Community-reported outcomes
Share my approval storyIndian Credit Card Approval Tracker
Explore real approval and rejection stories by card, CIBIL range, income range, employment type, city tier, and bank relationship.
Directional signals, not guarantees. Approval stories are user-reported. Bank policy, internal scoring, verification, and your complete profile still determine the outcome.
6 sample reports shown
SBI Card
SBI Cashback
- CIBIL range
- 760–780
- Income range
- ₹8–12L
- Employment
- Salaried
- City
- Tier 1
- Relationship
- Savings account
- Limit offered
- ₹1.2–1.8L
- Processing
- 7 days
“Video KYC completed the same day. Limit appeared after dispatch.”View discussion
Axis Bank
Axis Atlas
- CIBIL range
- 740–759
- Income range
- ₹10–15L
- Employment
- Salaried
- City
- Tier 1
- Relationship
- None
- Limit offered
- —
- Processing
- 3 days
“Thin history with only one six-month-old card; no detailed reason given.”View discussion
HDFC Bank
HDFC Regalia Gold
- CIBIL range
- 780–800
- Income range
- ₹15–20L
- Employment
- Salaried
- City
- Tier 2
- Relationship
- Millennia for 3 years
- Limit offered
- ₹4–5L
- Processing
- Pre-approved upgrade
“Upgrade surfaced in net banking after consistent spends.”View discussion
ICICI Bank
ICICI Amazon Pay
- CIBIL range
- 750–779
- Income range
- ₹6–8L
- Employment
- Self-employed
- City
- Tier 2
- Relationship
- Savings account
- Limit offered
- Pending
- Processing
- 12 days so far
“Income document re-upload requested. Application is still under review.”View discussion
AU Small Finance Bank
AU Ixigo
- CIBIL range
- 800+
- Income range
- ₹20L+
- Employment
- Self-employed
- City
- Tier 3
- Relationship
- None
- Limit offered
- —
- Processing
- 9 days
“Reported rejection after address verification; income alone did not help.”View discussion
HDFC Bank
HDFC Millennia
- CIBIL range
- 730–749
- Income range
- ₹5–8L
- Employment
- Salaried
- City
- Tier 1
- Relationship
- Salary account
- Limit offered
- ₹80k–1.2L
- Processing
- 5 days
“First unsecured credit card; bank relationship likely helped.”View discussion
Aggregated insight
Axis Atlas approval snapshot
Similar approved users commonly reported ₹12L+ income, CIBIL 760+, more than two years of credit history, and low recent enquiry count.
Medium–high difficulty126 reports
- Common approved profile
- Established credit history and regular travel-spend fit
- Common rejection pattern
- Thin files, recent enquiries, or address verification issues
Community aggregation can reveal patterns, but it cannot predict an individual bank decision.
Make the data better
Share the result, not your identity.
Add an approval or rejection story using safe ranges. Never include PAN, Aadhaar, phone numbers, exact employer details, or an application ID.