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Which Credit Card is best for low income people?

Credit cards not only provide you with a line of credit to make purchases, pay bills, and obtain cash advances, but they also assist you in building a credit history, earning rewards and cashback points, and improving your credit score.

A low-income credit card is one that is specifically created for those who earn less than ₹25,000 per year. Credit card limits are often lower than those of other cards. Depending on your payment history, income, and credit score, this limit may be increased.

To apply for a Low Salary Credit Card, you’ll need the following documents:

  • Evidence Of Identity.
  • Evidence Of Address.
  • Income evidence might include your most recent tax returns and pay stubs (for salaried applicants).

Even though the credit limit is modest, there are a few low-income credit cards that may still provide a lot of value in terms of rewards and bonuses. In no particular order, here are the top 3 low-income credit cards:


SBI SimplySAVE Credit Card provides discounts on a variety of purchases and transactions that we make on a daily basis. The credit card offers additional practical incentives that assist users to save while using the credit card, such as expedited reward points, spend-based rewards, and a waiver of the renewal charge.

Benefits :

  • ₹100 cashback 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 ₹100 spent on dining, movies, departmental stores and grocery

Eligibility Criteria :

  • Age Criteria: 21 and 60 years
  • Income Criteria: The candidate must have a steady monthly income.

The ICICI Bank Platinum Credit Card was created with the best interests of the client in mind. This card has excellent interest rates. Other benefits include a waiver on gasoline surcharges, PAYBACK points, and more.


  • everyday offers on travel, dining and lifestyle
  • up to ₹600 amazon pay balance on Amazon
  • minimum 15% savings on dining
  • 1% fuel surcharge waiver

Eligibility Criteria

  • Age Criteria: 18-60 years
  • Income Criteria: stable source of income
  • Residential Criteria: must be a resident of India

Every time you swipe your YES Bank Prosperity Plus credit card, you’ll earn points. This card gives fantastic discounts on meals, movies, and retail purchases.


  • Within the first 30 days after card issuance, spend $5,000 and get 1250 welcome reward points.
  • 12,000 additional reward points will be awarded if you spend $360,000 or more in a single year.
  • The renewal membership charge of 350 can be waived if you spend a minimum of 25,000 in the 12 months leading up to the renewal date.

Eligibility Criteria

  • Age Criteria: 21 to 60 years old
  • Criterion for employment: salaried or self-employed
  • Income requirements: minimum net salary of ₹25,000 per month or income tax return of ₹5 lakhs and above

The HDFC MoneyBack credit card is one of India’s most popular entry-level credit cards. The card gives you 2X reward points when you purchase online and 2 reward points for every dollar you spend in stores. In comparison to the annual cost, the perks are fairly excellent.


  • exciting gifts and air miles from an exclusive rewards catalogue
  • 100% more reward points on all your online spends
  • 1% fuel surcharge waived off on fuel transactions

Eligibility Criteria

  • Age Criteria: 21 to 60 years for a salaried individual and 21-65 for a self-employed individual

The HDFC Bank Bharat credit card is intended specifically for cashback junkies. Cashback is available on petrol, groceries, airline tickets, cell phone recharges, and other bill payments with this credit card. It also comes with surcharge waivers, no liability for missing cards, and other intriguing features, making it an excellent investment.


  • 5% cashback on fuel spends, grocery spends, easy EMI, Payzapp and bookings through IRCTC
  • 1% fuel surcharge waived off on fuel transactions

Eligibility Criteria

  • Age Criteria: 21 to 60 years for salaried individuals and 21-65 for self-employed individuals
  • Income Criteria: minimum net salary of ₹12,000 per month or income tax return of ₹2 lakhs and above

Checking the minimum income requirement is one of the most important things to do before applying for a best credit cards in India. Your application will be denied if you do not satisfy the minimum income criteria. Every credit card has its own set of minimum income requirements. Credit cards with basic features often have lower income requirements, whereas premium cards require applicants to have a greater income.



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