Instantly estimate which credit card tier you may qualify for. This free tool uses transparent rules (age, income, credit score, debt-to-income) — banks make final decisions.
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You must be 18 or older to apply for retail credit cards.
Selected employment affects eligibility and documentation requirements.
Thresholds & Example eligibility rules
(These are simple heuristics for guidance only — actual bank rules differ.)
Basic / Entry: Age ≥18, income ≥ ₹10k / equivalent, credit score ≥600, DTI < 50%
Standard: Age ≥21, income ≥ ₹25k, credit score ≥650, DTI < 45%
Premium: Age ≥23, income ≥ ₹60k, credit score ≥700, DTI < 35%
Business: Age ≥25, income ≥ ₹80k (or business revenue proof), credit score ≥700, DTI < 40%
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