New tool

Find out your credit card approval odds

Answer 5 questions. Get a per-card approval probability based on published Indian bank eligibility criteria. No CIBIL pull. No signup. Just honest matching across 113 credit cards.

30 seconds·No credit pull·No PII stored

Question 1 of 5

Monthly take-home income

Salary or business income after deductions

Why heuristic, not a real CIBIL pull?

CIBIL TransUnion API access in India is gated to NBFCs and consumer-lending platforms with full KYC. A traditional comparison site can’t pull your real bureau report — and you shouldn’t trust one that claims to without explicit consent and a hard inquiry.

Instead, we ask 5 calibrated questions and match against each card’s published minimum income, minimum CIBIL, employment-type preferences, and observed approval rates across community discussions on r/IndiaInvestments and r/personalfinanceindia. The result is directionally accurate without compromising your privacy.

What the 4 tiers mean

Very Likely (70-100%): Your profile clears the published minimum by a comfortable margin and matches the card’s target segment. Banks typically approve within 7 working days.
Likely (45-69%): You meet the minimum, but one factor (age, employment type, or existing-card load) is slightly off the ideal. Approval is more likely than not.
Possible (20-44%): You’re close but two or more factors are below ideal. Worth applying if this card is your first preference, but have a backup.
Unlikely (0-19%): You don’t meet the minimum criteria. Applying risks a hard inquiry that lowers your CIBIL by 30-60 points for 60 days. Better to look at lifetime-free or secured cards first.