Credit Score Guide
Your credit score determines which cards you can get. Check your score for free, understand what it means, and learn how to improve it.
Check Your Free Credit Score
CIBIL (TransUnion)
India's most widely used credit score. Ranges from 300 to 900. Most banks check CIBIL before approving credit cards and loans.
Range: 300–900
Good score: 750+
Experian
Globally recognized credit bureau. Experian score ranges from 300 to 850 and is used by many NBFCs and fintech lenders.
Range: 300–850
Good score: 700+
CRIF High Mark
Widely used by banks and microfinance institutions. CRIF scores range from 300 to 900.
Range: 300–900
Good score: 700+
Equifax
One of the four RBI-licensed credit information companies. Offers credit reports and monitoring services.
Range: 300–900
Good score: 750+
What Your Score Means
750–900
All premium & super-premium cards
700–749
Most credit cards, including mid-tier
650–699
Entry-level and secured cards
300–649
Secured credit cards, prepaid cards
Tips to Improve Your Score
Pay on time
Always pay at least the minimum due before the due date. Late payments severely impact your score.
Keep utilization low
Use less than 30% of your credit limit. High utilization signals over-dependence on credit.
Maintain old accounts
Older credit accounts improve your credit history length, which boosts your score.
Limit hard inquiries
Each card/loan application creates a hard inquiry. Too many in a short period hurts your score.
Diversify credit mix
A healthy mix of credit cards, secured loans, and unsecured loans improves your profile.
Monitor your report
Check for errors in your credit report and dispute inaccuracies promptly.