Finding the best credit card is not an easy task given the range of credit cards available in the market. There are many factors that can come into play while selecting the best credit card, the most important factor among that is your income. It is your monthly income that determines the type of credit card you will receive and its limit. That said, we’ve rounded up the best credit cards and their features for people who earn less per month.
Features and Benefits
List of Credit Cards for low Income earners
HDFC Moneyback credit card
(4.4/5) ☆ ☆ ☆ ☆ ☆ 4.4/5
Fee
Joining Fee - Rs. 500 Annual Fee – Rs. 500
Get CardFeatures
- 2 Reward Points on every Rs 150 spent on offline except fuel, recharges and 2x reward points (4 points for online transactions)
- 500 Welcome reward points on payment of joining fee of Rs. 500
- Get Rs. 500 gift vouchers on spends on Rs. 50000 per quarter
- 50 Days of Interest free period from the date of purchase
- 20% savings on restaurant bill payment ordered via Swiggy Dineout
- 1% fuel surcharge waiver on fuel transactions
SBI SImplySave Credit Card
(4.4/5) ☆ ☆ ☆ ☆ ☆ 4.4/5
Fee
Joining Fee - Rs. 499 Annual Fee – Rs. 499
Get CardFeatures
- 10X reward points on selective transactions
- 1% Surcharge waiver
- Annual Fee of Rs. 499 that can be reversed on spends of Rs. 100000 or more
- 1 reward point for every Rs. 150 spend
- Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
BPCL SBI Card Octane
(4.4/5) ☆ ☆ ☆ ☆ ☆ 4.4/5
Fee
Joining Fee - Rs. 499 Annual Fee – Rs. 499
Get CardFeatures
- 2000 reward points worth 500 as welcome gift
- Cardless feature, simply wave your card at secure terminal
- 13X* Reward Points on fuel purchases at BPCL
- 1% Fuel surcharge waiver
- 5X Reward Points on every ₹ 100 spent at Groceries, Departmental Stores, Movies & Dining
HDFC Bank Easy EMI Credit Card
(4.4/5) ☆ ☆ ☆ ☆ ☆ 4.4/5
Fee
Joining Fee - Rs. 500 Annual Fee - Rs. 500
Get CardFeatures
- Membership fee of Rs. 500 + applicable fees
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZApp
- 2.5% CashBack on all online spends to the maximum of Rs. 750
- 1% Cashback on Offline spends and wallet reloads
- ₹1000 worth gift vouchers on spends of ₹1 lakh and above in each calendar quarter
ICICI Bank Coral Contactless Credit Card
(4.4/5) ☆ ☆ ☆ ☆ ☆ 4.4/5
Fee
Joining Fee - Rs. 500 Annual Fee - Rs. 500
Get CardFeatures
- Annual fee of Rs. 500 + GST
- 25% discount upto Rs.100 on purchase of minimum 2 tickes at BookmyShow and Inox
- Dining offers through ICICI Bank Culinary Treats Programme
- Complimentary Access to select Airport Lounges in India
- Chance to earn upto 10000 reward points on every anniversary year
Hope you would have gotten a good idea about the cards available for your income slab. Select the card that fits your needs and wants and apply today.
