Fill in your real-feeling profile. Click "Apply." Watch the bank's algorithm decide. See exactly which factors helped, which hurt.
Move the sliders, change your profile. The decision recalculates every time.
Standard application form. Fill it in, click Apply.
In real life, this all happens in 30 seconds to 7 days, depending on the bank.
The bank requests your full credit report from CIBIL/Experian/Equifax. They see every loan you've ever had, every payment, every default. This is a "hard inquiry" — knocks 5-10 points off your score temporarily.
Salaried applicants submit 3 months of pay slips. Self-employed need ITRs for 2-3 years. The bank calculates your EMI-to-income ratio — they want it under 50%, ideally under 30%.
An automated model scores your application against thousands of similar applicants. For most cards, no human ever looks at your application — the algorithm decides in seconds, sets the limit, and pre-prints the card.
Next, we look at the card itself — what every chip, hologram, and digit on it actually does.