Explore Airtel

    Compare✔️Choose ✔️Maximise Savings

    Apply Now

    Documents Required for a Credit Card With a Rs. 65,000 Salary

    When applying for a credit card with a salary of Rs. 65,000, you will need to provide certain documents to verify your identity, address, and income:

    Fees and Charges for a Credit Card With a Rs. 65,000 Salary


    Understanding the fees and charges associated with your credit card is crucial for managing your finances effectively. The following table provides an overview of the typical fees and charges for the Airtel Axis Bank Credit Card:

    Fee Type

    Amount

    Annual Fee

    Rs. 500 + GST

    Late Payment Fee

    Rs. 500 (Statement Balance < Rs. 1000), Rs. 750 (Statement Balance = Rs. 1000 to Rs. 10000), Rs. 950 (Statement Balance > Rs. 10000)

    Cash Withdrawal Fees

    2.5% (Min. Rs. 500)

    Foreign Currency Transaction Fee

    3.5% of the transaction amount

    Credit Card for a Rs. 65,000 Salary


    If you're earning a salary of Rs. 65,000, a credit card can be an excellent financial tool to help you manage your expenses and enjoy various benefits. Credit cards offer convenience, allowing you to make purchases without carrying cash, and they also provide opportunities to build your credit history. With a wide range of credit cards available for this salary bracket, it's essential to choose the right one that aligns with your spending habits and maximises benefits such as cashback, discounts, and travel rewards.



    Features and Benefits of a Credit Card for Rs. 65,000 Salary


    Credit cards for individuals with a salary of Rs. 65,000 come with an array of features and benefits that can help you save money and enjoy a more convenient lifestyle. Here are some of the key features and benefits you can expect:

    Feature/Benefit

    Description

    Rewards Programmes

    Many credit cards offer cashback, redeemable points, or travel miles on specific categories or online shopping.

    EMI Options

    Credit cards allow you to convert large purchases into manageable monthly instalments, making it easier to afford big-ticket items.

    Interest-Free Period

    Most cards provide a grace period (usually up to 50 days) to pay off your balance without incurring any interest charges.

    Travel Benefits

    Some credit cards offer discounts or points on travel-related expenses, such as hotel bookings or flights.

    Eligibility Criteria for a Credit Card With a Rs. 65,000 Salary

    When applying for a credit card with a salary of Rs. 65,000, there are certain eligibility criteria you need to meet. These may vary slightly depending on the card issuer but generally include:

    • Income Requirement: Most entry-level credit cards require a monthly income of ₹25,000 to ₹40,000, although some cards may have lower income requirements.
    • Credit Score: Having a good credit score can significantly improve your chances of being approved for a credit card.
    • Age Criterion: Applicants are typically required to be between 21 and 60 years old.
    • Residency: You will need to provide proof of residence in India.
    • Employment Stability: Card issuers prefer applicants with a stable job and consistent income.

    Required Documents for a Credit Card With a Rs. 65,000 Salary


    When applying for a credit card, you will need to provide several documents to verify your identity, address, income, and employment. Here are the key documents typically required:

    Document Type

    Description

    Identification Proof

    Aadhaar card, Passport, Voter ID card

    Address Proof

    Utility bills, rental agreements, or bank statements

    Income Proof

    Salary slips, Form 16, Income Tax Returns.

    Employment Proof

    Company ID card, Offer letter

    Bank Statement

    Bank statement

    Fees and Annual Fees of Credit Card for Rs. 65,000 Salary


    When considering a credit card with a salary of Rs. 65,000, it's crucial to understand the various fees associated with the card. These fees can significantly impact your financial management and how you utilise your credit card.

    Credit Card

    Joining Fee

    Annual Fee

    HDFC Bank Freedom Card

    ₹500

    ₹500

    SBI Tata Titanium Credit Card

    ₹499

    ₹499

    RBL Bank Popcorn Credit Card

    ₹500

    ₹500

    Axis Bank Ace Card

    ₹500

    ₹500



    How to Apply for a Credit Card With a Salary of Rs. 65,000

    If you're earning a salary of Rs. 65,000 and wish to apply for a credit card, follow these steps:

    • Check Eligibility: Ensure that your income meets the eligibility criteria set by the bank. Most banks require a steady income to qualify for a credit card.
    • Choose the Right Card: Opt for credit cards with minimal annual fees or those that offer waivers based on spending thresholds. This will help you minimise your costs.
    • Gather Documents: Prepare the necessary documents, such as ID proof, income proof (salary slips), and address proof, to support your application.
    • Apply Online or Offline: You can apply for a credit card through the bank's website, mobile app, or by visiting a branch in person.
    • Monitor Credit Score: Maintain a good credit score to improve your chances of approval. Check your credit score before applying to ensure you meet the bank's requirements.

    Why Choose Airtel Finance

    When you choose an Airtel Finance-partnered credit card, you can expect:

    • Simplicity: Airtel Finance aims to simplify the credit card application process, making it easy and hassle-free for customers.
    • Convenience: With Airtel Finance, you can manage your credit card and other financial products through a single platform, providing a seamless experience.
    • Integration with Airtel Services: As an Airtel customer, you may benefit from exclusive offers and rewards when using an Airtel Finance-partnered credit card.
    • Competitive Fees and Rewards: Airtel Finance partners with banks that offer competitive fees and attractive rewards programmes, ensuring you get the best value for your money.

    By choosing an Airtel Finance-partnered credit card, you can enjoy the convenience and benefits of a reliable financial service provider while also taking advantage of the perks and rewards offered by leading banks.

    Frequently Asked Questions

    View More