Best Credit Cards in India for a Salary of ₹30,000

Credit Cards
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Best Credit Cards in India for a Salary of ₹30,000 ( Guide)

If you earn a monthly salary of ₹30,000, you can access a variety of credit cards that offer cashback, rewards, travel benefits, and exclusive discounts. These cards are designed to suit your lifestyle and spending habits. Here’s a curated list of the top 10 credit cards for a salary of ₹30,000 in India.

1. HDFC Regalia Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹30,000+.
  • Features:
    • 4 Reward Points per ₹150 spent.
    • Complimentary airport lounge access (4 visits per quarter).
    • Discounts on dining and entertainment.
  • Rewards: Redeem points for air miles, gifts, or vouchers.
  • Application Process: Apply online via HDFC Bank’s website.

2. SBI Prime Credit Card

  • Eligibility: Minimum income of ₹30,000 per month.
  • Features:
    • 10 Reward Points per ₹100 spent on dining and groceries.
    • Complimentary lounge access (unlimited domestic).
    • 1% fuel surcharge waiver.
  • Rewards: Redeem points for air miles, gifts, or vouchers.
  • Application Process: Apply online on SBI Card’s website.

3. Axis Bank Flipkart Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹30,000+.
  • Features:
    • 5% cashback on Flipkart and 4% on partner brands.
    • 1.5% cashback on other spends.
    • No joining fee.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on Axis Bank’s website.

4. ICICI Bank Coral Credit Card

  • Eligibility: Minimum income of ₹30,000 per month.
  • Features:
    • 2 Payback Points per ₹100 spent.
    • Complimentary lounge access (2 per quarter).
    • Discounts on dining and movies.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on ICICI Bank’s website.

5. Citibank Cashback Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹30,000+.
  • Features:
    • 5% cashback on movies and dining.
    • 0.5% cashback on other spends.
    • No fuel surcharge.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on Citibank’s website.

6. Standard Chartered Platinum Rewards Credit Card

  • Eligibility: Minimum income of ₹30,000 per month.
  • Features:
    • 10 Reward Points per ₹100 spent.
    • Discounts on dining and entertainment.
    • Complimentary lounge access.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on Standard Chartered’s website.

7. Kotak Royale Signature Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹30,000+.
  • Features:
    • 4 Reward Points per ₹100 spent.
    • Complimentary lounge access (4 per year).
    • Discounts on movie tickets.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on Kotak Mahindra Bank’s website.

8. RBL Bank Edition Classic Credit Card

  • Eligibility: Minimum income of ₹30,000 per month.
  • Features:
    • 5% cashback on dining and entertainment.
    • 1% cashback on other spends.
    • No joining fee.
  • Rewards: Cashback credited to your statement.
  • Application Process: Apply online on RBL Bank’s website.

9. IndusInd Bank Legend Credit Card

  • Eligibility: Salaried individuals with a monthly income of ₹30,000+.
  • Features:
    • 2 Reward Points per ₹100 spent.
    • Complimentary lounge access (2 per quarter).
    • Discounts on dining and travel.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on IndusInd Bank’s website.

10. Yes Bank First Preferred Credit Card

  • Eligibility: Minimum income of ₹30,000 per month.
  • Features:
    • 3 Reward Points per ₹150 spent.
    • Discounts on dining and entertainment.
    • Complimentary lounge access.
  • Rewards: Redeem points for gifts, vouchers, or air miles.
  • Application Process: Apply online on Yes Bank’s website.

These credit cards are perfect for individuals who want to maximize their spending power. They offer:

  • High reward rates on dining, shopping, and travel.
  • Complimentary lounge access for frequent travelers.
  • Cashback and discounts on everyday expenses.
  • Low annual fees and easy eligibility criteria.

How to Apply for These Credit Cards?

  1. Visit the bank’s official website or mobile app.
  2. Fill out the application form with your personal and income details.
  3. Submit the required documents (ID proof, address proof, and income proof).
  4. Wait for approval, which usually takes 3-7 working days.

Choosing the right credit card depends on your spending habits and lifestyle. If you’re a frequent shopper, the Axis Bank Flipkart Credit Card is ideal. For travel enthusiasts, the HDFC Regalia Credit Card or SBI Prime Credit Card are excellent options. Evaluate your needs and pick the card that offers the best value for your money.

2

Thank you for this list. Can you also provide me with a list of credit cards best for salary of 45K?

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3

Yes
So here’s the list of best credit cards for salary of 45K-