Easiest cards to get approved for based on income requirements, credit score needs, and application accessibility.
275 cards ranked | Updated February 2026
Minimum score needed
Minimum income required
Fees as barrier
Age, card nature
Low barrier
Low barrier
₹12K+ income
₹12K+ income
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Low barrier
Not everyone has a 750+ credit score and ₹1L+ monthly income. Many excellent cards are available with lower requirements, making credit accessible to students, early career professionals, and those building credit history.
Yes! Secured cards (backed by FD), student cards, and some entry-level cards don't require credit history. Start here and upgrade after building 6-12 months of payment history.
Everyone starts somewhere. Accessible cards help you build credit history, which eventually qualifies you for premium cards. Choose a card you can get approved for, use it responsibly, and upgrade later.
