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How can you Get a Credit Card with a Poor Credit Score?

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Updated on Jul 9, 2019

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Credit cards are the most convenient payment cards for cashless transaction considering the host of benefits that they bring. These include reward points, the welcome bonus that can later be redeemed in several ways, etc. These cards allow users to make transactions or purchases against a pre-specified line of credit. Thus, potential cardholders need to meet some eligibility criteria to avail them. One of the most important criterion required for prospective cardholders is to have a healthy credit score that reflects his/her creditworthiness.


Card issuers prefer potential cardholders to have a credit score of 750 and above. However, one may often face issues with lower CIBIL score because he/she–



  • Is new to financial loans, credit cards, etc.

  • Has failed to make timely and whole repayments 

  • Has filed bankruptcy

  • Made an increased number of enquiries about credit cards, etc. 


Considering that these situations are a common occurrence, companies facilitate the issuing of credit cards for poor credit score. Read on and check out the ways to get this payment card despite a poor credit score –


  • Choose add-on credit cards

  • Considering that most reputed credit card companies are specific about the CIBIL score of potential cardholders, add-on credit cards can be the next best go-to option for individuals with low scores.


    Add-on cards are issued under a primary credit card and are also called supplementary cards. The original cardholder can issue up to 5 add-on credit cards although the number of such cards varies between individuals.


  • Opt for a secured credit card

  • A preferred type of credit card for poor credit score, secured cards are backed by a security or collateral. Generally, such cards are issued against fixed deposits. A secured credit card can be utilised similar to other credit cards. The only difference is that the line of credit is offered against collateral making it less risky for the issuer. As such, credit card providers offer such cards against lower rates of interest and minimal annual charges for both online and offline transactions.


  • Avail credit cards against salary account

  • Salaried individuals with low credit score have the benefit of availing yet another type of payment card. These credit cards for poor credit score are provided by leading financial institutions against their salary accounts. These cards come with an attractive rate of interest and are best suited to meet the financial requirements of those with comparatively lower income.


    However, such payment cards come with limited features unlike the SuperCards like Bajaj Finserv RBL Bank SuperCard from Bajaj Finserv which combines features of a credit card, loan card, EMI card, and a cash card.


    However, considering that such reputed lenders require their prospective users to have a CIBIL score of 750 and above, individuals can use other credit cards to improve credit score (secured or against salary account).


    Following this, they can avail SuperCards that will help them gain the benefits of industry-first features like –



    • Interest-free ATM cash withdrawal for up to 50 days.

    • Availing emergency personal loan for a grace period of up to 90 days.


    Apart from this, they can also benefit from features like –



    • Earn reward points that can be redeemed against air miles, into cashbacks, fuel surcharge waivers, etc. Remember to check on how to redeem your credit card reward points to make the most out of it.

    • Avail bonus points as welcome gifts.

    • Enjoy mitigated cybercrime threats owing to robust security features like Zero-fraud liability cover and In-hand security.


    Bajaj Finserv also brings you pre-approved offers that ease the application process to avail credit cards. These offers are available on several financial products that include personal loans, business loans, and home loans. You can take a look at your pre-approved offer by providing a few essential details like your name and contact number.


    Thus, one can avail such lucrative payments cards by furnishing a few documents and meeting some eligibility criteria that include improving the CIBIL score.


    How to improve credit score?



    1. Make timely payment of your EMIs

    2. Keep the credit utilisation ratio to within 40%

    3. Clear your existing debts 

    4. Watch out and report immediately in case of any disparity in transactions

    5. Maintain a healthy mix while availing financial aids – get both secured and unsecured loans


    While having a good credit score is a crucial eligibility criterion to avail credit cards, one can always go for cards that are less stringent about this norm. However, having a good CIBIL score helps one not just to have access to feature-loaded SuperCards, but also to avail any other form of financial assistance from reputed lenders.

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