Have You Ever Checked CIBIL Score For Credit Card?

In the event that you have been intending to get a Mastercard, you ought to likewise plan to check your CIBIL score. You probably won't know about the way that on the off chance that you have a decent financial assessment, you will be qualified for best Mastercards. Indeed, FICO rating demonstrates that you have been a decent account holder which makes moneylender trust your profile.

Charge cards, for example, Amex are just accessible to the individuals who have a yearly pay of Rs. 6 lakhs. Thus, top charge cards are just accessible to the individuals who have a CIBIL score of 800 or above. Notwithstanding, the individuals who have a score beneath that and even the individuals who have a zero score can likewise get a charge card yet best ones are out of their group. Thus, in the event that you need to get a standout amongst the best charge cards, you must have good credit score. In the event that you have never checked your CIBIL score, you ought to do it.

How can you check CIBIL score?

You can follow the below-given steps to check your CIBIL score:

• Go to check CIBIL score check site
• Give your full name as referenced on the PAN card
• Enter your Date of Birth
• Pick the gender you have a place with
• Mention your PAN card number
• Enter your contact address
• Give your email ID
• Enter your portable number
• Submit the form

What is the minimum CIBIL score required for credit card?

Credit cards are given on the basis of income because the bank needs to trust that you can pay back the money on time. The other way to judge your repayment capacity is through your credit repayment history which can be seen in credit score. The minimum CIBIL score that banks consider for average credit cards is 750. Those who have higher income and score above 800 are eligible for best credit cards.

What is the eligibility criteria based on which credit cards are given?

The eligibility criteria at top 5 banks where you can apply for a credit card are given below. If your CIBIL score for credit card is as per bank’s requirement, you have an advantage of getting a desired credit card. So, let us first tell you the basic eligibility criteria.

SBI Credit Card Eligibility

• The applicant must be an Indian
• The minimum net monthly income of the applicant should be ₹18500 in Metro cities
• If an applicant wants a credit card on the basis of account, he/she must be an account holder in  SBI
• The applicant should be aged between 21-60 years
• The applicant also needs to submit ID Card, Income Proofs, address proofs, etc.

ICICI Credit Card Eligibility

• The applicant should be an Indian citizen
• He/she must not be younger than 23 years of age at the time of application
• The applicant must earn a net monthly income of ₹20,000
• In case with a self-employed, the minimum annual income should not be less than ₹3 Lakh
• The applicant needs to have a good credit history, with no defaults in the past

Axis Bank Credit Card Eligibility

• The applicant must be a primary cardholder and must be aged between 18-70 years
• If an applicant wants to apply for add-on card, he/she should be over 18 years of age
• The applicant should either be a resident or non-resident Indian

HSBC Credit Card Eligibility

• The applicant must be 21 years of age
• Salaried as well as self-employed both can apply
• The applicant must have a minimum annual income of ₹4 Lakhs

HDFC Credit Card Eligibility

• You must have a minimum monthly income set by the bank
• You must be working with a reputed firm or MNC
• You must have a healthy credit score
• There should be any default in your profile