Credit Cards for Salaried Professionals – Smart, Reliable & Reward-Filled
Unlock the Power of Credit Cards Designed for India’s Working Class
Are you a salaried employee looking to make the most of your monthly income? Whether you’re into shopping, travel, dining, or just want better savings — CardMela.com brings you a curated list of Credit Cards for Salaried Professionals that offer a strong mix of benefits, approvals, and flexibility.
These cards are picked not just for features — but for how well they fit the lifestyle, income structure, and aspirations of today’s working individuals.
Enjoy powerful features like cashback, lounge access, reward points, EMI flexibility, and spend-based waivers — all packed into cards that suit different salary brackets.
Explore top picks like the Axis Ace, HDFC Regalia First, IDFC FIRST Millennia, SBI SimplySAVE, and ICICI Coral Credit Card — each tailored to meet the needs of salaried professionals across India.
These cards also come with added benefits like:
- Special rewards on bill payments, online shopping, and dining
- Annual fee waivers when spending milestones are met
- Airport lounge access and partner discounts across categories
- Easy eligibility based on fixed monthly income
- EMI conversion, UPI compatibility, and fuel surcharge waivers
Ready to make your salary work smarter? Use our comparison tool to explore features, annual fees, eligibility, and apply for the ideal credit card — right here on CardMela.com.
AU Bank Zenith Credit Card
★★★★☆ (4/5)
*Waiver on spends over ₹50,000/year
Benefits:
Up to 5% Cashback
₹1,000 Welcome Bonus
₹500 Fuel Waiver/month
Lounge Access
Dining Discounts
₹999 Annual Fee (waived*)
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹999 Annual Fee (waived*), ₹500 Late Fee approx.
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
HDFC Bank Millennia Credit Card
★★★★☆ (4/5)
*Ideal for online shoppers & frequent spenders
Benefits:
5% Cashback on Amazon, Flipkart, Swiggy, Zomato
1% Cashback on all other spends
8 Complimentary Lounge Access (per year)
₹1,000 Welcome Benefit
EMI & SmartBuy Offers
Eligibility:
₹25,000/month income, Credit Score 750+
Fees:
₹1,000 Annual Fee (waived on ₹1L annual spend), ₹500 Late Payment Fee approx.
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
Axis Bank Ace Credit Card
★★★★☆ (4.3/5)
Ideal for cashback seekers and frequent online spenders
5% cashback on bill payments & recharges via Google Pay
4% cashback on Swiggy, Zomato & Ola
1.5% cashback on other spends
4 complimentary domestic lounge visits/year
1% fuel surcharge waiver (₹400–₹4,000 transactions, max ₹500/month)
Eligibility:
Salaried individuals with ₹25,000/month income, Credit Score 750+
Fees:
₹499 Joining Fee (waived on ₹10,000 spend in 45 days), ₹499 Annual Fee (waived on ₹2L spend/year), Late Fee ₹100–₹1,300
SBI Simply Click Credit Card
★★★★☆ (4.3/5)
Best for online shoppers seeking accelerated rewards on digital spends
Benefits:
10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Yatra, Apollo 24/7)
5X Reward Points on other online spends
1X Reward Point per ₹100 on offline spends
₹500 Amazon gift voucher on payment of joining fee
Cleartrip e-vouchers worth ₹2,000 on annual online spends of ₹1L and ₹2L
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
IDFC First Bank Select Credit Card
★★★★☆ (4.5/5)
For premium lifestyle users
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
Buy-1-Get-1 movies (2x/month)
4 domestic + 4 railway lounges quarterly
₹10K trip cancellation cover
1% forex markup
Eligibility:
₹12L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
Tata Neu HDFC Plus Credit Card
★★★★☆ (4.5/5)
Best for Tata brand fans wanting high rewards
Benefits:
2% NeuCoins on Tata Neu & partner brands (non-EMI spends)
1% NeuCoins on non-Tata brand spends & EMI transactions
1% NeuCoins on UPI spends via RuPay (max ₹500/month)
Additional 5% NeuCoins on Tata Neu App/Website with NeuPass
Welcome benefit: 499 NeuCoins on first transaction within 30 days
4 complimentary domestic lounge visits per year (1 per quarter)
1% fuel surcharge waiver (up to ₹250/month)
Eligibility
Salaried 21–60 years with ₹25,000+ monthly income
Self-employed 21–65 years with ₹6 lakh+ annual income
Fees
Joining fee ₹499 + GST
Annual fee ₹499 + GST waived on ₹1 lakh annual spend
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
Most Trusted. Most Practical. Most Salary-Friendly.
Not sure which card works best for salaried individuals? Start with the ones that offer maximum value for every rupee you earn.
This page highlights the top-rated credit cards preferred by salaried professionals on CardMela — selected for their steady rewards, smart benefits, and easy approvals based on fixed income.
Why These Cards Work Well for Salaried Users
Reliable Rewards
Get cashback, points, and discounts tailored to how you actually spend — from groceries to EMIs.
Income-Based Eligibility
Smooth approvals for users with monthly salaries — no credit acrobatics needed.
Low Cost, High Value
Enjoy low annual fees, fee waivers, and features like lounge access and fuel surcharge waiver.
EMI & UPI Benefits
Convert large spends into EMIs or link your card to UPI for convenience and flexibility.
Who Picks These Cards?
Salaried professionals across private and govt sectors
Mid-income users looking for best value
Office-goers managing rent, bills, and travel
New job holders applying for their first card
Anyone looking to maximise savings from monthly income
Turn Your Salary into Smarter Spending
CardMela helps you compare salary-based credit cards, check eligibility by income slab, and apply directly — no guesswork, just results.
Compare cards. Save more. Spend wisely.
Your salary deserves better rewards — find them today.ply in minutes. Find it today.