Best Credit Card in India for Salaried Persons (2025)

5 Best Crdeit Card in India for Salary person

In this article, we will compare the best credit cards in India for salaried employees and help you pick the right one.

1. HDFC Regalia Credit Card – Best for Premium Benefits

✔ Annual Fee: ₹2,500 (Waived on ₹3 lakh annual spending) ✔ Best for: Travel, shopping, and dining ✔ Benefits:– 4 reward points per ₹150 spent

2. SBI SimplyCLICK Credit Card – Best for Online Shopping

✔ Annual Fee: ₹499 (Waived on ₹1 lakh spending) ✔ Best for: Amazon, Flipkart, and online purchases ✔ Benefits: – 10X reward points on Amazon, BookMyShow, Cleartrip

3. Axis Bank Ace Credit Card – Best for Cashback

✔ 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. ICICI Amazon Pay Credit Card – Best for Amazon Shoppers

✔ Annual Fee: ₹0 (Lifetime Free) ✔ Best for: Amazon purchases and partner merchants ✔ Benefits: – 5% cashback on Amazon (Prime members)

5. HDFC Millennia Credit Card – Best for Young Professionals

✔ 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

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.