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A premium credit card offers more than just convenience—it provides travel privileges, lifestyle upgrades, and valuable rewards. However, if you’re just starting out financially or have a low CIBIL score, qualifying for such cards can seem out of reach.
Banks assess several factors before issuing credit cards. If your credit score is low or you lack a credit history, the chances of approval for a premium card are typically slim.
But don’t worry—you can still get a credit card with low CIBIL score and work your way up to premium rewards. Here's how.
Banks typically assess your eligibility based on:
If you have a low credit score or no history, you may be perceived as high-risk. Instead of facing rejection, consider a smarter strategy: start small, build credibility, and climb toward better cards.
If you’re wondering what type of credit card you can realistically get right now, this ladder shows a practical way forward. It's structured for someone who wants to climb toward premium offerings and is seeking a credit card for a low CIBIL score.
Step |
Card type |
Ideal for |
Premium value offered |
1 |
Secured premium card (e.g. FIRST WOW! Credit Card) |
No credit history or low CIBIL score |
Zero forex charges, VISA Infinite, Rewards, EMI, UPI, lifestyle perks |
2 |
Co-branded entry-level cards |
Fair score (~650–700) |
Brand-specific perks, lower fees |
3 |
Pre-approved premium cards |
Good banking relationship |
Low documentation, better credit limits |
4 |
Top-tier premium cards |
High score (750+), solid income |
Airport lounges, concierge, travel deals |
For anyone with limited history, starting at step 1 with a secured option makes the most sense.
The best way to get started is with a secured credit card—one backed by a fixed deposit. These cards are easier to obtain, even if you have a low CIBIL score or no credit record.
The FIRST WOW! Credit Card is a secured card that offers premium-level features, tailored for people looking for a credit card for a low CIBIL score or limited credit history.
Key benefits include -
Once you’ve received your secured card, the next step is to improve your credit standing through disciplined usage.
In just 6 to 12 months, these habits can significantly improve your credit score, making you eligible for more advanced cards.
Track your progress and catch errors by regularly checking your credit report. Mistakes or incorrect entries can lower your score.
Useful tools:
Look out for:
As your creditworthiness improves, you’ll qualify for:
You don’t need to apply for everything—choose strategically based on your spending habits and the benefits that matter most to you.
Having a premium secured credit card like the FIRST WOW! Credit Card can elevate your experience with features such as:
Feature |
Why it matters |
No Forex Charges |
If you are studying internationally or simply traveling abroad, low forex markup means you pay lesser in exchange fees. |
Up to 4X Reward Points |
Earn up to 4 Reward Points on every ₹150 you spend, so you get more value from your spending. |
EMI Conversion |
Manage larger purchases comfortably |
UPI compatibility |
Integrates well with existing payment habits |
Travel and dining offers |
Pay less for an enhanced lifestyle |
Lifetime-Free |
Save on joining and annual fees |
The FIRST WOW! Credit Card offers these advantages right from the start, making it a practical and rewarding option for anyone in search of a credit card for a low CIBIL score with premium features.
The idea that premium cards are only for those with perfect credit is outdated. With the FIRST WOW! Credit Card, you can start enjoying travel, rewards, and lifestyle rewards while also building your credit score.
Whether you're a student, freelancer, or rebuilding your finances—getting a credit card for a low CIBIL score is a practical and strategic move.
Ready to begin?
Start small. Build strong. And enjoy the perks of premium, sooner than you think.
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.