Do you have a low CIBIL score but still need a credit card? You’re not alone. Life happens — maybe a missed EMI, an unexpected expense, or simply not having a credit history at all. But here’s the good news: Credit cards for low CIBIL score holders are real, accessible, and can be your first step towards regaining financial confidence.
In this guide, we’re diving deep into the world of low CIBIL credit cards. From how they work, where to find them, and how to use them wisely — we’ve got you covered.
Table of Contents
What is a Low CIBIL Score?
Your CIBIL score is a 3-digit number ranging from 300 to 900, which indicates your creditworthiness. A score below 650 is generally considered low by lenders. This might be due to:
- Missed loan or credit card payments
- High credit utilization
- No or limited credit history
- Multiple loan applications in a short span
A low score might make traditional lenders hesitate, but that doesn’t mean you’re out of options.
Why Choose Credit Cards for Low CIBIL Score?
Let’s be honest: rebuilding credit isn’t easy. But it starts somewhere — and a credit card designed for low CIBIL scores is a strategic tool. Here’s why:
- Get a second chance at building your credit history
- Convenient online and offline payments
- Access to emergency funds in times of need
- Improve your CIBIL score over time with responsible use
Types of Credit Cards You Can Get with a Low CIBIL Score
1. Secured Credit Cards
Secured cards are the most popular option. You provide a fixed deposit (FD) as collateral, and the bank issues a card with a credit limit based on that deposit.
Top Picks in India:
| Card Name | Issuer | Minimum FD | Annual Fee | Features |
|---|---|---|---|---|
| SBI Card Unnati | SBI | ₹5000 | Nil for 4 years | Cashback & Fuel surcharge waiver |
| ICICI Coral Secured | ICICI Bank | ₹10,000 | ₹500 | Lounge access & reward points |
| Axis Insta Easy Card | Axis Bank | ₹15,000 | Nil | Instant approval against FD |
2. Credit Builder Cards
Some banks and fintech companies offer unsecured cards to individuals with low or no credit score. These cards may come with lower credit limits but are designed to help you build your credit over time.
Popular Fintech Options:
| Card Name | Issuer | Annual Fee | Features |
|---|---|---|---|
| OneCard | OneCard | Nil | Metal card, full app control |
| Slice Card | Slice | Nil | UPI support, cashback, EMI facility |
How to Apply for a Low CIBIL Credit Card
- Check your credit score via CIBIL or other credit bureaus
- Compare card options based on eligibility, fees, and features
- Apply online or at the bank branch with necessary documents
- Fund the FD if you’re applying for a secured card
- Get instant or quick approval, depending on the issuer
Tips to Improve Your CIBIL Score Using Credit Cards
- Always pay on time: Set up auto-debit to avoid late fees
- Don’t max out your card: Keep usage below 30% of the limit
- Avoid multiple applications: Each application triggers a hard inquiry
- Use the card regularly: Show consistent and responsible usage
Frequently Asked Questions (FAQs)
Q1: Can I get a credit card if my CIBIL score is below 600?
Absolutely! Many banks offer secured credit cards against a fixed deposit, even if your score is low.
Q2: Will using a low CIBIL score credit card improve my credit score?
Yes, if you use it responsibly by paying dues on time and keeping utilization low.
Q3: How much FD do I need for a secured credit card?
Usually, an FD of Rs. 10,000 to Rs. 25,000 is enough to start.
Q4: Is there any credit card with zero credit history requirement?
Yes. Cards like OneCard and SBI Unnati are designed for users with little or no credit history.
Q5: Are these cards safe and legit?
Definitely. These cards are issued by top banks and RBI-regulated institutions.
Ready to Take Control of Your Credit Journey?
If your low CIBIL score has been holding you back, it’s time to flip the script. Credit cards for low CIBIL scores are not just plastic cards — they’re powerful tools for a fresh financial start.
✅ Start rebuilding your score
✅ Enjoy cashless convenience
✅ Open doors to future credit opportunities
Your Second Chance Starts Here
Having a low CIBIL score doesn’t mean the end of your financial journey—it can be the beginning of a smarter, more disciplined one. With a growing number of credit cards for low CIBIL score in India, you now have accessible and reliable options to regain control of your credit profile.
Whether you choose a secured card backed by a fixed deposit or explore a modern credit-builder card from emerging fintech providers, the goal remains the same: rebuild your credit score while enjoying the convenience of a credit card.
Stay consistent, spend wisely, and pay on time—and soon enough, you’ll unlock access to better financial products, lower interest rates, and greater financial freedom.
📈 Ready to bounce back stronger? Explore your best-fit credit card for low CIBIL score today and take your first confident step toward a brighter credit future.
Apply for a Credit Card that Works for You
Don’t let your credit history define your financial future. Whether you choose a secured card backed by a fixed deposit or go for a new-age credit builder card, there is a card out there for you.
Know More: How to Check Your Credit Score for Free & Fix It Fast! →
Got questions? Drop them in the comments or reach out to our support team. We’re here to help you rebuild, recharge, and rise again!
