If you are a salaried person, and searching for the best credit card then you are on the right platform, Here we analysis the best credit card for you. Choosing the right credit card can help you save money, earn rewards, and enjoy exclusive benefits. Banks offer credit cards based on income, spending habits, and lifestyle needs.
In this article, we will compare the best credit cards in India for salaried employees and help you pick the right one.
Best Credit Cards for Salaried Individuals in India
Here are some of the top credit cards based on different spending needs:
1. HDFC Regalia Credit Card – Best for Premium Benefits
HDFC Regalia Credit Card is a premium credit card offering exclusive travel, shopping, and dining benefits. It comes with an annual fee of ₹2,500, which can be waived on spending ₹3 lakh annually. Cardholders get complimentary airport lounge access at both domestic and international airports.
It provides 4 reward points per ₹150 spent, making it ideal for high spenders. Users also enjoy discounts on dining through the Good Food Trail Program.
The card offers travel insurance coverage for added security. It is best suited for frequent travelers and premium users looking for luxury benefits with excellent reward points.
✔ Annual Fee: ₹2,500 (Waived on ₹3 lakh annual spending)
✔ Best for: Travel, shopping, and dining
✔ Benefits:
- Complimentary airport lounge access (domestic & international)
- 4 reward points per ₹150 spent
- Dining discounts with Good Food Trail Program
- Travel insurance coverage
💡 Why choose this card? If you travel frequently and want premium benefits, this is a great choice.
2. SBI SimplyCLICK Credit Card – Best for Online Shopping
SBI SimplyCLICK Credit Card is perfect for online shoppers who want high rewards on digital transactions. It has an annual fee of ₹499, waived on ₹1 lakh spending. Users earn 10X reward points on Amazon, BookMyShow, Cleartrip, and more.
It offers 5X reward points on all other online transactions, making it highly rewarding. New cardholders receive a ₹500 Amazon voucher as a welcome gift.
The card provides milestone benefits, offering e-vouchers on annual spending. It is best for salaried individuals who frequently shop online and want a budget-friendly credit card with excellent cashback and reward point benefits.
✔ Annual Fee: ₹499 (Waived on ₹1 lakh spending)
✔ Best for: Amazon, Flipkart, and online purchases
✔ Benefits:
- 10X reward points on Amazon, BookMyShow, Cleartrip
- 5X reward points on all other online transactions
- ₹500 Amazon voucher as a welcome gift
💡 Why choose this card? If you shop online frequently, this card offers great rewards and cashback.
3. Axis Bank Ace Credit Card – Best for Cashback
Axis Bank Ace Credit Card is one of the best cashback credit cards in India, offering high rewards on daily spending. It comes with an annual fee of ₹499, which is waived on spending ₹2 lakh annually.
Users get 5% cashback on bill payments, DTH, and mobile recharges via Google Pay. It provides 4% cashback on popular services like Swiggy, Zomato, and Ola.
All other transactions earn 2% cashback with no upper limit. The card also offers a fuel surcharge waiver. It is ideal for salaried individuals who want maximum cashback on utility payments and online spending.
✔ Annual Fee: ₹499 (Waived on ₹2 lakh spending)
✔ Best for: Cashback on bills and online payments
✔ Benefits:
- 5% cashback on bill payments & mobile recharges via Google Pay
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on all other spending
💡 Why choose this card? If you want direct cashback on everyday spending, this is the best option.
4. ICICI Amazon Pay Credit Card – Best for Amazon Shoppers
ICICI Amazon Pay Credit Card is a lifetime free credit card designed for Amazon shoppers. It has no annual or joining fees, making it a cost-effective option. Prime members get 5% cashback on Amazon purchases, while non-Prime users get 3% cashback.
The card also offers 2% cashback on partner merchants and 1% cashback on all other transactions. It provides automatic cashback without any redemption process.
Users also enjoy fuel surcharge waivers and easy EMI options. This card is best for salaried individuals who frequently shop on Amazon and want a zero-cost credit card with excellent cashback benefits.
✔ Annual Fee: ₹0 (Lifetime Free)
✔ Best for: Amazon purchases and partner merchants
✔ Benefits:
- 5% cashback on Amazon (Prime members)
- 3% cashback for non-Prime users
- 2% cashback on partner merchants
- 1% cashback on all other transactions
💡 Why choose this card? If you frequently shop on Amazon, this card is perfect with no annual fees.
5. HDFC Millennia Credit Card – Best for Young Professionals
HDFC Millennia Credit Card is perfect for young professionals who spend on shopping, dining, and travel. It comes with an annual fee of ₹1,000, waived on ₹1 lakh spending per year. Users get 5% cashback on Amazon, Flipkart, Zomato, and Swiggy.
It offers 1% cashback on all other spending. The card provides free airport lounge access at domestic airports. It also includes a fuel surcharge waiver and EMI conversion options.
Ideal for salaried individuals, this card helps maximize savings on online shopping, food delivery, and travel, making it a great choice for millennials and frequent spenders.
✔ Annual Fee: ₹1,000 (Waived on ₹1 lakh spending)
✔ Best for: Cashback and rewards on online spending
✔ Benefits:
- 5% cashback on Flipkart, Amazon, Zomato, Swiggy
- 1% cashback on all other spending
- Free airport lounge access
💡 Why choose this card? If you are a young professional who spends on shopping and food delivery, this card offers great benefits.
How to Choose the Best Credit Card for Salaried Individuals?
To pick the best credit card, consider these factors:
✅ Income Requirement: Some premium cards require a higher salary, while entry-level cards have low-income criteria.
✅ Spending Habits: If you shop online, get a cashback or shopping rewards card. If you travel, go for a travel benefits card.
✅ Annual Fee Waiver: Check if the card offers an annual fee waiver based on spending limits.
✅ Extra Benefits: Look for features like lounge access, fuel surcharge waiver, and EMI options.
Final Verdict: Which Credit Card is Best for You?
🔹 For Travel & Premium Perks: 👉 HDFC Regalia Credit Card
🔹 For Online Shopping: 👉 SBI SimplyCLICK Credit Card
🔹 For Cashback on Bills & Payments: 👉 Axis Bank Ace Credit Card
🔹 For Amazon Shopping: 👉 ICICI Amazon Pay Credit Card
🔹 For Young Professionals: 👉 HDFC Millennia Credit Card
Before applying, check the latest offers and eligibility on the bank’s official website.
Conclusion
A credit card can help salaried individuals earn rewards, save on expenses, and enjoy exclusive perks. Choose a card based on your salary, lifestyle, and spending habits.
So, which credit card suits you best? 🚀
Read also:
