helloworld
TF Legend
Bank | Number of Accounts in CIBIL | UPI Cards in CIBIL |
|---|---|---|
| AMEX | Each card has 1 account | - |
| AU | Each card has 1 account (currently only 1 card allowed) | Each card has 1 account |
| AXIS | Each card has 1 account* | Each card has 1 account |
| BOB | Each card has 1 account | Each card has 1 account |
| FEDERAL | Each card has 1 account (currently only 1 card allowed) | 0 account // contribute to existing card account |
| HDFC | Each card has 1 account | Each card has 1 account |
| HSBC | Each card has 1 account | - |
| ICICI | 5 accounts: 1 for Amazon, 1 for Gemstone Cards, 1 for Cobranded, 1 for Emeralde, 1 for Emeralde Private | 0 account // contribute to existing card account |
| IDFC | 2 accounts: 1 for Core Cards, 1 for Cobranded | 0 account // contribute to existing card account |
| INDUSIND | Each card has 1 account | Each card has 1 account |
| KOTAK | Each card has 1 account | Each card has 1 account |
| RBL | Each card has 1 account | Each card has 1 account |
| SBI | Each card has 1 account | Each card has 1 account |
| SC | 1 account for all cards | - |
| YES | Each card has 1 account (currently only 1 card allowed) | Each card has 1 account |
Key Notes:
- Separate Accounts: Multiple cards from the same bank will show as separate accounts in CIBIL, meaning each card has its own credit limit.
- Impact: This increases your overall credit limit, reduces ⬇️ credit utilization, but increases ⬆️ potential debt risk in CIBIL's view.
- *Axis Bank: Card upgrades usually apply only if cards have the same reward system or through the retention team. Otherwise, each card is reported as a separate account in CIBIL.
Update if any changes in your bank. TIA!
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