A minimum credit score of 650 is required when applying for a credit card, however, 750 is considered to be the ideal CIBIL Score. For a credit score below 650, credit card issuing banks could reject your credit card application. Even at a credit score of 650 the issuing banks and financial institutions may not offer you their best credit card deals, but you will be eligible to apply for one. Kotak Mahindra Bank offers credit cards to applicants who have a credit card CIBIL score of 750 or above. So, when applying for a credit card from Kotak Mahindra Bank ensure that your credit score is at least 750. Higher the credit score, better the chances of getting a premium credit card.