CIBIL-Safe • 100% Free • Instant Results

Check Your Credit Card
Eligibility Instantly

Smart FOIR analysis matching you with the best bank offers in India — in under 30 seconds.

No CIBIL hard inquiry
No personal data stored
Bank-algorithm based
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Profile
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Financial
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Results

◆ Credit Eligibility Analyser

Fill in your details to get a personalised credit assessment

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Min 21 years for most banks Please enter a valid age (18–65)
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300 Poor 550 650 700 750+ Excellent
✓ Excellent (750+)

Analysing Your Profile

  • Calculating FOIR & credit headroom…
  • Matching bank eligibility criteria…
  • Generating personalised card recommendations…
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Estimated Limit
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Card Tier
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Approval Odds
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Based on profile
📊 Financial Health Breakdown
FOIR (Fixed Obligation to Income Ratio) 0%
Ideal: under 40% —
🌟 Best Card Matches for You
💡 Tips to Improve Your Eligibility
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FOIR Explained

Banks cap your Fixed Obligation to Income Ratio at 40–50%. Lower EMIs = higher credit limit.

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CIBIL Score Impact

A 750+ CIBIL score unlocks premium cards and 3–5x income multipliers at top banks.

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Best Time to Apply

Apply after 6+ months at a new job. Avoid multiple applications in 30 days to protect your score.

📋 Bank Eligibility Quick Reference

Bank Min. Income Min. CIBIL Min. Age Tier Annual Fee
HDFC Bank ₹25,000/mo 750+ 21 Platinum ₹500–5,000
SBI Card ₹20,000/mo 700+ 21 Gold ₹499–4,999
ICICI Bank ₹25,000/mo 700+ 21 Gold ₹500–5,000
Axis Bank ₹15,000/mo 700+ 18 Silver ₹500–3,000
American Express ₹50,000/mo 750+ 18 Platinum ₹1,500–60,000
Kotak Mahindra ₹25,000/mo 720+ 21 Gold ₹500–2,500
IDFC First ₹15,000/mo 650+ 21 Silver ₹0 (Lifetime Free)
Disclaimer: CardCheck India is an independent eligibility estimation tool and is NOT affiliated with any bank or financial institution. Results are indicative only and based on publicly available banking criteria. Credit decisions are at the sole discretion of the respective banks. Always verify eligibility directly with the bank before applying.

Frequently Asked Questions

Absolutely not. CardCheck India performs a soft check only — we do not access any credit bureaus. Your CIBIL score is completely safe. Only a hard inquiry (when you actually apply at a bank) affects your score.
FOIR stands for Fixed Obligation to Income Ratio. It’s the percentage of your monthly income already committed to loan EMIs. Banks require FOIR to stay below 40–50%. If your current EMIs already take up 60% of your income, you’ll likely be rejected even with a high CIBIL score.
Our algorithm mirrors the general criteria used by major Indian banks, giving you a directionally accurate estimate (typically within 10–20% of actual offers). The actual credit limit offered by a bank will also factor in your full credit history, relationship tenure with the bank, and internal scoring models.
Yes! You still have options: (1) Secured credit cards against an FD — available from SBI, HDFC, Axis, and IDFC First with no CIBIL minimum. (2) Add-on cards as a supplementary cardholder on a family member’s account. Focus on improving your score for 6–12 months and re-apply.
Top cashback cards in India (2026): HDFC Millennia (5% on Amazon, Flipkart), SBI Cashback Card (5% on all online spends), Axis ACE (5% on Google Pay, 4% on Swiggy/Ola), and IDFC First Classic (1.5% unlimited). Your eligibility for these varies by income and CIBIL.
Standard documents required: Identity Proof (Aadhaar, PAN, Passport), Address Proof (Aadhaar, utility bill), Income Proof (last 3 months salary slips for salaried; last 2 years ITR for self-employed), and a recent photograph. Some banks offer instant digital approval with just Aadhaar OTP.
CardCheck India
© 2026 CardCheck India. Not a financial institution. For estimation purposes only.
Results do not constitute financial advice. Always verify with the respective bank.