Credit Card for Salaried Person in India – Best Options in 2025
In India, salaried professionals often look for smart financial tools to manage their expenses, earn rewards, and build a strong credit history. A credit card for salaried person is not just a way to pay bills — it’s a gateway to exclusive benefits like cashback, reward points, travel perks, and zero-cost EMIs.
This article will help you discover the best credit cards for salaried employees in India, their features, eligibility, and how to choose the right one based on your salary and spending habits.
Why Should a Salaried Person Use a Credit Card?
Here’s how a salaried person can benefit from using a credit card:
- Earn rewards or cashback on daily purchases
- Build a good credit score for future loans
- Convert large spends into EMIs
- Enjoy interest-free credit period of up to 50 days
- Avail travel, fuel, and dining benefits
If used wisely, a credit card becomes an excellent financial companion.
Top 7 Best Credit Cards for Salaried Person in India (2025)
Here are the top credit card options available for salaried professionals based on income, features, and benefits:
1. Axis Bank ACE Credit Card
Monthly Income Requirement: ₹20,000+
Annual Fee: ₹499 (waived on ₹2L spend)
Best For: Cashback Lovers
Key Benefits:
- 5% cashback on Google Pay utility bill payments
- 2% flat cashback on all other spends
- Fuel surcharge waiver
- Contactless payments
Why it’s ideal:
Flat cashback and low annual fee make it one of the best credit cards for salaried employees in India.
2. Amazon Pay ICICI Credit Card
Monthly Income Requirement: ₹15,000+
Annual Fee: Zero (Lifetime Free)
Best For: Online Shoppers
Key Benefits:
- 5% cashback for Amazon Prime members
- No expiry on rewards
- Direct reward credit to Amazon Pay balance
- No joining or annual fees
Why it’s great:
Perfect for salaried people who shop frequently on Amazon and want a lifetime free credit card.
3. HDFC MoneyBack Credit Card
Monthly Income Requirement: ₹25,000+
Annual Fee: ₹500 (waived on ₹50,000 annual spend)
Best For: Beginners
Key Benefits:
- 2 reward points on every ₹150 spent
- 2x points on online spends
- Gift vouchers and exclusive deals
- Fuel surcharge waiver
Why it fits well:
A popular entry-level card with good reward value for everyday usage.
4. Flipkart Axis Bank Credit Card
Monthly Income Requirement: ₹20,000+
Annual Fee: ₹500
Best For: Flipkart and Partner Brands
Key Benefits:
- 5% cashback on Flipkart, Myntra
- 4% cashback on Swiggy, Uber, PVR
- Lounge access
- Fuel surcharge waiver
Why it’s great:
Gives excellent value for salaried individuals who spend mostly online.
5. SBI SimplyCLICK Credit Card
Monthly Income Requirement: ₹20,000+
Annual Fee: ₹499
Best For: Online Shoppers
Key Benefits:
- 10X rewards on Amazon, BookMyShow, Cleartrip, and more
- Milestone rewards on ₹1L and ₹2L annual spend
- Annual fee waiver on ₹1L spend
- Accepted widely
Why choose this card:
Focused rewards for online transactions, perfect for tech-savvy salaried professionals.
6. IDFC FIRST Millennia Credit Card
Monthly Income Requirement: ₹25,000+
Annual Fee: Zero
Best For: Lifestyle Benefits
Key Benefits:
- 10X rewards on online spends
- 4 complimentary railway lounge visits/year
- Interest-free cash withdrawal for 48 days
- Fuel surcharge waiver
Why it stands out:
Lifetime free and full of premium features, ideal for mid-level salaried professionals.
7. Kotak Mojo Platinum Credit Card
Monthly Income Requirement: ₹25,000–₹30,000+
Annual Fee: ₹1,000
Best For: Reward Points & Travel
Key Benefits:
- 2.5 Mojo points on online spends
- 1 Mojo point = ₹0.25
- Convert points to travel vouchers, gift cards
- Airport lounge access
Why go for it:
Reward system works great for professionals who travel and spend online frequently.
How to Choose the Best Credit Card for a Salaried Person?
Here are the factors every salaried employee should consider before applying:
1. Income Eligibility
Check if your monthly salary matches the bank’s requirements.
2. Annual Fee vs. Benefits
Low annual fee or lifetime free credit card options are best for budget-conscious professionals.
3. Reward vs Cashback
Prefer cashback if you want instant savings; go for rewards if you like collecting and redeeming points.
4. Usage Category
Choose a card that matches your lifestyle – online shopping, groceries, dining, or travel.
5. Credit Limit
Higher income can get you a higher credit limit — choose accordingly.
Documents Required for Salaried Credit Card Application
To apply for a credit card for salaried person, you’ll need:
- PAN Card
- Aadhaar Card
- Latest Salary Slip (last 3 months) or bank statement
- Passport-size photo
- Form 16 or Income Tax Returns (optional for premium cards)
How to Apply for a Credit Card as a Salaried Employee?
✅ Step-by-Step Online Process:
- Visit the bank’s official website or credit card comparison site.
- Choose a credit card that suits your salary and usage.
- Click on “Apply Now.”
- Fill in your personal and employment details.
- Upload documents (KYC and income proof).
- Submit the application and wait for verification.
👉 Approval can take 2–5 working days, depending on the bank.
Tips to Use Your Credit Card Wisely
- Always pay your total due amount before the due date.
- Avoid withdrawing cash from ATMs unless urgent.
- Don’t exhaust your full credit limit — stay below 30% utilization.
- Track your spending and use rewards or cashback strategically.
- Set auto-pay to avoid late payment penalties.
Final Thoughts
Choosing the right credit card for salaried person in India depends on your income, lifestyle, and how you prefer to spend. Whether you’re just starting your career or are a mid-level professional, there’s a card tailored for your needs.
