Checking your score does NOT affect it

Check your CIBIL score. Free.

Your credit score determines which cards you can get approved for. Check it free — no hard inquiry, no effect on your score.

Free places to check

TransUnion CIBIL

Paisabazaar

BankBazaar

OneScore

What your score means for credit cards

300–549

Poor

Very difficult to get approved. Work on improving before applying.

Cards:Secured/FD-backed cards only

550–649

Fair

Limited options. Entry-level cards with lower credit limits.

Cards:Kotak 811, IDFC Classic

650–699

Good

Most entry-level and mid-tier cards available to you.

Cards:Amazon Pay ICICI, SBI Cashback, HDFC Millennia

700–749

Very Good

Wide range of cards including premium options.

Cards:Axis ACE, Flipkart Axis, IDFC Wealth

750–799

Excellent

Almost all cards available. Premium cards within reach.

Cards:HDFC Regalia, Axis Atlas, SC Ultimate

800–900

Exceptional

Best rates, highest limits, super-premium cards.

Cards:HDFC Infinia, Axis Magnus, IndusInd Pinnacle

How to improve your score fast

Pay on time, every time: Payment history is 35% of your score. Set auto-pay for the minimum at least.

Keep utilisation below 30%: If your limit is Rs.1L, keep outstanding below Rs.30K. Ideally below 10%.

Don't apply for multiple cards at once: Each application is a hard inquiry and drops your score by 5-10 points.

Keep old cards open: Length of credit history matters. Don't close your oldest card.

Check for errors: Dispute any incorrect entries on your CIBIL report — they take them seriously.