Your guide to the best credit cards for the salaried individual

Y

Earn more and afford better.

A salaried individual implies steady income, which bodes well with banks. In return, banks offer tailor-made cards for the salaried individual, packed with perks in the form of reward points, air miles, fuel surcharge waivers, and so on. So, if you have a steady income, here is a detailed guide on the top 8 credit cards in India for salaried employees. Learn about their benefits, fees and charges, and the eligibility criteria of each card.

SBI SimplySAVE Credit Card

What are the Benefits?

  • INR 100 cash back on your first ATM cash withdrawal, if done within 30 days of receiving your card
  • Accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India
  • 1% fuel surcharge at any petrol pump
  • Enjoy 10 reward points per INR 100 spent on dining, movies, departmental stores, and grocery

What is the Eligibility Criteria?

  • Age Criteria: 21 and 60
  • Income Criteria: Applicant should have a stable monthly income

HSBC Visa Platinum Credit Card

What are the Benefits?

  • Introductory benefits of up to INR 4,500
  • Air Miles conversion on Jet Airways and Singapore Airlines
  • 50% discount on Swiggy
  • Fuel surcharge waiver at any fuel pump across India for transactions between INR 400 and INR 4,000

What is the Eligibility Criteria?

  • Age Criteria: 18 to 65 years
  • Location Criteria: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune
  • Income Criteria: Minimum annual income must be INR 4,00,000 for salaried individuals

ICICI Platinum Chip Credit Card

What are the Benefits?

  • Get everyday offers on travel, dining and lifestyle
  • Get up to INR 600 Amazon Pay Balance on Amazon
  • Minimum 15% savings on dining
  • 1% fuel surcharge waiver

What is the Eligibility Criteria?

  • Age criteria: 18-60 years
  • Income criteria: Stable source of income
  • Residential Criteria: Must be a resident of India

Standard Chartered Platinum Reward Credit Card

What are the Benefits?

  • 1000 reward points on first transaction within 60 days
  • Bonus 500 points on online banking registration
  • Offers and discounts on travel, shopping, and dining

What is the Eligibility Criteria?

  • Age Criteria: 21 and 65
  • Income Criteria: Applicant should have a stable monthly income
  • Location Criteria: Applicant should belong to one of the locations of the bank (Visit this link to find out the available locations)

Axis Bank Platinum Credit Card

What are the Benefits?

  • 25% cashback on movie ticket purchases on all days of the week
  • Minimum 15% off at partner restaurants such as KFC, WOW Momo, Smokin’ Joe’s and many more
  • 1% fuel surcharge waiver on all fuel transactions in India
  • Convert any transaction over INR 2,500 to EMI

What is the Eligibility Criteria?

  • Age Criteria: 18 to 70 years; add-on cardholder should be over 15 years
  • Residential Criteria: Resident of India or Non-Resident Indian

HDFC Bank Diners Club Black Credit Card

What are the Benefits?

  • Unlimited Airport lounge access to 700+ Lounges worldwide
  • Redeem Reward Point for AirMiles across popular airlines
  • Golf Course and Dining Referral and Reservation Assistance
  • 6 Complimentary Golf games (Green fee waiver) per quarter around 20 golf courses in India and 40 golf courses world over.
  • Air Accident Cover of INR 2 Crore and travel Insurance Cover of up to INR 55,000 on baggage delay
  • Welcome Benefit of 5,000 Reward Points

What is the Eligibility Criteria?

  • Age Criteria: 21 to 60 years for salaried individuals and 21 to 65 for self-employed individuals; add-on cardholder should be over 15 years
  • Income Criteria: Net income must be over INR 1.75 Lakhs per month for salaried individuals and ITR must be over INR 21 Lakhs per year for self-employed individuals

Citi Rewards Credit Credit Card

What are the Benefits?

  • Earn 10 Reward Points for every Rs 125 spent at apparel & department stores
  • Enjoy over 3,600 offers across dining, shopping, and movies
  • Get 1,500 bonus points on your first spend made within 30 days of card issue

What is the Eligibility Criteria?

  • Residential Criteria: Only available to residents of India

American Express Platinum Travel Credit Card

What are the Benefits?

  • Spend INR 1.90 lakhs in a year and get travel vouchers worth up to INR 7,700
  • Spend INR 4 lakhs in a year and additionally get travel vouchers worth up to INR 11,800, and a voucher worth INR 10,000 from the Taj Group
  • Flexibility to redeem your Membership Rewards points from over 600 redemption options

What is the Eligibility Criteria?

  • Age Criteria: 18 years and above
  • Income Criteria: INR 6 Lakhs and above (in case of self-employed or salaried)
  • Credit Card Owner Criteria: Existing Credit Card member of any bank
  • Residential Criteria: Must be a resident of India
  • Location Criteria: Ahmedabad, Bangalore, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore, Delhi/NCR, Ernakulam, Goa, Guntur, Hyderabad, Indore, Jaipur, Kanchipuram, Kolkata, Mumbai, Pune, Surat, Vadodara, Vijayawada, and Vizag

Whatever card you choose, make sure that you pay your bills on time in order to avail all the benefits without any problems.

about CRED

CRED is a members-only platform that rewards the creditworthy individuals of India with exclusive experiences, rewards and upgrades.

follow us on