Instant Credit Card for Poor CIBIL Score – Top 30 Cards in 2025

Are you struggling with a low CIBIL score and still looking for an instant credit card? Good news! In 2025, several banks and financial institutions in India are offering instant credit cards for people with poor credit histories — including options that don’t require a high CIBIL score.

In this article, we’ll cover the top 30 credit cards you can get in 2025 even if your CIBIL score is low. Whether you’re at 550, 600, or even lower, there are real options available for you.

---

🔍 Why CIBIL Score Matters for Credit Cards

CIBIL score is a 3-digit number (300–900) that banks use to evaluate your creditworthiness. A score above 750 is usually considered good. But don’t worry — if you have a poor CIBIL score (below 650), you can still qualify for a credit card.

The secret? Look for secured cards, instant approval fintech cards, and low-risk bank cards.

---

✅ Features to Look for in Low CIBIL Credit Cards

Before we jump into the top 30 list, here are the must-have features:

• Instant Online Approval
• Low or No CIBIL Score Required
• Secured Against FD (Optional)
• Low Annual Fees
• Reporting to CIBIL for Score Improvement

---

🏆 Top 30 Instant Credit Cards for Poor CIBIL Score (2025)

Here are the best cards to consider if your CIBIL score is below 650:

---

1. SBI SimplySAVE Secured Credit Card

• Backed by FD (Fixed Deposit)
• Instant approval online
• Great for beginners

2. HDFC Bank MoneyBack Secured Card

• FD-backed
• Cashback on purchases
• Helps rebuild CIBIL score fast

3. Axis Bank Insta Easy Credit Card

• Issued against FD
• No income proof needed
• Instant approval

4. IDFC FIRST WOW Credit Card

• Lifetime free
• No annual or joining fee
• Works even with no credit history

5. Kotak 811 #DreamDifferent Credit Card

• Secured with FD as low as ₹10,000
• Free credit score tracking

---

6. AU Small Finance Bank LIT Credit Card

• Customize rewards
• Works well for thin credit files

7. YES Prosperity Rewards Plus Secured Card

• FD-backed
• Good cashback options

8. OneCard – Metal Credit Card (FD Variant)

• Fully digital onboarding
• Attractive metal design
• No joining fee

9. ICICI Bank Coral Credit Card (Secured)

• FD-based
• Reward points on dining and shopping

10. Bajaj Finserv RBL Bank Binge SuperCard

• EMI conversion
• Pre-approved for select customers

---

🪪 Fintech & NBFC-Based Instant Credit Cards (2025)

These options are great for poor CIBIL or no CIBIL history:

---

11. Slice Super Card

• Works like a credit card
• Low credit score accepted
• 0% interest for up to 3 months

12. Uni Pay 1/3rd Card

• Split bill into 3 parts
• Instant virtual card
• Accepts low credit score users

13. PostPe Credit Line Card

• Buy now, pay later model
• Easy approval process

14. LazyPay Credit Card

• UPI-linked credit card
• No heavy paperwork

15. Kissht Credit Card

• Ideal for Tier 2/3 users
• Easy EMI options
• Low entry barriers

---

💳 Other Bank Cards for Low CIBIL (Less than 600)

---

16. IndusInd Bank Secured Platinum Card

• Requires FD
• Travel benefits included

17. Federal Bank Secured Credit Card

• Instant FD-based card
• Digital application

18. Bank of Baroda Assure Credit Card

• Backed by FD
• No income documents required

19. ICICI Bank Instant Platinum Credit Card

• FD-backed with 100% limit
• Immediate issuance

20. IDBI Bank Aspire Secured Credit Card

• FD-based with reward points

---

🏦 Cooperative & Small Bank Credit Cards (Easy Approval)

---

21. PNB Global Classic Secured Card

• Accepts poor CIBIL if backed by FD
• Simple KYC

22. Canara Bank Secured Credit Card

• Minimum FD ₹10,000
• No processing fee

23. South Indian Bank SBI Credit Card

• Co-branded option
• Accepts lower CIBIL profiles

24. Karur Vysya Bank Secured Card

• Good rural reach
• FD-based instant card

25. Ujjivan Small Finance Bank Credit Card

• Entry-level users
• Instant digital KYC

---

🌐 International & Virtual Card Options (2025)

---

26. Zolve Credit Card (For Students & Migrants)

• No CIBIL required
• International use (US + India)

27. Fi Money Credit Card (Via Federal Bank)

• Digital-only
• Rewards on savings + spends

28. Freo Pay Credit Card

• BNPL model
• Easy onboarding

29. Truecaller Pay Credit Card (New in 2025)

• App-based card
• Accepts lower credit ratings

30. Paytm SBI Secured Credit Card

• Great for Paytm users
• Approval within minutes

---

📈 How to Use These Cards to Rebuild Your CIBIL Score

Here’s how to make the most of these cards:

• ✅ Always pay full bill on time
• ✅ Keep utilization below 30%
• ✅ Use monthly to create a credit trail
• ✅ Set auto-pay to avoid late payments
• ✅ Monitor your CIBIL every month

---

❓ FAQs – Instant Credit Card for Low CIBIL Score in India

Q1. Can I get a credit card with 550 CIBIL score?
Yes, many secured and fintech cards accept applicants with scores as low as 550.

Q2. Which credit card is best for rebuilding credit?
Cards like SBI SimplySAVE Secured or OneCard (FD-based) help rebuild credit fast.

Q3. Is there a credit card without CIBIL check?
Yes. Some fintech cards like Uni, Slice, and PostPe offer limited credit without hard CIBIL inquiries.

Q4. How fast can I improve my credit with these cards?
With disciplined usage, you can start seeing CIBIL improvement within 3–6 months.

---

📝 Final Thoughts

A low CIBIL score is not the end of your credit journey. In 2025, with dozens of instant credit card options available for poor credit holders, you can rebuild your score, enjoy card benefits, and regain financial control.

Start small, use smartly, and build credit step-by-step.

Which Bank Gives Credit Card with Low Credit Score? – Top 50 Unique Ideas for 2025

A low CIBIL score can feel like a wall blocking your access to credit—but it doesn’t have to be. In 2025, many banks and financial platforms have introduced credit cards for people with low credit scores, often with instant approvals, no income proof, or secured against fixed deposits.

If you’re wondering, “Which bank gives credit card with low credit score?” — you’re in the right place. This detailed guide reveals 50 unique ideas across banks, fintechs, NBFCs, and digital apps that cater to low CIBIL users.

---

🔎 What Is Considered a Low CIBIL Score?

• Below 750 – May face rejections
• Below 650 – Most traditional banks say no
• Below 600 – Need alternative/secured cards
• No CIBIL Score (NA/NH) – Still possible with new-gen options

---

💡 How Can You Get a Credit Card with Low CIBIL Score?

You can:

• Apply for secured cards (backed by FD)
• Use fintech BNPL cards
• Look for co-branded cards with low entry barrier
• Choose banks with low-risk onboarding

---

🏦 Top 50 Bank & Fintech Options That Offer Credit Cards to Low CIBIL Users

Let’s break it down by type:

---

🟢 Top Traditional Banks Offering Secured/Low CIBIL Credit Cards

1. SBI SimplySAVE Secured Card – FD-based card with instant issue
2. HDFC Bank MoneyBack+ Secured Card – Great cashback + low FD
3. ICICI Bank Instant Platinum Card – 100% FD-backed card
4. Axis Bank Insta Easy Card – Apply via Axis mobile app
5. IDBI Aspire Credit Card – Simple FD option, low barrier
6. Bank of Baroda Assure Card – FD-backed with reward benefits
7. PNB Global Classic Secured Card – Nationalized bank card
8. Canara Bank Credit Card (Secured) – Less documentation
9. UCO Bank Credit Card (with FD) – Government bank flexibility
10. Indian Bank Credit Card (Gold) – Accepts low score with FD

---

🔵 Private Sector Bank Options That Accept Low Scores

11. IndusInd Platinum Secured Card – Premium experience
12. Federal Bank Credit Card (Secured) – Smart app onboarding
13. Kotak 811 DreamDifferent Card – FD-backed, easy entry
14. South Indian Bank-SBI Card – Co-branded with flexible terms
15. RBL Bank Titanium Delight Card – Entry-level credit approval
16. IDFC FIRST WOW Credit Card – No CIBIL required for FD version
17. AU Small Finance Bank LIT Card – Personalized rewards
18. DBS Bank FD Credit Card – Digital-first onboarding
19. Equitas Small Finance Card – Digital-first credit tools
20. Jana Small Finance Credit Card – Rural-focused onboarding

---

🟡 Fintech & Neo-Banks Offering Cards Without Strict CIBIL Checks

21. Slice Super Card – EMI and spend tracker, soft CIBIL pull
22. Uni Pay 1/3rd Card – 3-month repayment model
23. Freo Pay Card – BNPL-based spending power
24. PostPe Credit Line Card – UPI credit card, no hard inquiry
25. Kissht Credit Card – EMI options, low credit accepted
26. Truecaller Pay Later Card (New) – Smart credit-based system
27. Paytm SBI Credit Card (Secured) – Backed by Paytm FD
28. LazyPay Credit Card – Fast approval and EMI model
29. OneCard Metal Card (FD version) – No annual fee, FD backing
30. Fi Credit Card (via Federal Bank) – Digital-native user base

---

🔴 International/Global Bank Options in India (For Students, Migrants)

31. Zolve Credit Card – International use, no CIBIL needed
32. Niyo Global Credit Line – Digital-first card for travelers
33. Amex Secured Card (India) – Rare but valuable if eligible
34. HSBC Smart Value Credit Card – Easy onboarding if salary credited
35. Standard Chartered Super Value Titanium – Offers balance transfer
36. Citibank Cashback Card – Offers re-entry with existing relationship

---

🟣 NBFC Credit Cards & Co-Branded Cards with Flexible Entry

37. Bajaj Finserv RBL SuperCard – EMI + lifestyle use
38. Lendingkart Credit Card – SME-friendly card
39. Capital Float Card (via Amazon Pay) – For sellers and consumers
40. FlexSalary Instant Credit Card – Revolving credit model
41. MoneyTap Credit Line Card – Hybrid between credit card and personal loan
42. Ola Money SBI Card – Co-branded with offers, basic approval
43. Amazon Pay ICICI Credit Card – Good for Amazon loyalists with existing ICICI accounts
44. Flipkart Axis Bank Credit Card – Co-branded with low entry score
45. Snapdeal SBI Credit Card – eCommerce focused with relaxed rules

---

⚫ Emerging Platforms & Less-Known Banks Providing Entry Credit Cards

46. Ujjivan Small Finance Bank Card – New users with FD
47. ESAF Bank Credit Card – FD model
48. NSDL Payments Bank Credit Card – Prepaid + credit hybrid
49. Bank of Maharashtra Secured Card – Traditional bank acceptance
50. TripMoney Travel Credit Card – For travelers with limited history

---

📈 Tips to Use These Cards to Boost Your CIBIL Score

• Pay on Time – Every bill on time = +20 to +50 points in 3 months
• Keep Credit Utilization <30% – Spend ₹3,000 if limit is ₹10,000
• Use Monthly – Don’t keep card idle
• Avoid Minimum Payments – Always clear full bill
• Monitor Score Regularly – Use apps like OneScore, CIBIL official

---

❓ FAQs – Credit Card with Low CIBIL Score

Q. Can I get a credit card with 550 CIBIL score?

Yes! Many banks and fintechs offer secured cards or BNPL-style cards for scores as low as 550.

Q. Which bank is easiest to get a credit card from?

Banks like SBI, HDFC, ICICI, and fintechs like Slice and Uni are known for flexible onboarding.

Q. What is the fastest way to get a credit card with low score?

Use FD-backed cards for instant approval – like SBI, HDFC, or Axis secured cards.

Q. How long does it take to rebuild credit with a card?

3 to 6 months of disciplined usage can increase your CIBIL score by 50–100 points.

---

📝 Final Thoughts

If you have a poor CIBIL score, don’t give up. There are 50 smart options in India in 2025 where you can get a credit card even with a bad or no credit score. From secured cards to digital BNPL models, the credit ecosystem is now inclusive and empowering.

Choose the card that fits your needs — and start building your credit profile again.