Credit card with 600 CIBIL score in India? Discover smart 2025 tips, BNPL tricks & no-rejection methods to boost approval chances fast.
Introduction:
When it comes to credit cards, your CIBIL score can either open doors or shut them entirely. A credit score of 600 is generally considered low, and most major banks in India prefer applicants with a score of 750 or above. But that doesn’t mean you don’t have options. In fact, with the right strategy, some patience, and smart financial planning, getting a credit card with a 600 score is absolutely possible.
Let’s explore the practical ways you can make it possible
What Does a 600 CIBIL Score Mean?
Before we get into how to get a credit card, it’s important to understand what a 600 CIBIL score says about your credit history.
- CIBIL Score Range: 300–900
- 600 Score: Considered “Fair” or sometimes even “Poor”
A score of 600 typically means
- You may have missed EMIs
- You’ve over-utilized your credit limit
- You might have applied for multiple loans or cards recently
- Your credit history is short or inconsistent
Banks consider this risky, so they tend to decline unsecured credit cards. But that doesn’t mean you don’t have choices.
Option 1: Apply for a Secured Credit Card
This is the most straightforward way to get a credit card with a 600 score. These cards are issued against a fixed deposit (FD), so there’s no risk to the bank.
How It Works:
- You open a fixed deposit (usually ₹10,000 to ₹50,000)
- The bank issues a credit card with a limit of 75–85% of the FD value
- No income proof or high CIBIL score required
Best Secured Credit Cards in India:
Bank Name | Card Name | Minimum FD Required |
SBI | SBI Unnati | ₹25,000 |
ICICI Bank | Coral Secured Card | ₹20,000 |
Axis Bank | Insta Easy Card | ₹20,000 |
HDFC Bank | MoneyBack Secured | ₹10,000 |
Pros:
- Easy approval
- Builds your credit history
- Low chances of rejection
Tip: Use 30% or less of your credit limit and always pay the full bill on time.
Also Read: – Top 5 Credit Cards with Lounge Access Under ₹500 Annual Fee
Option 2: Apply for NBFC or Fintech Credit Cards
Banks may be strict, but NBFCs and fintech companies are more flexible with credit history.
Examples:
- OneCard—backed by Federal Bank & SBM
- Slice Card—easy eligibility, works like a credit card
- Uni Pay 1/3rd Card—EMI-like payments, lower eligibility barrier
These cards often use your alternate data, like
- Salary credits
- Bank statement patterns
- UPI transaction history
They might give you a low limit at first, but it’s a good way to get started
Option 3: Become an Add-On Cardholder
If your spouse, sibling, or parent has a good credit score and a credit card, you can ask them to add you as an authorized user.
Why This Works:
- You leverage their credit behavior to your advantage
- Many banks don’t require a credit check for add-on cards
- Usage is reflected in your credit report
- This option is good if you’re not ready for an FD or if your income is low.
Option 4: Use Buy Now, Pay Later (BNPL) Services
These are not traditional credit cards, but many BNPL providers report your repayment history to credit bureaus. By using them responsibly, you can build or rebuild your credit score over time.
Popular BNPL apps in India:
You can use these apps to make small purchases and always repay on time. This shows lenders that you can manage credit responsibly, which can increase your chances of getting approved for a credit card in the near future.
Note: Not all BNPL services report to CIBIL. ZestMoney usually does.
How to Improve Your Score While Using These Options
Getting a card is one part—using it smartly is what will boost your credit score.
Do This:
- Keep credit utilization below 30%.
- You should always pay before the due date.
- Don’t apply for multiple cards at once.
- Avoid minimum payments — clear the full balance.
How Long Does It Take to Improve a 600 Score?
Here’s a rough idea based on user behavior:
Credit Behavior | Expected Time to Reach 700+ |
Regular usage + timely payment | 6–9 months |
Irregular payments | 12+ months |
Defaults/unpaid loans | 18+ months (with settlements) |
Patience is key. Credit score repair is not instant — but it’s very possible with consistency
What to Avoid When Applying With 600 Score
- Multiple Applications—Each one hits your credit report.
- Fraudulent Offers—No one can “guarantee” a credit card with bad credit.
- High Annual Fee Cards—Avoid unless benefits outweigh costs.
- Loan Agents Promising Quick Fixes— These agents may scam you by charging money and delivering nothing.
Conclusion: You Can Get a Credit Card with a 600 Score — Smartly
A 600 CIBIL score is not the end of your credit journey — it’s the beginning of your credit comeback. Start small, stay consistent, and focus on improving your score with responsible usage.
Whether it’s through secured cards, fintech solutions, or add-on options, there’s a way forward. In a year or less, you could be eligible for premium credit cards, personal loans, or even home loans — just by building the habit of smart credit usage today.
Found this post helpful?
If you’re trying to get a credit card with a low CIBIL score, we hope this guide gave you a clear starting point. Your journey to financial recovery is possible — one smart step at a time.
Have a question or personal story?
Drop it in the comments — let’s grow and learn together.
