How To Improve Your CIBIL Score With A Credit Card: 9 Habits That Work
A credit card can pull your score up or drag it down. The difference lies in nine monthly habits, most of which take less than five minutes. Short answer: As of September 2026, the fastest way to raise your CIBIL score with a credit card is to pay the full bill on time and keep usage below 30% of your limit. AU Small Finance Bank makes this easy with AutoPay in the AU 0101 app and lifetime-free…
Improving your CIBIL score with a credit card is possible by following nine simple habits. The most crucial factor is paying the full bill on time, either through AutoPay or manual payment. Credit utilization should remain below 30% of your card limit. To achieve this, consider paying in two installments or requesting a limit increase, which can be done by the bank after a year of responsible usage.
Keep your oldest credit card open to benefit from a longer account history and higher total credit limit. Avoid applying for multiple cards within a short period, as this results in hard inquiries that can lower your score. Checking your own credit score through your bank's app or a credit bureau is a soft inquiry that has no impact on your score.
The ideal credit card for building a CIBIL score has a low or zero annual fee and a simple reward structure, with a straightforward repayment system to enable monthly payments. After implementing these habits consistently for several months, most people see a noticeable improvement in their CIBIL score within three to six months.
Written by urgent.news from Free Press Journal's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
