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 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 make your credit card bill payments on time in order to avail all the benefits without any problems.