Getting a credit card with a low CIBIL score can be difficult, but it is not impossible. If your CIBIL score is below 700, choosing the right credit card can improve your future loan eligibility and increase your credit score over time.
These cards help users rebuild their credit profiles while offering benefits such as cashback, reward points, UPI payments, and EMI options.
Top 7 Credit Cards for Low Credit Score
| Credit Card | Best For | Annual Fee | Credit Score Requirement |
| IDFC FIRST Bank WOW Credit Card | FD-based beginners | Lifetime Free | Low / No Score |
| ICICI Bank Platinum Chip Card | First-time users | Lifetime Free | 650+ |
| Axis Bank Insta Easy Credit Card | FD-based approval | One-time fee | Low Score |
| State Bank of India SimplySAVE SBI Card | Everyday spending | ₹499 | 650+ |
| Kotak Mahindra Bank 811 Dream Different Card | FD against card | Low Fee | No Credit History |
| HDFC Bank MoneyBack+ Credit Card | Cashback rewards | ₹500 | 650–700 |
| OneCard Metal Credit Card | Beginners & low score | Lifetime Free | Flexible approval |
1. IDFC FIRST Bank WOW Credit Card
The IDFC FIRST WOW Credit Card is one of the most beginner-friendly secured credit cards in India. It is issued against a fixed deposit, making approval easier even for users with low credit scores. Also, you can check the WOW Black Premium Credit Card.
Features
- FD-backed credit card
- Lifetime free card
- No income proof required in many cases
- UPI-linked RuPay variant available
- Reward benefits for spending
Why It’s Good for a Low Credit Score
Since the card is secured against FD, approval chances are higher even for users with poor or no credit history.
2. ICICI Bank Platinum Chip Credit Card
This is a basic entry-level credit card suitable for salaried beginners and moderate credit score users.
Main Benefits
- Contactless payment feature
- EMI conversion facility
- Fuel surcharge waiver
- Online transaction security
Best For
Users are looking for a simple lifetime free credit card.
Also Read: 7 Proven Ways to Get a Loan with a Low CIBIL Score Fast
3. Axis Bank Insta Easy Credit Card
Axis Bank Insta Easy Credit Card is issued against a fixed deposit and is designed for people who struggle to get unsecured credit cards.
Features
- FD-backed approval
- ATM cash withdrawal facility
- Purchase protection
- Easy eligibility
Why It’s Popular
Approval time is faster than other cards. Because it does not heavily depend on credit score.
4. SBI SimplySAVE Credit Card
SBI SimplySAVE is a beginner-friendly credit card useful for daily spending and shopping.
Benefits
- Reward points on grocery and dining
- Welcome gift voucher
- Fuel surcharge waiver
- EMI conversion option
Suitable For
First-time salaried card users with a moderate credit profile.
5. Kotak Bank 811 Dream Different Credit Card
This card is linked with the Kotak 811 savings account and fixed deposit.
Features
- Easy digital process
- FD-based approval
- Online account management
- Helps build credit history
Good for students and first-time users.
6. HDFC Bank MoneyBack+ Credit Card
HDFC MoneyBack+ is suitable for users looking for cashback and online shopping rewards.
Features
- Cashback on online spending
- Reward points system
- EMI conversion facility
- Contactless payments
Suitable for salaried users with an improved credit profile.
7. OneCard Metal Credit Card
OneCard has become popular among young users and beginners because of its digital-first approach.
Features
- Instant virtual card
- App-based controls
- Offers on online spending
- FD-backed approval available for some users
Approval criteria can be more flexible compared to traditional banks.
How Credit Cards Help Improve Credit Score
Using a credit card responsibly can improve your CIBIL score over time.
Tips to Improve Credit Score
- Pay bills before the due date.
- Maintain low credit utilization.
- Avoid missing EMIs
- Do not apply for too many cards at the same time.
- Use the card regularly but carefully.
Consistent repayment behaviour improves future loan eligibility.
Also Read: Top 5 Credit Cards for Low CIBIL Score
Conclusion
Getting a credit card with a low credit score is possible if you choose the right lender and card type. Secured cards like IDFC FIRST Bank WOW Card and Axis Bank Insta Easy Card are excellent choices for beginners because approval is easier with a fixed deposit backing.
At the same time, entry-level cards from State Bank of India, HDFC Bank, and ICICI Bank can help users build a stronger credit profile through responsible usage. Always compare fees, benefits, and repayment terms before applying for any credit card.