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Indian applicant checking HDFC CIBIL score requirement on phone before applying

Debt Management

HDFC CIBIL Score: What It Means for Loan Eligibility

HDFC CIBIL score requirements aren't fixed by law, but HDFC Bank generally prefers 750 and above for personal loans and credit cards, with 700 to 720 as the practical floor most applicants need to clear for approval.

By Mohit Juneja | 24 July 2026

Indian person holding a credit card while checking phone at home, credit card for low cibil score illustration

Debt Management

Best Credit Card Options for Low CIBIL Score

A credit card for a low CIBIL score is a card designed for applicants scoring under 650 to 700, usually a secured card backed by a fixed deposit or a credit-builder card with a small limit. Regular unsecured cards mostly need 700+. Responsible use of a credit card can help establish a positive repayment history and strengthen your overall credit profile over time.

By Mohit Juneja | 24 July 2026

Indian person checking their CIBIL score range on a mobile credit report app

Debt Management

CIBIL Score Ranges Explained

CIBIL score ranges from 300 to 900. Scores below 600 are generally considered high risk to lenders, 650 to 749 is commonly considered good, and 750 and above is considered excellent, as general guidance; exact cutoffs vary by lender and bureau. Most banks offer their best rates and fastest approvals in the higher bands.

By Mohit Juneja | 24 July 2026