Top 7 Best Credit Cards for Salaried People in India – 2025

Looking for the Best Credit Card in India for Salaried People?
Whether you’re earning ₹20,000 or ₹2 lakh a month, choosing the right credit card can help you save big on shopping, travel, fuel, and bills.

In this 2025 guide, we’ve handpicked the best credit cards for salaried professionals — from zero annual fee cards to cashback champions. Compare features, rewards, eligibility, and apply smart with Invest With Bull.

1. HDFC Millennia Credit Card

Best for: Online shopping & cashback lovers
Minimum salary: ₹25,000/month

Key Features:

• 5% cashback on Amazon, Flipkart, Swiggy, Myntra
• 1% fuel surcharge waiver
• Free airport lounge access (domestic)

💳 Annual Fee: ₹1,000 (waived on ₹1L spend)
🔗 Apply Now – HDFC Bank

2. SBI SimplyClick Credit Card

Best for: First-time salaried users
Minimum salary: ₹20,000/month

Key Features:

• 10X rewards on Amazon, BookMyShow, Cleartrip
• Milestone benefits (₹2,000 e-voucher on ₹1L spend)
• Zero cost EMI options on SBI partners

💳 Annual Fee: ₹499 (waived on ₹1L spend)
🔗 Apply Now – SBI Cards

3. Axis Bank Ace Credit Card

Best for: Flat cashback on everything
Minimum salary: ₹35,000/month

Key Features:

• 5% cashback on bill payments via Google Pay
• 2% flat cashback on all spends
• Free lounge access (4 times/year)

💳 Annual Fee: ₹499 (waived on ₹2L spend)
🔗 Apply Now – Axis Bank

4. ICICI Amazon Pay Credit Card

Best for: Amazon Prime users
Minimum salary: ₹25,000/month

Key Features:

• 5% cashback on Amazon (Prime), 3% (non-Prime)
• 1% on all other spends
• No annual or joining fees ever

💳 Annual Fee: ₹0
🔗 Apply Now – ICICI Bank

5. YES Prosperity Edge Credit Card

Best for: High reward point seekers
Minimum salary: ₹40,000/month

Key Features:

• 4 reward points per ₹100 spent
• Complimentary lounge access
• Great dining offers on YES SELECT

💳 Annual Fee: ₹399 (waived on ₹75K spend)
🔗 Apply Now – YES Bank

6. IDFC FIRST Classic Credit Card

Best for: No fee + unlimited cashback
Minimum salary: ₹25,000/month

Key Features:

• 0.75%–2% cashback on all transactions
• Lifetime free card
• Zero interest on cash withdrawal (48 days)

💳 Annual Fee: ₹0
🔗 Apply Now – IDFC FIRST Bank

7. AU Bank LIT Credit Card

Best for: Customisable rewards & offers
Minimum salary: ₹30,000/month

Key Features:

• Choose your benefits monthly: cashback, travel, dining
• Real-time control via AU 0101 app
• Fuel surcharge waiver

💳 Annual Fee: ₹499
🔗 Apply Now – AU Bank

Comparison Table – Credit Cards for Salaried People (2025)

🙋‍♂️ Which Credit Card Should You Choose?

✅ Choose a card based on:

• Salary eligibility
• Spending behaviour (online, travel, fuel, groceries)
• Fee structure (lifetime free or waiver conditions)
• Reward structure (cashback vs reward points)

👉 For low-income salaried users: ICICI Amazon Pay / SBI SimplyClick
👉 For all-rounders: Axis Ace / HDFC Millennia
👉 For no annual fee: IDFC FIRST Classic / ICICI Amazon

Tips Before Applying for a Credit Card

1. Always check your CIBIL score before applying
2. Don’t apply for multiple cards at once
3. Read the fine print – especially on joining offers
4. Always pay your credit card bills in full and on time
5. Use credit smartly – it’s a financial tool, not free money

FAQs – Best Credit Cards for Salaried People in India

Q1. Which credit card is best for ₹25,000 salary?

ICICI Amazon Pay and SBI SimplyClick are great options under ₹25,000 monthly salary with low or no annual fee.

Q2. Can a salaried person apply for a credit card without income proof?

Most banks require salary slips or bank statements. However, some fintech cards may approve with alternate verification.

Q3. Which is the best lifetime free credit card in India?

IDFC FIRST Classic and ICICI Amazon Pay are among the best lifetime free cards in India for salaried employees.

Q4. Is it safe to use credit cards every month?

Yes — as long as you pay your bills in full and avoid revolving credit. In fact, regular use improves your credit score.

Q5. Can I get airport lounge access with a low-income credit card?

Yes, cards like HDFC Millennia, Axis Ace, and YES Prosperity Edge offer lounge access with minimal income requirement.

📣 Final Words

Credit cards, when used wisely, can supercharge your spending power, unlock savings, and build your credit history. But the key is to choose the right one — based on your lifestyle, not hype.

Start small. Start smart. And pick a card that gives more than it takes.

📥 Ready to apply?
Tap the links below each card and begin your credit journey the right way — only with cards that suit you.

Want to invest your credit card savings? Here’s a smart comparison.