Best Credit Card for Low Income in India
Check your eligibility in 30 seconds – no impact on your credit score
Cards with low salary requirements (₹15,000–₹25,000/month) and minimal documentation.
Having a lower income does not mean you cannot access a credit card in India. Several banks offer entry-level cards with low eligibility thresholds, making it possible for salaried individuals earning Rs. 10,000–25,000 a month to get approved. The right card can help you manage monthly expenses, earn basic rewards, and most importantly, build a solid credit history for the future.
For low income earners, the priority is simple: avoid annual fees, keep the credit limit manageable, and choose a card that offers rewards on your highest spending categories like groceries, utility bills, and fuel. A no annual fee card removes the ongoing cost pressure, so you can use the card occasionally without worrying about justifying the fee through rewards.
If your income does not meet bank requirements, a secured credit card is an excellent alternative. You place a fixed deposit (typically Rs. 10,000–25,000) with the bank, and they issue a card with a limit of 80-90% of the FD value. Your deposit continues to earn interest while you build credit. After 12-18 months of responsible use, you can upgrade to an unsecured card.
We are continuously adding more credit card partners including low income and entry-level options.
Available Options
Live Partner
Tata Neu HDFC Card
5% NeuCoins on Tata brands, 1.5% on other spends
No annual fee (first year)
More card partners coming soon.
Explore lifetime free cards to avoid fees, or compare all best credit cards in India across categories.
Frequently Asked Questions
What is the minimum salary to get a credit card in India?
Most entry-level credit cards require a minimum monthly income of Rs. 15,000 to Rs. 20,000. Some banks go as low as Rs. 10,000 for their basic cards. Secured cards against a fixed deposit have no income requirement at all.
Can I get a credit card if I earn Rs. 15,000 per month?
Yes. Several banks offer credit cards for salaried individuals earning Rs. 15,000 or more per month. Your existing salary account bank is the best place to start, as they already have your income history.
Is a secured credit card a good option for low income earners?
Yes. A secured card issued against a fixed deposit gives you a credit card without income verification. The FD earns interest while your card limit is 80-90% of the FD amount. It is the safest way to start building credit.
Will a low income affect my credit card limit?
Yes. Banks set credit limits based on income. A lower income typically means a lower initial limit. However, limits can be increased over time with consistent on-time payments and income growth.
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