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.
Best for: Online shopping & cashback lovers
Minimum salary: ₹25,000/month
Key Features:
💳 Annual Fee: ₹1,000 (waived on ₹1L spend)
🔗 Apply Now – HDFC Bank
Best for: First-time salaried users
Minimum salary: ₹20,000/month
Key Features:
💳 Annual Fee: ₹499 (waived on ₹1L spend)
🔗 Apply Now – SBI Cards
Best for: Flat cashback on everything
Minimum salary: ₹35,000/month
Key Features:
💳 Annual Fee: ₹499 (waived on ₹2L spend)
🔗 Apply Now – Axis Bank
Best for: Amazon Prime users
Minimum salary: ₹25,000/month
Key Features:
💳 Annual Fee: ₹0
🔗 Apply Now – ICICI Bank
Best for: High reward point seekers
Minimum salary: ₹40,000/month
Key Features:
💳 Annual Fee: ₹399 (waived on ₹75K spend)
🔗 Apply Now – YES Bank
Best for: No fee + unlimited cashback
Minimum salary: ₹25,000/month
Key Features:
💳 Annual Fee: ₹0
🔗 Apply Now – IDFC FIRST Bank
Best for: Customisable rewards & offers
Minimum salary: ₹30,000/month
Key Features:
💳 Annual Fee: ₹499
🔗 Apply Now – AU Bank
| Card Name | Salary Needed | Best For | Annual Fee | Cashback/Rewards |
|---|---|---|---|---|
| HDFC Millennia | ₹25K | Online Shopping | ₹1,000 | Up to 5% |
| SBI SimplyClick | ₹20K | Beginners | ₹499 | 10X rewards |
| Axis Ace | ₹35K | Flat Cashback | ₹499 | 2–5% |
| ICICI Amazon Pay | ₹25K | Amazon Users | ₹0 | 1–5% |
| YES Prosperity Edge | ₹40K | Rewards & Lounge | ₹399 | 4 points/₹100 |
| IDFC FIRST Classic | ₹25K | No Fee + Cashback | ₹0 | 0.75–2% |
| AU LIT Card | ₹30K | Customisable Rewards | ₹499 | User choice |
👉 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
ICICI Amazon Pay and SBI SimplyClick are great options under ₹25,000 monthly salary with low or no annual fee.
Most banks require salary slips or bank statements. However, some fintech cards may approve with alternate verification.
IDFC FIRST Classic and ICICI Amazon Pay are among the best lifetime free cards in India for salaried employees.
Yes — as long as you pay your bills in full and avoid revolving credit. In fact, regular use improves your credit score.
Yes, cards like HDFC Millennia, Axis Ace, and YES Prosperity Edge offer lounge access with minimal income requirement.
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.
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