Today, many people look for easily and accessible thing’s. Thus, credit card hits the particular list. It tends to offer convenience to individuals so that they can easily balance their expenses. Even if you are in need of urgent money, the credit card is available for your assistance.
One can easily apply for a credit card offline or online and avail the perks of the card. One will only need an Aadhar Card, income proof, address proof and a photograph to apply for the same. Credit cards acts as a support system at the times of need.
10 Best Credit Cards For Salaried Individuals
You might wonder which is the best credit card that you should apply for or which credit card will fit you right as per your preferences. You need not worry because we have got your back. So, if your are someone who has a good income or salary and is looking for a credit card to avail it’s benefits then we have got you covered. Below is a list of 10 best credit cards for salaried individuals-
HDFC Bank Diners Club Black Card
Annual Fee: Rs 10000+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Annual Fee can be waivered off if you spend more than Rs 5 lakhs.
- Reward points for spending on dining, travel, etc.
- Unlimited lounge access.
- Access to golf courses and gold lessons.
HSBC Visa Platinum Credit Card
Annual Fee: Rs 0 (Rs 1000+ GST from second year.)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- The Annual Fee for the second year can be wavered off If you spend Rs 1.5 lakhs or more.
- Earn reward points on every domestic transmission.
- Offers insurance coverage.
- Unlimited airport lounge access.
Axis Bank Insta Easy Credit Card
Annual Fee: No Annual Fee (lifetime)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Can convert purchases into EMI’s.
- Easy application process.
- Simple to access for first time users.
- Card Tap for instant and contactless payments.
ICICI Amazon Pay Credit Card
Annual Fee: No Annual Fee (lifetime)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Instant Discounts on Amazon Orders.
- Good percentage of Cash banks on every purchase.
- No purchase amount limit to avail cashback offer.
- Card Tap for instant and contactless payments.
SBI Simply Save Credit Card
Annual Fee: Rs.499+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Reward points on everyday expenses.
- Higher amount purchases can be converted into EMI.
- Card tap for instant and contactless payment.
- Offers cashback on selected categories.
- Welcome gift worth 2,000 reward points.
American Express Membership Reward Credit Card
Annual Fee: Rs. 4500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome gift worth 4,000 reward points.
- Exclusive discounts and offers on selected brand’s.
- Access to airport lounge.
- Card can be accessed globally.
Axis Bank Platinum Credit Card
Annual Fee: Rs. 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome gift worth 1,000 reward points.
- Various discount and offers while shopping and dining.
- The card is accepted globally.
- Card tap for instant and contactless payments.
IndianOil Citi Platinum Credit Card
Annual Fee: Rs. 500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Various discounts and offers at selected restaurants.
- Offers 1% cashback on fuel purchases.
- High amount purchases can be converted into EMI.
- Card tap for instant and contactless payment.
HDFC Bank Regalia Credit Card
Annual Fee: Rs. 2,500+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Airport lounge access at selected places.
- Card tap for instant and contactless payment.
- Offers insurance coverage.
- Special discounts at selected restaurants.
Standard Chartered Platinum Rewards Card
Annual Fee: Rs. 999+ GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome gift worth 2,500 reward points.
- Exclusive discounts on online shopping.
- The credit card has global acceptance.
- High amount purchases can be converted into EMI.
- Card tap for instant and contactless payment.
HDFC Bank Diners Club Black Card Overview
HDFC Bank Diners Club Black Card is the best Credit Card for salaried employees in India. As the Annual Fee is more, the Card offers great benefits as well. So if you are a salaried individual, frequently travel a lot and over prefer a premium lifestyle that one can go for this particular credit card. So, if you have a good income then only you can make good use of the Card and claim all the benefits and rewards while having a luxurious experience.
HSBC Visa Platinum Credit Card Overview
HSBC Visa Platinum Credit Card is made for individuals looking for a good lifestyle in all ascpets of their life including shopping, dining and many others. If you are a frequent traveller then this is a good credit card for you as it offers good reward points with the expenses. It makes easier for salaried people to enjoy all the perks of the Credit card and also learn a lot more about them.
Axis Bank Insta Easy Credit Card Overview
This Axis Credit Card is true to its name. The card is best for first time Credit card users as it does not have any fees and is simple to use. Even the application of the process is effortless. One can get reward points on everyday expenses and good discounts on selected brands.
ICICI Amazon Pay Credit Card Overview
The Amazon Pay ICICI Credit Card is introduced by the ICICI Bank in partnership with Amazon. This credit card is for the one who love to shop from amazon and are constantly looking for some cash back or discounts. As the card is free of charge, it attracts many members of amazon prime as well as non prime To get this ICICI credit card so that they can enjoy amazon shopping and receive some great cashbacks for the same.
SBI Simply Save Credit Card Overview
It is a very simple credit card that is suitable for first time users, this is what makes it a perfect card for salaried individuals. One can benefit from the credit card by obtaining some great rewards even in everyday expenses like food, groceries and many others. If you are someone who is conscious about their expenses and looking for a easy accessible credit card, then this one is your pick.
American Express Membership Reward Credit Card Overview
There are many people who love to travel, stay at luxurious resorts and try the local cuisine. If you believe that you are the one then American Express Membership Reward Credit Card should be your first choice. One can also earn reward points and experience a good lifestyle at the same time.
Axis Bank Platinum Credit Card Overview
This credit card gives a good balance to your rewards, perks and comfort. Axis Bank Platinum Credit Card is ideal for the once who are looking for a cost effective way to handle their expenses. You can get some great discounts while shopping and aslo get reward points on every transaction or purchases.
IndianOil Citi Platinum Credit Card Overview
This credit card is made for the convenience of vehicle owners. If you feel that your cost has increased and spent on fuel then with the help of this credit card you can easily avail some rewards against the purchases. Along with all this, the credit card is also ideal for everyday expenses.
HDFC Bank Regalia Credit Card Overview
HDFC Bank Regalia Credit Card is considered as a premium credit card because it offers many privileges. If you are someone who enjoys luxury stays, travelling and seek a good lifestyle then this credit card should be your first choice. Along with a premium experience, one is also up for great rewards and discounts on luxurious brands.
Standard Chartered Platinum Rewards Card Overview
As the name suggests, this card offers exclusive rewards on every transaction. It is ideal for salaried individuals who look for a credit card for their everyday expenses may it be groceries, food or any other. The card is easy to operate and is made very budget friendly in nature. Thus one can benefit from the credit card in various categories like e-commerce, entertainment, and many others.
Conclusion
Thus we have come across various top 10 credit cards in India where each one is unique and different in its own way. Some are the best credit cards in India with no annual fee that can help salaried individuals. One should choose a credit card as per their needs and preferences. One should know the purpose behind having a credit card, may it be for receiving discount on luxurious brands, getting exclusive offers while shopping or for getting reward points in return of everyday purchases.
FAQs
Can a salaried person have a credit card?
Yes, a salaried person can apply for a credit card.
Can I have 2 credit cards?
Yes, one can easily apply for 2 credit cards.
Which credit card is better Axis or HDFC?
Both the private banks offer good services. One should choose a credit card as per their preferences.
Will I be charged if I don’t use the credit card?
This depends on the issuer bank of the credit card.