How to Get a Credit Card for Low CIBIL Score and Unlock Premium Perks

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.

Why getting a premium card is hard with a low CIBIL score
 

Banks typically assess your eligibility based on:

1. Credit score
2. Length and quality of credit history
3. Monthly income and job stability
4. Current debts and repayment patterns

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.

Credit card for low CIBIL score - Your 4-step roadmap
 

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.

For anyone with limited history, starting at step 1 with a secured option makes the most sense.

Step 1 - Apply for a secured credit card for low CIBIL score applicants
 

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.

Why FIRST WOW! Credit Card is a strong starting point

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 -

1. Issued against a fixed deposit of just ₹20,000
   
2. No income proof or credit history required
   
3. Zero forex charges
4.  Credit limit equal to your fixed deposit value
5. Attractive reward program
6. VISA Infinite offers and lifestyle offers
7. Lifetime-free (no annual or joining fees)
   

Unlike most basic secured cards, it provides genuine premium experiences—a rare find for applicants with low CIBIL scores.
 

Step 2 - Build your credit score quickly
 

Once you’ve received your secured card, the next step is to improve your credit standing through disciplined usage.

1. Always pay your bills on time—set up reminders or auto-pay
2.  Keep usage below 30–40% of your credit limit
3. Use the card regularly – even small spends help build history

In just 6 to 12 months, these habits can significantly improve your credit score, making you eligible for more advanced cards.

Step 3 - Keep track of your credit report
 

Track your progress and catch errors by regularly checking your credit report. Mistakes or incorrect entries can lower your score.

Useful tools:

• CIBIL’s official website
• Credit dashboards on banking apps
• Financial apps that offer free credit tracking

Look out for:

• Wrong data
• Unauthorised enquiries
• Late payment reports you’ve already settled

Step 4 - Move to better cards as your credit profile improves
 

As your creditworthiness improves, you’ll qualify for:

1. Pre-approved card offers from your bank
   
   
2. Access to co-branded cards with lifestyle or travel benefits
   
   
3. Opportunities to upgrade your existing secured card

You don’t need to apply for everything—choose strategically based on your spending habits and the benefits that matter most to you.

Premium credit card without credit score: Why consider the FIRST WOW! Credit Card?
 

Having a premium secured credit card like the FIRST WOW! Credit Card can elevate your experience with features such as:

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.

Final thoughts - You don’t have to wait to go premium
 

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?

1. Apply for the FIRST WOW! Credit Card with a minimum fixed deposit of just ₹20,000
2. Use it smartly over the next 6–12 months
3. Monitor your growth and upgrade when the time is right

Start small. Build strong. And enjoy the perks of premium, sooner than you think.