| Overview: Salaried individuals in India seek credit cards that provide everyday convenience, travel perks, and valuable cashback. From lifestyle privileges to fuel savings, the best cards today offer tailored benefits for monthly spenders. Understanding which credit card suits your financial needs can help maximise rewards and minimise yearly costs. |
India’s Smart Spending Revolution
India’s salaried population is embracing credit cards as an essential financial tool for daily convenience and savings. From managing household expenses to earning cashback and travel rewards, credit cards now play a vital role in simplifying spending. Professionals prefer them for flexibility, security, and exclusive lifestyle privileges.
For Everyday Spends / Cashback
If your monthly expenses revolve around groceries, dining, or online shopping, these cards maximise rewards on every transaction.
HDFC Bank Millennia Credit Card
Ideal for millennials, the HDFC Bank Millennia Credit Card offers 5% cashback on popular merchants like Amazon, Swiggy, and Flipkart. Users enjoy 8 complimentary lounge visits annually and fee waivers on ₹1 lakh yearly spends. With a 1% fuel surcharge, it’s a perfect credit card for a salaried person managing monthly online expenses.
Swiggy HDFC Bank Credit Card
The Swiggy HDFC Bank Credit Card delivers 10% cashback on Swiggy orders and Instamart and 5% cashback on other online merchants. The ₹500 annual fee is waived on ₹2 lakh annual spends. It’s especially suited for urban professionals who dine out frequently and is a great value-for-money credit card for salaried persons.
| Card | Annual Fee | Cashback | Key Benefit |
| HDFC Bank Millennia Credit Card | ₹1,000 | Up to 5% | Ideal for online shopping |
| Swiggy HDFC Bank Credit Card | ₹500 | Up to 10% | Perfect for food lovers |
| Important to Know: Cashback cards often cap rewards monthly, so review spending limits before choosing. |
For Travel & Lifestyle
If you often travel for work or leisure, these cards elevate your journeys with premium perks and comfort.
HDFC Bank Regalia Gold Credit Card
A premium choice offering 12 domestic and 6 international lounge accesses, along with ₹2,500 welcome vouchers. Users earn 4 reward points for every ₹150 spent and get renewal fee waivers on ₹4 lakh annual spends. The HDFC Bank Regalia Gold Credit Card is designed for frequent travellers who value lounge comfort and shopping rewards.
Club Vistara SBI Card PRIME
Offering free premium economy tickets and 8 domestic plus 4 international lounge accesses, the Club Vistara SBI Card PRIME card rewards heavy travellers. With Club Vistara points and comprehensive insurance coverage, it stands as a top credit card for salaried persons travelling frequently for work or leisure.
| Card | Lounge Access | Bonus Reward | Fee (₹) |
| HDFC Bank Regalia Gold Credit Card | 18 per year | ₹2,500 Voucher | 2,500 |
| Club Vistara SBI Card PRIME | 12 per year | Free Flight Tickets | 2,999 |
For Specific Benefits
These cards cater to specialised spending needs, offering unique rewards on fuel, utilities, and essential lifestyle expenses.
BPCL SBI Credit Card
Tailored for daily commuters, the BPCL SBI Credit Card offers 4.25% value back on fuel and groceries, with an annual fee reversal on ₹50,000 spends. The low cost makes it an efficient credit card for a salaried person seeking fuel savings and small-ticket purchase benefits.
Airtel Axis Bank Credit Card
Backed by Airtel and Axis Bank, this co-branded credit card provides 25% cashback on Airtel services and rewards on utility bills, groceries, and food delivery. With a credit limit of up to ₹5 lakh, the Airtel Axis Bank Credit Card is suitable for individuals balancing personal and professional expenses digitally.
| Card | Ideal For | Key Feature | Fee (₹) |
| BPCL SBI Credit Card | Daily Commuters | Fuel Rewards | 499 |
| Airtel Axis Bank Credit Card | Utility & Airtel Users | 25% Cashback | 500 |
| Mistakes to Avoid: Ignoring annual fee waivers can reduce overall value. Check yearly spending criteria. |
General Eligibility and Documentation
Most banks issue credit cards to salaried individuals aged 21 to 60 years earning a minimum of ₹25,000 to ₹35,000 per month. Required documents include:
- PAN card and Aadhaar card for KYC verification
- Salary slips or Form 16 as income proof
- Bank statements (last 3–6 months) to confirm financial stability
| What You Must Know: Maintaining a CIBIL score above 700 greatly improves credit card approval chances. |
Picking the Right Credit Card for Salaried Success
Credit cards today cater precisely to salaried individuals’ spending habits, be they travel, shopping, or dining. From cashback-driven options like HDFC Millennia to lifestyle-rich choices like Regalia Gold, each card adds measurable value. Among these, the Airtel Axis Bank Credit Card stands out for offering seamless savings on essentials and digital convenience through the Airtel Thanks app. Its 25% cashback and simple eligibility make it an excellent credit card for a salaried person aiming for smart savings in 2025.
FAQs
1. Can a salaried person get a credit card?
Yes, salaried individuals can easily get a credit card based on income, employment stability, and credit score.
2. Which credit card can I get with a 25,000 salary?
With a ₹25,000 monthly income, you can get entry-level cards like HDFC MoneyBack+ or SBI SimplySAVE.
3. What are the best credit cards for salaried individuals in India?
Top choices include HDFC Millennia, SBI PRIME, and Regalia Gold for cashback, travel, and lifestyle rewards.
4. What documents are required for a salaried person’s credit card?
You need PAN, Aadhaar, salary slips, and bank statements for verification and income eligibility confirmation.
5. Do credit cards for salaried employees offer lounge access?
Yes, many premium cards like Regalia Gold and Club Vistara SBI offer complimentary domestic lounge access.
