UPGRADE PATHS
Credit card upgrade paths by Indian bank
The full progression for each bank — from the entry cards at the bottom to the super-premium invite at the top. Follow the numbered rail to see what comes next, what it costs, and the income each rung expects. A ladder maps an issuer’s whole line, so some rungs are closed to new applicants or invite-only; those are badged.
American Express
AU Small Finance Bank
Axis Bank
Co-branded
Main ladder
BOBCARD
Federal Bank
HDFC Bank
Main ladder
HSBC
ICICI Bank
Gemstone series
IDFC FIRST Bank
IndusInd Bank
Kotak Mahindra Bank
RBL Bank
SBI Card
Main ladder
Standard Chartered
YES Bank
Ladders show the typical progression an issuer offers, not a guarantee of approval. An income figure here is the minimum the issuer itself states for that card; where a bank publishes none we leave the line off rather than guess one. Clearing it isn’t the same as being approved, which also turns on your credit profile and your relationship with the bank. See which upgrades you personally qualify for →