Your credit score is a pure mathematical weight.
A 3-digit integer (300–900) that banks use to assess risk. Higher scores grant access to better cards, higher limits, and easier approvals.
Bracket Classification
You qualify for almost any card, including premium and metal cards. Best reward rates and highest limits.
Most cards are within reach. You'll get approved for mid-tier and many premium cards.
Entry-level and no-fee cards are available. Premium cards will be harder to get.
Harder to get approved for credit cards. Focus on building your score first.
API / Data Sources
The RBI mandates you can check your score once per year for free through any registered Credit Information Company. No hidden fees.
Variables
Payment history
Always pay at least the minimum. Late payments hurt the most.
Credit utilization
Keep your balance below 30% of your credit limit.
Credit history length
Older accounts are better. Don't close old credit cards.
Mix of credit
Having both credit cards and loans shows responsible borrowing.
New applications
Each hard inquiry drops your score slightly. Space out applications.
Soft Inquiry
Trigger: Personal Check
Does NOT affect your credit score at all. Check as many times as you want.
Hard Inquiry
Trigger: Bank Application
Temporarily lowers your score by a few points. Space out applications.
Find the right card
Our deterministic algorithm matches you with the best card.