:
- No annual fee for a lifetime.
- 5% cashback on grocery and pharmacy spends.
- Get up to 15% discount on meals at participating restaurants.
Fees and Charges:
- Annual Fee: Nil.
- Interest Rate: 0.75% to 2.99% per month.
4. ICICI Bank Coral Credit Card
The ICICI Coral Credit Card is a premium offering that combines dining and entertainment benefits. It’s a great choice for those who want added lifestyle perks with reasonable fees.Key Benefits:
- Double reward points on dining and grocery expenses.
- Quarterly complimentary airport lounge access.
- Discounts on dining and movies through ICICI Culinary Treats.
Fees and Charges:
- Joining Fee: ₹500.
- Annual Fee: ₹500.
- Interest Rate: 3.40% per month.
5. ICICI Bank Platinum Credit Card
ICICI Bank Platinum credit card is a low CIBIL™ score credit card: simple and reliable option for individuals who want a no-fee credit card. It focuses on providing rewards and basic financial benefits to help users improve their creditworthiness.Key Benefits:
- No joining or annual fees.
- Earn 2 reward points for every ₹100 spent.
- Fuel surcharge waiver on fuel transactions.
Fees and Charges:
- Annual Fee: Nil.
- Interest Rate: 3.40% per month.
6. Kotak Mahindra Aqua Gold Credit Card
The Aqua Gold Credit Card from Kotak Mahindra is specifically designed for people with low credit scores. Being a secured card, it offers a high credit limit against a fixed deposit.Key Benefits:
- Access a credit limit of up to 90% based on your FD.
- Low annual fees, making it highly affordable.
- Helps build a positive credit history.
Fees and Charges:
- Annual Fee: ₹299.
- Interest Rate: 3.50% per month.
7. YES Bank Prosperity Rewards Plus Credit Card
YES Bank’s Prosperity Rewards Plus Card is perfect for individuals seeking lifestyle benefits on dining, groceries, and entertainment while rebuilding their credit.
Key Benefits:
- 5X reward points on grocery, dining, and movie spends.
- Milestone rewards for achieving spending targets.
- Complimentary insurance coverage for cardholders.
Fees and Charges:
- Joining Fee: ₹399.
- Annual Fee: ₹399.
- Interest Rate: 3.50% per month.
8. IndusInd Bank Platinum Aura Credit Card
The Platinum Aura Credit Card is a well-rounded option that offers flexible rewards and insurance benefits, making it suitable for everyday spenders.Key Benefits:
- Maximise your rewards with up to 4X points on dining, shopping, and travel.
- Complimentary insurance coverage for lost cards and personal accidents.
- Flexible redemption options for reward points.
Fees and Charges:
- Joining Fee: ₹500.
- Annual Fee: ₹500.
- Interest Rate: 3.83% per month.
9. Standard Chartered Platinum Rewards Card
Standard Chartered Platinum Rewards card is designed for individuals who want to maximise rewards on fuel and dining transactions. Its affordability and easy eligibility make it a top choice for credit rebuilders.Key Benefits:
- 5 reward points on fuel and dining transactions.
- No joining fee when applied online.
- Flexible redemption options for rewards.
Fees and Charges:
- Annual Fee: ₹250.
- Interest Rate: 3.49% per month.
10. Bank of Baroda Prime Credit Card
The Bank of
Baroda Prime Credit Card offers affordability and essential benefits for those new to credit or looking to improve their score.Key Benefits:
- No joining fee and annual fee.
- Earn 4 reward points for every ₹100 spent.
- Fuel surcharge waiver on transactions.
Fees and Charges:
- Annual Fee: Nil.
- Interest Rate: 2.50% per month.
FAQs on Credit Cards for Low Credit Score
1. Which is the best credit card for low credit score in India?
The Axis Bank Insta Easy Credit Card is one of the best options for individuals with a low credit score, as it is a secured card with easy approval and low fees. Other cards include those provided by HDFC, IndusInd, Standard Chartered Bank, etc.
2. Will a low CIBIL™ score prevent me from getting a credit card?
Yes, individuals with a low CIBIL™ score can still get a credit card, especially secured cards or cards designed for those with low credit scores.
3. Will a 600 credit score allow me to get a credit card?
A credit score of 600 is considered fair, and while you may face challenges, you can still secure a credit card or loan, but with higher interest rates or lower limits.
4. What can be considered as a good credit score?
A credit score of 750 or above is generally considered good, indicating a strong credit history and better chances of loan or credit card approvals.
5. What are the factors that are considered while calculating the credit score?
The main elements that determine your credit score are payment history, credit utilisation, credit history length, types of credit, and recent inquiries.
Disclaimer:This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.
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