Best Credit Cards for Low Income (₹10K–₹25K Salary)

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SBI SimplyCLICK Credit Card

[{"selector":"#anim-d0b7bec3-b8f8-4d6c-b0bb-8eaf33b9337c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(3.3999991326577472%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c7839dde-749b-49b3-82d7-63c8d79c7c8c","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-03fe8609-0801-4d21-a923-05047445709d","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-414473aa-e584-4c6c-8fb0-766cc974a03a","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b64a2c52-8d49-4fd0-bc10-9b5385fb1a1a","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Designed for online shoppers, this card requires a ₹20,000 monthly income. For a ₹499 annual fee (waived on ₹1L spend), you get a ₹500 Amazon voucher, 10X rewards on Amazon and BookMyShow, plus a 1% fuel surcharge waiver. Ideal for frequent online buyers.

HDFC MoneyBack Credit Card

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HDFC Bharat Cashback Card

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Axis Bank ACE Credit Card

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YES Prosperity Rewards Plus Card

[{"selector":"#anim-7cc17595-22bd-4720-b5cc-7e3c24d292f3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-d85bc063-7c4f-45b3-85c9-701578867b26","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-6e8d966e-b69e-4286-badb-3c0abc6457e8","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-6d315ebe-c035-4725-98eb-a486ced99a07","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-26693e4f-90cd-4c0c-99ab-7d50ad563151","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] With a ₹18,000 salary requirement, this ₹499 card gives 6 points/₹200 on groceries, 4 points on other spends, and 12,000 bonus points on ₹3.6L annual spend. Best suited for reward-focused buyers.

Tips Before You Apply

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Learn More Rewardyourcard.com

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