Lists
Credit cards for a ₹50,000 monthly salary
55 credit cards whose banks ask a salaried applicant for ₹50,000 a month or less, lowest first, each in the bank's own words.
Updated 19 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.
IndianOil HDFC Bank Credit Card
HDFC Bank
Salaried: Net Monthly Income: > ₹12,000; Self-Employed: Annual Income: ITR > ₹6 lakh per annum
Annual fee ₹500
IRCTC HDFC Bank Credit Card
HDFC Bank
Salaried: Income (Monthly) - ₹12,000; Self-employed: Annual ITR > ₹6 lakh
Annual fee ₹500 + GST
PIXEL Go Credit Card
HDFC Bank
Salaried: Income (Monthly) - ₹12,000; Self-Employed: Annual ITR > ₹6,00,000
Annual fee ₹250 + GST
Swiggy HDFC Bank Credit Card
HDFC Bank
Salaried: Income (Monthly) - ₹15,000 and above
Annual fee Renewal fee ₹500 plus applicable taxes
Adani One ICICI Bank Platinum Credit Card
ICICI Bank
Salaried: monthly income of ₹20,000; Self-employed: annual income of ₹2,40,000
Annual fee ₹750 + GST
Alumni Credit Card
ICICI Bank
Salaried: monthly income of ₹20,000; Self-employed: annual income of ₹2,40,000
Annual fee ₹0
ICICI Bank HPCL Coral Credit Card
ICICI Bank
Salaried: monthly income of ₹20,000; Self-employed: annual income of ₹2,40,000
Annual fee ₹199 + GST
ICICI Bank HPCL Super Saver Credit Card
ICICI Bank
A salaried individual with a monthly income of ₹20,000; Self-employed with an annual income of at least ₹2,40,000
Annual fee ₹500 + GST
MakeMyTrip ICICI Bank Credit Card
ICICI Bank
A salaried individual with a monthly income of ₹20,000; Self-employed with an annual income of at least ₹2,40,000
Annual fee ₹999 + GST
MakeMyTrip ICICI Bank Platinum Credit Card
ICICI Bank
A salaried individual with a monthly income of ₹20,000
Annual fee ₹0
PNB Zaggle Co-Branded Twin Credit Card
Punjab National Bank
Income criteria Rs. 2,50,000 per annum
Annual fee ₹499
Unity Bank BharatPe Credit Card
Unity Small Finance Bank
For Salaried: Minimum INR 2.5 Lakhs per annum; For Self Employed: Minimum INR 5 Lakhs per annum
Annual fee ₹0
CMA One
BOBCARD
Salaried: ₹3 lakhs net annual income or above · Self-employed: ₹3 lakhs annual ITR or above
Annual fee ₹0
ICAI Exclusive BOBCARD
BOBCARD
Salaried: ₹3 lakhs net annual income or above · Self-employed: ₹3 lakhs annual ITR or above
Annual fee ₹0
Paytm Credit Card
HDFC Bank
Salaried: Net Monthly Income > ₹25,000; Self-Employed: Annual ITR > ₹6 lakh
Annual fee ₹500 + GST
Paytm Digital Credit Card
HDFC Bank
Salaried: Income (monthly) - ₹25,000; Self-Employed: Annual ITR > ₹6,00,000
Annual fee ₹149 + GST
PNB SALARY RuPay Platinum Card
Punjab National Bank
Minimum gross monthly income greater than Rs. 25,000
Annual fee ₹0
ACE Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above
Annual fee ₹499
BYOC Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above
EMI Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above
Annual fee ₹499 + GST
FinBooster Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 L
Annual fee ₹0
UNI Credit Card
YES Bank
Minimum net salary Rs. 25,000 per month or Income Tax Return of Rs. 7.5 lakhs and above
Annual fee ₹499 + GST
YES BANK novio Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or Income Tax Return of INR 7.5 lakhs and above
Annual fee ₹0
YES BANK Paisabazaar PaisaSave Credit Card
YES Bank
Minimum net salary of INR 25,000 per month or income tax return of INR 7.5 lakhs and above
Annual fee ₹499 + GST
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Salaried: monthly income of at least ₹30,000; Self-employed: monthly income of at least ₹30,000
Annual fee ₹0
HDFC Bank Millennia Credit Card
HDFC Bank
Salaried: Net Monthly Income > ₹35,000; Self Employed: ITR > ₹6 Lakh per annum
Annual fee ₹1,000 + GST
American Express Membership Rewards Credit Card
American Express
Employed and have a Personal Annual Income of INR 4.5 lakhs and above
Annual fee ₹4,500 + GST
American Express SmartEarn Credit Card
American Express
Employed with Personal Annual Income of INR 4.5 lakhs and above or Self Employed with Personal Annual Income of INR 6 lakhs and above
Annual fee ₹495 + GST
PNB Patanjali Rupay Select Card
Punjab National Bank
Annual income of Rs. 5.00 Lacs p.a.
Annual fee ₹750
American Express Gold Card
American Express
Personal Annual Income of INR 6 Lakhs and above
Annual fee ₹4,500 + GST
American Express Platinum Reserve Credit Card
American Express
Personal annual income of Rs. 6 Lacs and above (for both Salaried, Self Employed)
Annual fee ₹10,000 + GST
Axis Bank Select Credit Card
Axis Bank
Net income should be a minimum of ₹6 lakhs per annum
Annual fee ₹3,000
IndiGo Axis Bank Premium Credit Card
Axis Bank
Net income should be a minimum of ₹6 lakhs p.a.
Annual fee ₹5,000
HSBC Visa Platinum Credit Card
HSBC India
Minimum income of INR600,000 per year for salaried individuals or INR12,00,000 per year for self-employed individuals
Annual fee ₹0
Live+ Card
HSBC India
Minimum income of INR600,000 per year for salaried individuals or INR12,00,000 per year for self-employed individuals
Annual fee ₹999
RuPay Cashback Card
HSBC India
Minimum income of INR600,000 per year for salaried individuals or INR12,00,000 per year for self-employed individuals
Annual fee ₹499
RuPay Platinum Card
HSBC India
Minimum income of INR600,000 per year for salaried individuals or INR12,00,000 per year for self-employed individuals
Annual fee ₹0
TravelOne Credit Card
HSBC India
Minimum income of INR600,000 per year for salaried individuals or INR12,00,000 per year for self-employed individuals
Annual fee Afterwards, the annual fee is INR4,999, or free if you spend more than INR 800,000 a year.
DigiSmart Credit Card
Standard Chartered India
Minimum monthly income of INR 50,000 is required
Annual fee ₹49
SELECT Credit Card
YES Bank
Minimum net salary of INR 50,000 per month or Income Tax Return of INR 7.5 Lakhs and above
Annual fee ₹599 + GST
YES Prosperity Edge Credit Card
YES Bank
Minimum net salary of Rs. 50,000/month or Income Tax returns of Rs. 7.5 lakh+
Annual fee ₹399 + GST
