Last updated: 21 August 2026
Main Factors
| Factor | Requirement |
|---|---|
| Income | ₹15K-25K/month (entry), ₹1L+ (premium) |
| CIBIL | 700+ ideal |
| Age | 18-65 |
| Employment | Salaried 6+ mo, Self 2+ yr ITR |
Income vs Tier
| Tier | Min Income |
|---|---|
| Entry | ₹15K-25K/month |
| Mid | ₹30K-50K/month |
| Premium | ₹1L-2L/month |
| Ultra | ₹2L+/month |
Limit Decision
Limit = income ka 2-3x typically + relationship + existing cards + utilization. Limit guide.
Frequently Asked Questions
Q: Minimum income for card?
A: ₹15,000-25,000/month entry. Premium ₹1L+.
Q: Can I get card with 650 CIBIL?
A: Mushkil — secured ya co-branded try karo. 700+ ideal.
Convert your statement — free!
🚀 Open the Tool
🚀 Open the Tool