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    Credit Card for ₹5000 Salary

    Get a credit card no matter what your salary may be. Simply apply for a credit card after reading all the terms and conditions and you will get one in no time. Your salary is no longer a hindrance when it comes to getting the best features out of a credit card. Unlock a world of benefits with any credit card, no matter your salary.

    Apply Now

    Credit Card EMI Calculator

    Easily calculate your monthly EMIs for credit card purchases with Airtel Finance.  Enter the amount, tenure, and interest rate to get instant estimates.

    Purchase Amount ₹10,000
    ₹10,000
    ₹1K₹2L
    Interest Rate 13%
    13%
    5%36%
    Tenure 12 Months
    12 Months
    3M36M
    Unlock Your Credit Card Now

    How to Apply for a Credit Card?

    Applying for a credit card is easy. Follow the steps below:

    Get Airtel App

    Download the app and go to Shop section

    Tap Airtel Finance

    Click on the credit card banner

    Select Apply Now

    Now fill up the complete application form

    Complete digital KYC

    The card will be delivered to you very soon

    Apply Now

    Credit Card Eligibility

    Fulfill these eligibility criteria to get the Credit Card!

    Resident status

    Individual should be a Resident of India

    Age Limit

    Age of the primary cardholder should range between 18 and 70 years.

    Documents Required

    PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

    FAQs - Credit Card for ₹5000 Salary

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    Best Low-Income Credit Cards for ₹5000 Salary or Below

    There are no credit cards you can directly apply for a salary of 5000 or below. but with this salary range, you can apply for credit cards without income proof.

    Simply apply for a secured credit card and enjoy all the benefits of any regular credit card. Here are some of the best-secured credit cards:
























    Card Name Features Benefits
    SBI Advantage Plus Credit limit up to 85% of FD amount

    Extended credit with 2.25% interest

    Cash withdrawal up to 100% of credit limit

    ‘Easy Money’ facility

    Credit transfer from other cards

    Encash facility    		 Use at 1 million+ Visa/MasterCard ATMs globally

    Convert transactions to EMIs

    Interest on FD after 555 days

    Supplementary card benefits
    Axis Insta Easy Withdraw up to 100% of credit limit

    Credit limit up to 80% of FD

    1% fuel surcharge waiver    		 15% discount on dining

    Platinum chip

    Convert transactions over Rs.2,500 to EMIs
    SBI ELITE Use at 24 million+ outlets worldwide

    Save up to 1% on fuel

    Add-on cards for family

    Global card replacement

    Fraud liability cover of Rs.1 lakh    		 Welcome gift voucher of Rs.5,000

    5x reward points on groceries, dining, departmental stores

    2 reward points per Rs.100 spent

    Complimentary movie tickets worth Rs.6,000/year

    Access to 2 domestic and 6 international airport lounges

    50,000 bonus points worth Rs.12,500/year

    10,000 bonus points for Rs.3 lakh or Rs.4 lakh spend/year


    Pros and Cons of having a credit card for ₹5000 Salary or Below 


    Here are the various pros and cons of having a credit card with a salary of ₹5,000:

    Pros:



    • Responsible use of a credit card can help you build or improve your credit score.

    • Credit cards offer convenience for purchases, especially online and during emergencies.

    • Some credit cards offer cashback, discounts, or reward points that can save you money.

    • A credit card can provide a financial cushion in case of unexpected expenses.


    Cons:



    • With a low salary, it’s easy to accumulate debt if you can’t pay off your credit card balance in full each month.

    • If you carry a balance, the high interest rates can lead to significant debt quickly.

    • Annual fees, late payment fees, and other charges can add up and strain your budget.

    • Missed payments or high credit utilization can negatively impact your credit score.

    • With a low salary, your credit limit might be low, restricting your spending power.


    How to decide which credit card you should take for a salary of ₹5000 or below


    Not sure if you should get a credit card with a lower salary? Here’s what you should think about:

    • Look for a card with no annual fee to avoid additional costs.



    • Choose a card with the lowest possible interest rate to minimize the cost of carrying a balance.



    • Select a card that offers rewards or benefits that match your spending habits, like cashback on groceries or fuel.



    • Ensure the credit limit is manageable and aligns with your monthly income to avoid overspending.



    • Apply for cards specifically designed for low-income earners or beginners to increase your chances of approval.



    • Consider a secured credit card that requires a deposit. These cards are easier to get approved for and help build credit.



    • Choose a card from a reputable issuer with good customer service.


    Things to remember while applying for a credit card


    Here’s a list of things that you should remember while applying for a credit card:

    • Check your credit score and understand where you stand. Different credit cards require different credit scores.



    • Look out for annual fees, late payment fees, foreign transaction fees, and balance transfer fees.




    • Ensure the credit limit is suitable for your needs. Too low a limit might not be useful, while too high might tempt overspending.



    • Check how easy it is to redeem rewards and what restrictions may apply.



    • Research the card issuer’s reputation for customer service. Good support can be crucial if issues arise.



    • Apply for cards that you are likely to get approved for to avoid unnecessary hard inquiries on your credit report.

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