Credit Cards for Self-Employed – Flexible, Feature-Rich & Business-Savvy
Unlock the Power of Credit Cards Built for India’s Business Minds
Are you a freelancer, entrepreneur, or self-employed professional looking for a card that fits your financial flow? Whether you’re managing variable income, growing a business, or just want better control over spending — CardMela.com brings you a curated list of Credit Cards for Self-Employed Professionals that offer a perfect mix of flexibility, rewards, and approval ease.
These cards are handpicked not just for benefits — but for their adaptability to non-salaried incomes, minimal documentation needs, and real financial value.
Enjoy key features like high approval rates for business owners, cashback and travel perks, fuel benefits, and easy EMI options — all without needing a fixed monthly salary slip.
Explore top picks like the IDFC FIRST Classic Card, Axis MyZone, AU Bank Zenith, OneCard, and SBI SimplySAVE — all suited for dynamic income profiles and self-driven professionals.
These cards also come with added benefits like:
- Relaxed eligibility for self-employed and business income holders
- Rewards on business expenses, utility bills, and online purchases
- Spend-based fee waivers and lifetime free options
- Fuel surcharge waiver, EMI conversion, and lounge access on select variants
- UPI support, tap-to-pay, and virtual card options for convenience
Running your own thing? Let your card work as smart as you do. Use our comparison tool to explore features, check eligibility, and apply today — only on CardMela.com.
AU Bank Business Credit Card
★★★★☆ (4/5)
★★★☆☆ (3.8/5)
*Designed for entrepreneurs and small business owners
Benefits:
Up to 2% Cashback on business spends
₹500 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹200/month
Free Add-on Cards
RuPay Offers & UPI Credit Card Compatibility
Eligibility:
₹25,000/month income, Self-employed or Business Owners, Credit Score 700+
Fees:
₹499 Annual Fee (waived on ₹40,000 annual spend), ₹500 Late Payment Fee approx.
ICICI Bank Platinum Corporate Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
1% fuel surcharge waiver at all petrol pumps
Up to 50 days interest-free credit
Dedicated relationship manager
Advanced spend tracking and ERP integration
Choice of liability options and consolidated billing
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Bank Visa Corporate Credit Card
★★★★☆ (4.3/5)
Best for corporate expense management with travel perks
Benefits:
Up to 50 days interest-free credit
1% fuel surcharge waiver
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
Cash rebate program for organizations
ERP integration and consolidated billing
Dedicated relationship manager
Eligibility:
Corporate employees or authorized signatories
Subject to company’s internal approval process
Fees:
Joining fee Nil
Annual fee ₹999 + GST
IDFC First Bank Ashva Credit Card
★★★★☆ (4.2/5)
Best for travelers & lifestyle users
Benefits:
₹500 cashback on 4 transactions
5X rewards up to ₹20K/month, 10X on higher spends & birthdays
4 domestic + 2 international lounge visits/quarter
Golf perks & 1% forex markup
Movie discount & hotel booking offers
Eligibility:
Select customers, bank approval required
Fees:
Joining ₹2,999 + GST
Annual ₹2,999 + GST (waived on ₹8L spend)
HDFC Bank Diners Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.2L/month; Self-employed: ITR > ₹15L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
HDFC Bank Regalia Credit Card
★★★★☆ (4.2/5)
Best for frequent flyers and premium lifestyle users
Benefits:
4 Reward Points per ₹150 spent
Free access to domestic & international lounges
Milestone rewards up to 15,000 points/year
Low 2% forex markup
Travel insurance & lifestyle privileges
Eligibility:
Salaried: ₹1.5L/month; Self-employed: ITR > ₹18L/year
Fees:
₹2,500 Annual Fee (waived on ₹3L spend), Late Fee ₹100–₹1,300
Axis Bank Select Credit Card
★★★★☆ (4.2/5)
Ideal for premium lifestyle users
Benefits:
10 EDGE Reward Points/₹200 spent
Complimentary lounge access
Milestone benefits up to 5,000 EDGE Points
1% fuel surcharge waiver (₹400–₹4,000 transactions)
Eligibility:
Salaried individuals with ₹50,000/month income, Credit Score 750+
Fees:
₹3,000 Joining Fee, ₹3,000 Annual Fee (waived on ₹6L spend/year), Late Fee ₹100–₹1,300
Most Adaptive. Most Practical. Most Business-Friendly.
Running your own business or working independently? Start with the cards that are trusted by India’s self-made professionals.
This page features the most approved and user-preferred credit cards for self-employed individuals — selected for their flexible eligibility, real-world rewards, and business-friendly features across fuel, lifestyle, travel, and more.
Why These Cards Work for Self-Employed Users
Flexible Income Acceptance
Approved based on business income, bank statements, or ITRs — no salary slips needed.
Tailored Rewards
Benefit from cashback and points on business expenses like travel, utilities, fuel, and digital tools.
Smart Savings & Features
Low fees, spend-based waivers, and features like EMI, lounge access, and UPI compatibility.
Simple Application Process
Minimal paperwork and quick digital onboarding — ideal for entrepreneurs on the go.
Who Picks These Cards?
Small business owners and consultants
Freelancers and gig economy professionals
Traders, shopkeepers, and retailers
Startup founders and digital creators
Anyone earning without a fixed salary
Run Your Business. Build Your Credit. Earn Rewards.
CardMela helps you discover the best credit cards built for self-employed professionals, compare benefits side-by-side, and apply online — no salary proof, no confusion.
Smart cards for smart earners.
Compare now. Apply today.