Best Credit Cards in India for a Salary of ₹25,000

Credit Cards
, ,
1

Best Credit Cards in India for a Salary of ₹25,000 ( Guide)

If you earn a monthly salary of ₹25,000, you can still unlock the benefits of credit cards tailored to your income bracket. These cards offer cashback, rewards, and exclusive perks without hefty fees. Here’s a detailed guide to the top 10 credit cards for a salary of ₹25,000 in India.

1. HDFC MoneyBack Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹25,000+.
  • Features:
    • Earn 2 Reward Points per ₹150 spent.
    • Welcome gift of 500 Reward Points.
  • Rewards: 1 Reward Point = ₹0.30, redeemable for cashback, gifts, or travel.
  • Application Process: Apply online via HDFC Bank’s website or visit a branch.

2. SBI SimplyCLICK Credit Card

  • Eligibility: Minimum income of ₹20,000 per month.
  • Features:
    • 10x Reward Points on online spends (Amazon, BookMyShow, etc.).
    • Free Amazon Prime membership (first year).
  • Rewards: 1 Reward Point = ₹0.25, redeemable for e-vouchers.
  • Application Process: Apply online on SBI Card’s website.

3. ICICI Bank Amazon Pay Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹25,000+.
  • Features:
    • 5% cashback on Amazon.in and 2% on other spends.
    • No joining or annual fees.
  • Rewards: Cashback credited directly to your Amazon Pay balance.
  • Application Process: Apply via Amazon.in or ICICI Bank’s website.

4. Axis Bank My Zone Credit Card

  • Eligibility: Minimum income of ₹25,000 per month.
  • Features:
    • 4 complimentary lounge accesses per year.
    • 1% cashback on all spends.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on Axis Bank’s website.

5. Kotak League Platinum Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹25,000+.
  • Features:
    • 2 Reward Points per ₹100 spent.
    • Discounts on movie tickets and dining.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on Kotak Mahindra Bank’s website.

6. Citibank Indian Oil Credit Card

  • Eligibility: Minimum income of ₹25,000 per month.
  • Features:
    • 4% savings on Indian Oil fuel purchases.
    • 1 Reward Point per ₹100 spent.
  • Rewards: Redeem points for fuel vouchers or gifts.
  • Application Process: Apply online on Citibank’s website.

7. Standard Chartered Super Value Titanium Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹25,000+.
  • Features:
    • 5% cashback on Big Bazaar, Pantaloons, and partner stores.
    • 1% cashback on other spends.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on Standard Chartered’s website.

8. Yes Bank Prosperity Rewards Plus Credit Card

  • Eligibility: Minimum income of ₹25,000 per month.
  • Features:
    • 2 Reward Points per ₹150 spent.
    • Discounts on dining and entertainment.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on Yes Bank’s website.

9. RBL Bank Shoprite Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹25,000+.
  • Features:
    • 5% cashback on online shopping.
    • 1% cashback on offline spends.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on RBL Bank’s website.

10. IndusInd Bank Platinum Credit Card

  • Eligibility: Minimum income of ₹25,000 per month.
  • Features:
    • 2 Reward Points per ₹100 spent.
    • Complimentary lounge access.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on IndusInd Bank’s website.

These credit cards are designed for individuals with moderate incomes, offering cashback, rewards, and discounts on everyday expenses like fuel, groceries, and online shopping. They also come with low fees and easy eligibility criteria, making them ideal for young professionals and beginners.