750 Credit Score


750 credit score is considered a good credit score and places you in the "very good" range for lenders. With a 750 credit score, you qualify for favorable interest rates, better loan terms, and higher chances of approval. Lenders view you as a low-risk borrower, which means a 750-credit score mortgage rate will often be lower, saving you money on interest payments.

Whether you're seeking a 750 credit score home loan, personal loan, car loan, or refinancing, this score gives you a strong advantage.

On this page, we discuss what a 750 credit score means, its importance, benefits, & how to reach & maintain a good credit score of 750+. You can also check the loan & credit card offers for a 750 credit score. So. Read on to know more!


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Table of Contents:

750 Credit Score Good or Bad

This table covers different credit score ranges, their corresponding loan eligibility, and associated loan types.

Score Range Loan Eligibility Loan for CIBIL Score
350 Credit Score Difficult to get approved Loan for CIBIL Score 500
593 Credit Score High-risk loans Loan for CIBIL Score 550
620 Credit Score Subprime loans Loan for CIBIL Score 600
650 Credit Score Fair loan offers Loan for CIBIL Score 650
678 Credit Score Moderate loan offers Loan for CIBIL Score 700

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Premium Loan Offers: These are loan offers tailored to borrowers with excellent credit scores, often offering lower interest rates and flexible terms.

Subprime Loan Offers: These are loan offers designed for individuals with poor credit history or low credit scores, typically involving higher interest rates and stricter terms.

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Understanding Credit Score & CIBIL Score

A credit score and a CIBIL score are both indicators of your creditworthiness, but they are not the same. While both scores serve similar purposes, they are derived from different methods and sources. The table below highlights the key differences between a Credit Score and a CIBIL Score:

Credit Score CIBIL Score
A general term representing your creditworthiness. A specific credit score provided by TransUnion CIBIL.
Typically between 300 and 900. Ranges from 300 to 900.
Multiple credit bureaus (Experian, Equifax, etc.). TransUnion CIBIL (specific to India).
Global applicability. Primarily used in India.
Payment history, credit mix, utilization, and inquiries. Payment history, credit exposure, and repayment trends.

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Importance of 750 CIBIL Score

A 750 CIBIL score is considered excellent and demonstrates strong financial health and responsible credit behavior. This score positions you favorably with lenders and offers several key benefits:

  • Higher Loan Approval Chances: Lenders view a 750 CIBIL score as low-risk, increasing the likelihood of loan and credit card approvals.
  • Lower Interest Rates: With a 750 score, you can qualify for lower interest rates on loans and credit cards, reducing your overall borrowing costs.
  • Faster Loan Processing: Many lenders offer quicker approval and disbursal processes for borrowers with excellent scores.
  • Better Credit Card Offers: You become eligible for premium credit cards with better rewards, cashback, and higher credit limits.
  • Negotiating Power: A high score gives you leverage to negotiate better terms for loans and other financial products.

Tips to Get a CIBIL Score of 750

Achieving a CIBIL score of 750 is a key step toward financial stability and unlocking better borrowing opportunities.

Here are some practical tips to help you reach and maintain this excellent credit score.

  1. Pay Your Bills on Time: Consistently make timely repayments on loans, credit cards, and EMIs to build a positive credit history.
  2. Keep Credit Utilization Low: To demonstrate responsible credit management, aim to use less than 30% of your total credit limit.
  3. Avoid Multiple Loan Inquiries: Too many loan applications in a short period can lower your score. Space out your credit requests wisely.
  4. Maintain a Healthy Credit Mix: Balance between secured loans (home loan, car loan) and unsecured loans (credit cards) to show diverse credit management skills.
  5. Check Your Credit Report Regularly: Monitor your credit report for errors or discrepancies and dispute them promptly to maintain an accurate score.
  6. Reduce Outstanding Debt: Pay off existing loans and credit card balances to keep your debt levels manageable.

Tips to Maintain & Leverage a 750 CIBIL Score

Achieving a CIBIL score of 750 is a key step toward financial stability and unlocking better borrowing opportunities. Here are some practical tips to help you maintain this excellent credit score:

  • Pay Bills on Time: Ensure timely payments of credit card bills, EMIs, and loans to maintain a positive repayment history.
  • Keep Credit Utilization Low: Use no more than 30% of your available credit limit to show responsible credit management.
  • Avoid Frequent Loan Applications: Too many hard inquiries can lower your score. Space out applications to avoid negatively impacting your score.
  • Maintain a Healthy Credit Mix: Have a balance of secured (home, auto) and unsecured (credit cards, personal loans) credit to boost your score.
  • Monitor Your Credit Report: Regularly check your report for errors and correct discrepancies promptly to avoid score reductions.
  • Close Old Debts Strategically: Avoid closing old credit accounts if they have a positive repayment history, as they help improve your credit age.

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Benefits of a CIBIL Score of 750

A 750 CIBIL score provides stability, financial opportunities, and savings, making it a powerful tool for achieving your goals.

  1. Higher Chances of Approval: Most lenders readily approve applications with a 750 score due to low perceived risk.
  2. Lower Interest Rates: Qualify for personal loans and credit cards with more favorable interest rates.
  3. Better Credit Card Offers: Access premium cards with better rewards, higher credit limits, and exclusive benefits.
  4. Enhanced Financial Flexibility: Easier access to loans and credit allows you to confidently achieve your financial goals.
  5. Quicker Loan Disbursement: Speed up the loan approval process with a strong CIBIL score.

Loans for 750 Credit Score

A credit score of 750 is a strong indicator of responsible financial behavior, making you a preferred borrower for banks and financial institutions. Here are the top loan offers suitable for individuals with a 750 credit score, along with reasons why these loans are ideal for you:

1. Personal Loans for 750 Credit Score

A personal loan is a versatile financing option suitable for various needs such as medical expenses, travel, or debt consolidation.

  • Fast Approval: Your credit score leads to quick approvals and disbursements.
  • No Collateral Required: Your excellent credit score reduces the need for collateral.
  • Flexible Repayment: Repayment tenures of up to 5 years make it easy to manage your finances.

2. Home Loans for 750 Credit Score

Home loans help you purchase or construct your dream home with favorable terms.

  • Lower Interest Rates: Your creditworthiness qualifies you for competitive rates.
  • Lower Processing Fees: Banks often offer discounts on fees for high-score borrowers.
  • Flexible Repayment Period: Choose repayment terms up to 30 years for manageable EMIs.
  • Balance Transfers & Top-Ups: Benefit from special offers on balance transfers or additional loans.

3. Car Loans for 750 Credit Score

Car loans make it easier to finance your vehicle purchase with minimal hassle.

  • Quick Processing:Your excellent score ensures faster loan approval.
  • Higher Loan Amounts:Get up to 100% financing based on your credit profile.
  • Competitive Rates:Enjoy lower interest rates and affordable EMIs.
  • Pre-Approved Offers:Many lenders provide pre-approved car loans for those with high credit scores.
*Note that the loan details are indicative, and the actual terms will solely depend on the lender's terms and conditions.

Get a quick loan starting at lower interest rates.

750 Credit Score Credit Cards

Across different credit card categories, here is a list of credit cards that would be suitable for a 750 credit score.

  1. Rewards Credit Cards for a 750 Credit Score
    • HDFC Regalia Credit Card:High rewards on travel and dining.
    • SBI SimplyCLICK Credit Card: Online shopping rewards.
    • ICICI Amazon Pay Credit Card: Reward points for Amazon and more.
    • Axis Bank Ace Credit Card:Rewards on utility and food delivery.
    • IndusInd Platinum Aura Card: Rewards on lifestyle and dining.
  2. Cashback Credit Cards for a 750 Credit Score
    • Flipkart Axis Bank Credit Card: 5% cashback on Flipkart and Myntra.
    • Amazon Pay ICICI Card: 5% cashback on Amazon for Prime members.
    • Citi Cashback Credit Card: Cashback on utility and movie tickets.
    • HDFC MoneyBack Credit Card:Cashback on all spends.
    • SBI Cashback Credit Card: Flat 5% cashback on online spending and 1% on all other spends.
  3. Travel Credit Cards for a 750 Credit Score
    • Axis Vistara Signature Card:Complimentary Vistara flight tickets.
    • Yatra SBI Card:Discounts on travel bookings.
    • HDFC Diners Club Privilege Card:Lounge access and global privileges.
    • IndusInd Voyage Credit Card:Travel rewards and luxury benefits.
    • American Express Platinum Travel Card:Travel vouchers and points.
  4. Premium Credit Cards for a 750 Credit Score
    • HDFC Infinia Credit Card: Unlimited lounge access and high credit limit.
    • ICICI Sapphiro Credit Card:Lifestyle privileges and rewards.
    • Standard Chartered Ultimate Card: Premium rewards and travel benefits.
    • SBI Elite Card: Luxury and lifestyle benefits.
    • Kotak Privy League Signature Card:Exclusive premium services.
  5. Lifestyle Credit Cards for a 750 Credit Score
    • American Express Membership Rewards Card: Points for everyday spending.
    • IndusInd Legend Credit Card: Dining and shopping privileges.
    • HDFC Diners Club Black: Exclusive lifestyle and travel benefits.
    • SBI Card PRIME: Rewards on movies, dining, and groceries.
    • Axis Bank Privilege Credit Card: Offers on dining, travel, and shopping.
*Note that there can be a more comprehensive list of credit cards for 750 credit score, and the list here is for an initial understanding.

Get the best credit cards for your needs!

Credit Card Benefits for 750 Credit Score

A credit score of 750 qualifies you for premium credit cards with numerous benefits. Here are the general features & benefits you can expect:

  1. Higher Credit Limits: Increased spending power due to your excellent creditworthiness.
  2. Lower Interest Rates: Enjoy lower APRs on outstanding balances and EMIs.
  3. Rewards and Cashback: Earn reward points, cashback, and discounts on shopping, dining, and travel.
  4. Travel Benefits: Complimentary airport lounge access, travel insurance, and air mile rewards.
  5. Lifestyle Perks: Exclusive deals on entertainment, luxury spending, and dining.
  6. Introductory Offers: Welcome bonuses, zero annual fees for the first year, and signup rewards.
  7. Fuel Surcharge Waivers: Save on fuel costs with surcharge waivers at petrol stations.
  8. Easy Approvals: Faster approval process and pre-approved card offer with minimal documentation.

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Frequently Asked Questions

A credit score of 750 indicates strong creditworthiness and responsible financial behavior. It reflects timely payments, low credit utilization, and a well-managed credit history. Lenders see this score as a sign that you are a low-risk borrower.

Yes, a credit score of 750 is generally considered excellent by most lenders and credit rating agencies. It typically falls into the "Good" to "Excellent" category, increasing your chances of loan approvals and favorable interest rates.

Yes, with a 750 credit score, you are eligible for loans with lower interest rates. Lenders typically offer preferential rates and better terms to individuals with high credit scores, as they are seen as low-risk borrowers.

Lower interest rates on loans and credit cards, higher approval chances for personal and home loans, increased credit limits from credit card issuers, faster pre-approved offers with better loan terms.

Pay bills promptly, keep credit usage under 30%, monitor reports for errors, limit new applications, and maintain a varied credit mix.

As of recent data, approximately 25% of Indians with a credit history have a credit score above 750. This number is growing as financial literacy and responsible credit usage improve.

Your score may drop from missed/late payments, high credit use, loan default, closing old accounts, or multiple inquiries.

Yes, while both are excellent scores, an 800 credit score is considered "exceptional" and may offer slightly better loan terms and interest rates compared to a 750 score. An 800 score reflects a longer history of responsible credit use and extremely low credit risk.

Always pay bills on time, keep credit utilization below 20%, diversify credit types, limit inquiries, maintain long credit history, and monitor reports promptly.

With a 750 credit score, you can expect to typically borrow up to ₹25 lakhs for personal loans, ₹1 crore+ for home loans, and ₹50 lakhs for car loans, depending on your income and repayment capacity.

A 750 credit score can typically qualify you for interest rates ranging from 10%–12% p.a. for personal loans, 8%–9% p.a. for home loans, and 7.5%–9.5% pa.a for car loans. However, the interest rates would vary as per the lender.

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