{"id":6287,"date":"2024-01-30T15:40:33","date_gmt":"2024-01-30T15:40:33","guid":{"rendered":"https:\/\/jupiter.money\/blog\/?p=6287"},"modified":"2026-05-05T11:20:50","modified_gmt":"2026-05-05T11:20:50","slug":"credit-card-for-low-cibil-score","status":"publish","type":"post","link":"https:\/\/jupiter.money\/blog\/credit-card-for-low-cibil-score\/","title":{"rendered":"Best Credit Card for Low CIBIL Score: Complete Guide to Secured Cards"},"content":{"rendered":"

Getting a credit card<\/a> for a low CIBIL score can feel tough, but it\u2019s definitely doable. Whether you’re just starting out with credit or trying to fix a low score, there are options for you. Many banks look for high credit scores, but there are cards made for those with poor or limited credit. Secured cards and low-fee options are out there, and picking the right one can help improve your score over time. In this guide, we’ll dive into some of the best credit card choices for low CIBIL scores and practical steps to rebuild your credit score.<\/p>\n

Why Choose a Credit Card for Low CIBIL Score?<\/h2>\n

\"\"<\/p>\n

A low CIBIL score shouldn’t stop you from accessing credit. The right card can help you rebuild trust with lenders while protecting your finances. Cards designed for low-score applicants come with realistic limits, transparent fees, and built-in credit-building features. Using one responsibly\u2014paying bills on time, keeping balances low\u2014can gradually improve your score and unlock better cards in the future.<\/p>\n

What is a Poor, Bad, or Low CIBIL Score?<\/h2>\n

A CIBIL score<\/a> is a numerical representation of your creditworthiness, ranging between 300 and 900. The closer your score is to 900, the better it is, and it reflects your reliability in managing credit. However, if your score falls below 550, it is considered poor. This usually means you\u2019ve had trouble with repayments or have a limited credit history, which can make it harder to get credit cards or loans. But don\u2019t worry, scores in either range can be improved.<\/p>\n

CIBIL Score Range<\/h2>\n\n\n\n\n\n\n\n
CIBIL Score Range<\/strong><\/td>\nRating<\/strong><\/td>\n<\/tr>\n
300-500<\/span><\/td>\nPoor<\/span><\/td>\n<\/tr>\n
550-650<\/span><\/td>\nAverage<\/span><\/td>\n<\/tr>\n
650-750<\/span><\/td>\nGood<\/span><\/td>\n<\/tr>\n
750-900<\/span><\/td>\nExcellent<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Importance of CIBIL Score in Credit Card Applications<\/h2>\n

When you apply for a credit card, your CIBIL score is key in two main ways:<\/p>\n

    \n
  1. Eligibility<\/strong>: Banks typically require a CIBIL score of 750+ to approve credit card applications. A lower score signals risk to lenders and can lead to rejection.<\/li>\n
  2. Credit Limit<\/strong>: Your score directly affects the limit you’re offered. A high score demonstrates responsible repayment, unlocking higher limits. A low score often means a smaller limit or outright denial, though on-time payments can unlock increases over time.<\/li>\n<\/ol>\n

    Best Credit Cards for Low CIBIL Score<\/h2>\n
    \n\n\n\n\n\n\n\n\n\n\n\n
    Credit Card<\/td>\nRewards & Benefits<\/td>\nAnnual Fee<\/td>\nInterest Rate<\/td>\nFD Dependent<\/td>\nJoining Fee<\/td>\nUnique Features<\/td>\n<\/tr>\n
    IDFC WOW Credit Card<\/td>\nLifestyle rewards<\/td>\n\u20b90<\/td>\nVariable<\/td>\nYes<\/td>\n\u20b90<\/td>\nFree lounge access, dining discounts<\/td>\n<\/tr>\n
    Rupicard<\/td>\nBoosts credit score, FD-based limit<\/td>\n\u20b90<\/td>\nNone (secured)<\/td>\nYes<\/td>\n\u20b90<\/td>\nNo credit score or income proof needed<\/td>\n<\/tr>\n
    OneCard<\/td>\n5X rewards on top spending categories<\/td>\n\u20b90<\/td>\n1.33% monthly<\/td>\nNo<\/td>\n\u20b90<\/td>\nMetal card, app-based control, EMI conversion<\/td>\n<\/tr>\n
    SBI SimplyCLICK<\/td>\nOnline shopping rewards<\/td>\n\u20b9499<\/td>\nVariable<\/td>\nNo<\/td>\n\u20b9499<\/td>\n10X rewards on select platforms<\/td>\n<\/tr>\n
    SBI Unnati<\/td>\nSimple cashback<\/td>\n\u20b90 (4 years)<\/td>\nVariable<\/td>\nYes<\/td>\n\u20b90<\/td>\nFD-linked, easy approvals<\/td>\n<\/tr>\n
    Axis Insta Easy<\/td>\nFD-based credit<\/td>\n\u20b90<\/td>\nBased on FD<\/td>\nYes<\/td>\n\u20b90<\/td>\nInstant approval for Axis customers<\/td>\n<\/tr>\n
    Kotak Aqua Gold<\/td>\nStandard rewards<\/td>\n\u20b90<\/td>\nStandard<\/td>\nYes<\/td>\n\u20b90<\/td>\nNo joining fee<\/td>\n<\/tr>\n
    HDFC MoneyBack Plus<\/td>\nCashback & rewards<\/td>\n\u20b9500<\/td>\nStandard<\/td>\nNo<\/td>\n\u20b9500<\/td>\nCashback on online spending<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

    If you have a low CIBIL score and are looking for credit card options, here are some cards that might be suitable. Many of these are secured by fixed deposits or come with minimal eligibility criteria. Check the above table for better understanding:<\/p>\n

      \n
    1. \n

      IDFC FIRST WoW Credit Card<\/strong><\/p>\n

      \n

      Offers minimal eligibility requirements. Earn 4X reward points on spending \u20b9150 and enjoy a credit limit of at least 100% of your fixed deposit value. Plus, get a 1% fuel surcharge waiver.<\/p>\n<\/div>\n<\/li>\n

    2. \n

      Rupicard<\/strong><\/p>\n

      \n

      Enjoy lifelong membership with no annual or initiation fees. Secure the card with a fixed deposit of INR 5,000 and benefit from a 6.5% interest rate. Additionally, earn 0.5% cashback on all transactions.<\/p>\n<\/div>\n<\/li>\n

    3. \n

      OneCard Credit Card<\/strong><\/p>\n

      \n

      No joining or annual fees. Get 5X rewards on your top 2 spending categories each month and fractional reward points on other purchases.<\/p>\n<\/div>\n<\/li>\n

    4. \n

      SBI Advantage Plus Credit Card<\/strong><\/p>\n

      \n

      A globally accepted card secured against fixed deposits with no specific CIBIL score requirement. Access up to 85% of your fixed deposit as your credit limit, make cash withdrawals from ATMs worldwide, and apply for add-on cards for family members. Convert transactions into EMIs through Flexipay. Annual renewal fee is Rs. 500, with no charges for add-on cards. Interest is 2.25% per month or 27% per annum, with late payment fees up to Rs. 750.<\/p>\n<\/div>\n<\/li>\n

    5. \n

      SBI Unnati Credit Card<\/strong><\/p>\n

      \n

      Requires a fixed deposit of over Rs. 2.5 lakh. No annual fee for the first four years, with contactless transactions, cash withdrawals from global ATMs, and add-on cards for family. Convert spending into EMIs via Flexipay. After four years, the annual fee is Rs. 499. Interest rate is 2.50% per month or 30% per annum, with a minimum payment of 5% of the total outstanding amount.<\/p>\n<\/div>\n<\/li>\n

    6. \n

      Axis Bank Insta Easy Credit Card<\/strong><\/p>\n

      \n

      Requires minimal documentation based on salary or fixed deposit. Offers a credit limit of up to 80% of your deposit, waives the 1% fuel surcharge, and allows full-limit cash withdrawals. No joining or annual fees, but the interest rate is 2.50% per month or 34.49% per annum, with late payment fees up to Rs. 700.<\/p>\n<\/div>\n<\/li>\n

    7. \n

      Kotak Mahindra Aqua Gold Credit Card<\/strong><\/p>\n

      \n

      Secured against fixed deposits with a credit limit up to 80% of the deposit amount. Features include up to 48 days of interest-free cash, fuel surcharge waivers on transactions over Rs. 500, and railway surcharge waivers on IRCTC transactions. No joining or annual fees, and no charges for add-on cards. Interest rate is 2.99% per month (35.88% p.a.), with late payment fees up to Rs. 700 and an over-limit charge of Rs. 500.<\/p>\n<\/div>\n<\/li>\n

    8. \n

      HDFC Money Back Credit Card<\/strong><\/p>\n

      \n

      Accessible with a salary, offering 2 reward points per Rs. 150 spent. Allows spending conversion into EMIs with SmartEMI and includes no liability for lost cards once reported. Joining and annual fees are Rs. 500 each, with no charges for add-on cards. Minimum amount due is 5% of the total outstanding, with late payment fees up to Rs. 750 and an over-limit charge of Rs. 500.<\/p>\n<\/div>\n<\/li>\n<\/ol>\n

      Factors to Consider When Choosing Credit Cards with a Low CIBIL Score<\/h2>\n

      Here are some important factors to consider when applying for a credit card on low CIBIL score:<\/p>\n