If you are a salaried employee, a credit card can be more than just a payment tool. The right credit card helps you save money, earn rewards, get discounts, and build a strong credit score. From shopping and dining to travel and fuel, there are many credit cards designed specially for salaried individuals in India.
Compare credit cards from multiple banks on 24hrLoan to find one matching your salary, spending, and lifestyle.
Why Salaried Individuals Should Have a Credit Card
A credit card is useful because it:
- Helps manage monthly expenses
- Offers reward points & cashback
- Provides an interest-free credit period
- Improves CIBIL score when used responsibly
- Gives access to lounge, dining & shopping offers
Even with a moderate salary, you can find low-fee or lifetime free credit cards with good benefits. For instance, on a ₹35,000 salary, Riya saved ₹1,200 last month by using her credit card for groceries and dining out at partner restaurants. This example highlights how the right card can lead to significant savings for salaried individuals.
Best Credit Cards for Salaried Individuals in India
Here are popular, high-value credit cards for salaried employees.
1. HDFC Bank MoneyBack+ Credit Card
A beginner-friendly card with low fees and everyday rewards.
Best for: Shopping, utility bills, first-time users
Benefits:
- Reward points on all spends
- Easy reward redemption
- Annual fee waiver on spending milestone
2. Axis Bank My Zone Credit Card
A lifestyle credit card for young salaried professionals.
Best for: Dining, movies, lounge access
Benefits:
- Domestic airport lounge access
- Dining discounts
- Entertainment offers
3. ICICI Bank Platinum Credit Card
A simple and lifetime free credit card for salaried users.
Best for: No-fee usage, steady rewards
Benefits:
- No joining or annual fee
- Reward points on retail spends
- Wide acceptance
4. SBI SimplySAVE Credit Card
A popular SBI card for everyday savings.
Best for: Groceries, dining, departmental stores
Benefits:
- Accelerated reward points
- Low annual charges
- Fee waiver on annual spending
5. IDFC FIRST Select Credit Card
A premium-style card with zero fees.
Best for: Travel & lifestyle benefits
Benefits:
- Lifetime free card
- Airport lounge access
- High reward value
6. Amazon Pay ICICI Credit Card
Perfect for salaried individuals who shop online frequently.
Best for: Online shopping & bill payments
Benefits:
- Cashback on Amazon spends
- Lifetime free
- Easy cashback credit
Also Read: Apply for SBI Credit Card: 10X Reward Points
7. OneCard Credit Card
A modern metal credit card is popular among salaried professionals.
Best for: App-based control & lifestyle spends
Benefits:
- Lifetime free
- Offers on travel, dining & shopping
- Smart mobile app experience
Credit Card Comparison Table
| Credit Card Name | Joining Fee | Annual Fee | Best For |
| HDFC MoneyBack+ | ₹500 | ₹500 | Daily shopping |
| Axis My Zone | ₹500 | ₹500 | Lifestyle & dining |
| ICICI Platinum | ₹0 | ₹0 | Lifetime free use |
| SBI SimplySAVE | ₹499 | ₹499 | Everyday savings |
| IDFC FIRST Select | ₹0 | ₹0 | Travel & lounge |
| Amazon Pay ICICI | ₹0 | ₹0 | Online shopping |
| OneCard | ₹0 | ₹0 | App-based control |
Note: Many cards offer an annual fee waiver on meeting yearly spending conditions.
Eligibility for Salaried Credit Cards
Most banks require:
- Age: 21 to 60 years
- Employment: Salaried (private or government)
- Monthly Salary: ₹15,000 or above (varies by card)
- CIBIL Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slips
How to Choose the Right Credit Card as a Salaried Person
Before applying, ask yourself:
- Do I want rewards or cashback?
- How much annual fee am I comfortable with?
- Do I travel frequently?
- Is a lifetime free card better for me?
If your spending is moderate, lifetime free cards are best. If you spend more, low-fee reward cards give better value.
Why Apply for Credit Cards Through 24hrLoan?
- Compare cards from multiple banks.
- Check eligibility instantly
- Avoid high-fee cards
- Simple online application
- Trusted partner platform
With 24hrLoan, you don’t need to visit different bank websites—everything is available in one place.
Also Read: 5 Best Credit Cards for Daily Use in India
Conclusion
Choosing the best credit card for salaried individuals in India depends on your income, spending style, and financial goals. Whether you want a lifetime free card, a reward-based card, or a lifestyle card, there is an option for everyone.
With 24hrLoan, you can compare, apply, and select the right credit card easily—saving both money and time.