Getting a credit card with a ₹15,000 monthly salary may sound difficult, but it’s absolutely possible. Today, many banks and NBFCs offer entry-level and low-income credit cards designed for first-time users, young professionals, and low-salary earners.
If you earn ₹15,000 per month and want to build credit history, earn rewards, and enjoy basic card benefits, this guide will help you choose the right option.
At 24hrLoan, we compare credit cards from multiple banks to help you find the best match based on your income and needs.
Can You Get a Credit Card with ₹15,000 Salary?
Yes. Several banks allow credit cards for individuals earning ₹12,000–₹15,000 per month, provided:
- You have a stable job.
- You meet the age criteria.
- You have a fair or new credit profile.
Some cards are lifetime free, while others have very low annual charges, making them ideal for beginners.
5 Best Credit Cards for ₹15,000 Monthly Salary
| Credit Card Name | Minimum Salary | Joining Fee | Annual Fee | Best For |
| ICICI Platinum Chip Card | ₹15,000 | ₹0 | ₹0 | Lifetime free starter card |
| Axis Bank Insta Easy Credit Card | ₹15,000 | ₹0 | ₹0 | Low credit score / FD-based |
| SBI SimplySAVE Credit Card | ₹15,000 | ₹499 + GST | ₹499 + GST | Shopping & daily spends |
| HDFC MoneyBack+ Credit Card | ₹15,000 | ₹500 + GST | ₹500 + GST | Cashback & rewards |
| IDFC FIRST Millennia Credit Card | ₹15,000 | ₹0 | ₹0 | Zero-fee rewards card |
1. ICICI Platinum Chip Credit Card
The ICICI Platinum Chip Card is one of the most popular lifetime free credit cards for low-income earners.
Benefits
- No joining fee & no annual fee
- Accepted globally
- EMV chip for enhanced security
- Interest-free credit period up to 45 days
Best For
- First-time credit card users
- People earning ₹15,000 salary
- Users who want a no-cost credit card
Also Read: Best ICICI Bank Credit Cards for Reward and Cashback
2. Axis Bank Insta Easy Credit Card
If you have a low or no CIBIL score, Axis Bank Insta Easy Credit Card is a great option. It is issued against a fixed deposit, making approval easier.
Benefits
- Zero joining & annual fee
- Credit limit up to 80% of the FD value
- Helps build or improve a credit score
- Instant approval in many cases
Best For
- Beginners with no credit history
- Salaried individuals with ₹15,000 income
- People facing rejection due to low CIBIL scores
3. SBI SimplySAVE Credit Card
SBI SimplySAVE is an affordable rewards card suitable for low to mid-income earners.
Benefits
- Reward points on groceries, dining & movies
- Welcome bonus reward points
- Easy acceptance across India
- Annual fee waiver on spending milestones
Fees
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
Best For
- Daily spending
- SBI customers
- Entry-level rewards seekers
4. HDFC MoneyBack+ Credit Card
HDFC MoneyBack+ is a cashback-focused credit card suitable for salaried individuals earning ₹15,000 per month.
Benefits
- Cashback on online & offline spends
- Reward points are redeemable as a statement credit
- Fuel surcharge waiver
- Trusted HDFC service network
Fees
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST (waived on spending criteria)
Best For
- Cashback lovers
- Regular online shoppers
- HDFC Bank customers
5. IDFC FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card stands out due to its zero-fee structure and strong reward program.
Benefits
- Lifetime free (no joining or annual fee)
- Higher reward rate on online spending
- Interest-free cash withdrawal up to 48 days
- Low interest rates compared to other cards
Best For
- Young professionals
- Online shopping & bill payments
- Long-term credit card users
Eligibility Criteria for ₹15,000 Salary Credit Cards
While criteria vary by bank, most require:
- Age: 21 to 60 years
- Monthly Salary: ₹15,000 or above
- Employment: Salaried (private or government)
- CIBIL Score: 730+ preferred (not mandatory for FD-based cards)
Documents Required
- PAN Card
- Aadhaar Card or Address Proof
- Salary slips (last 1–3 months)
- Bank statement
Tips to Get Fast Credit Card Approval
- Apply for lifetime free cards first.
- Maintain a stable salary account.
- Avoid multiple applications at once
- Consider FD-backed credit cards if new to credit.
Also Read: Top 5 Credit Cards for Low Credit Score
Conclusion
A ₹15,000 salary is enough to get a good credit card if you choose wisely. With low-fee and lifetime-free options available, you can easily manage expenses, earn rewards, and build your CIBIL score without financial stress.
At 24hrLoan, we help you compare credit cards from multiple banks so you can start your credit journey confidently and move towards better financial opportunities.