Struggling to get a credit card because of your low salary? 😥 You’re NOT alone! Many Indians face rejection due to strict income requirements.
But guess what? Some banks offer credit cards even if you earn just ₹6,500/month!
💥 In this guide, we reveal the top 5 low-salary credit cards in India (2025) that banks don’t advertise widely. No more rejections – unlock financial freedom today!
Why Get a Credit Card with a Low Salary? 💡
Think credit cards are only for high earners? Think again! Even with a modest income, a credit card can:
✅ Build your credit score 📈
✅ Offer emergency funds 🆘
✅ Provide rewards on everyday spends 🛒
✅ Simplify bill payments & EMI purchases 💸
But wait – choosing the RIGHT card is key! Let’s explore your options.
🏆 Top 5 Low Salary Credit Cards in India (2025)
1. Bank of India India Card – Perfect for ₹6,500 Salary! 🏦
Minimum Salary: ₹6,500/month
Key Features:
- 50-day interest-free period ⏳
- Basic rewards on spends 🎁
- Easy approval for first-time users 🆕
Why Pick This?
Ideal for beginners! No frills, just essentials.
2. Canara Bank Visa Credit Card – Balance Benefits & Affordability 💳
Minimum Salary: ₹8,500/month
Key Features:
- Reward points on all spends 🌟
- Easy EMI options for gadgets 📱
- 45-day grace period 🗓️
Pro Tip: Already a Canara Bank customer? Approval chances skyrocket! 🚀
3. Punjab National Bank (PNB) Classic Credit Card – Budget-Friendly Perks 🏆
Minimum Salary: ₹8,000/month
Key Features:
- Fuel surcharge waivers ⛽
- Discounts on online shopping 🛍️
- Free access to PNB’s banking network 🏧
Note: Must have a PNB savings account.
4. Canara Bank Global Credit Card – For Salaries Above ₹10,500 🌍
Minimum Salary: ₹10,500/month
Key Features:
- Travel insurance coverage ✈️
- Global acceptance 🌐
- Double reward points on dining 🍴
Best For: Frequent travelers or foodies!
5. HDFC Indian Oil Credit Card – Fuel Lovers, Rejoice! ⛽🔥
Minimum Salary: ₹10,000/month
Key Features:
- 5% cashback on fuel spends 💵
- Discounts on Amazon & Flipkart 🛒
- Interest-free EMI options 🤑
Why It’s HOT: Save big on petrol & online shopping!
🧾 How to Apply for a Low Salary Credit Card Online (Step-by-Step)
Ready to apply? Follow these steps:
- Check Eligibility: Ensure you meet age (21+), income, and document criteria.
- Visit the Bank’s Website: Go to the credit card section.
- Fill the Form: Enter personal, income, and employment details.
- Upload Documents: PAN, Aadhaar, salary slips, bank statements.
- Submit & Track: Wait for approval (usually 7-10 days).
📌 Pro Tip: Existing bank customers get faster approvals!
📑 Documents Required for Application
- PAN Card
- Aadhaar/Passport (address proof)
- Salary slips (3 months) or income certificate
- Bank statements (6 months)
- Passport-sized photos
💡 Pro Tips to Boost Approval Chances
- Maintain a credit score above 650 📊
- Avoid multiple applications at once 🚫
- Start with your current bank for higher success rates 🏦
🚨 Avoid These Mistakes!
- Missing payments (harms credit score) 💔
- Ignoring the grace period (invites interest) ⏰
- Overspending beyond your repayment capacity 💸
✅ Final Call to Action (2025)!
Don’t let a low salary hold you back! 🛑 Pick a card from our list, gather your documents, and apply online today.
Whether it’s fuel savings, EMI flexibility, or building credit – the right card is just a click away!
👉 Click here to explore these cards NOW!
💬 FAQs – Low Salary Credit Cards in India
Q1: Can I get a credit card with a ₹15,000 salary?
A: Absolutely! Most cards here accept salaries under ₹20,000.
Q2: Do these cards have annual fees?
A: Some do, but many waive fees for first-year users.
Q3: What if my application gets rejected?
A: Improve your credit score or reapply after 6 months.
