Minimum salary for a credit card in India
Pick your monthly salary or situation. Each page lists the cards whose published income floor you clear, ranked in rupees at a realistic spend for that income – “likely eligible”, never a promise.
Minimum salary for a credit card in India: the lowest published income floor among cards you can apply for openly is ₹2 lakh a year (about ₹16,700 a month), for SimplyCLICK SBI Card. 68 of 119 cards ask for ₹3 lakh a year (₹25,000 a month) or less. With no income proof, start with an FD-secured card.
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Income floors come from each card's published eligibility line (see the card page). Banks also weigh credit score, existing EMIs and relationship. Methodology →
Frequently asked questions
What is the minimum income for a credit card in India?
On CardLens data, the lowest published income floor among cards you can apply for openly is ₹2 lakh a year (about ₹16,700 a month), for SimplyCLICK SBI Card. 68 of 119 cards ask for ₹3 lakh a year (₹25,000 a month) or less. Below that, or with no income proof, an FD-secured card is the usual first card.
Can I get a credit card with a ₹15,000 salary?
Rarely as an unsecured card: published floors start around ₹16,700 a month. A card secured against a fixed deposit needs no income proof and builds the credit history that gets you an unsecured card later.
Is meeting the income floor enough to get approved?
No. Banks also weigh your credit score, existing EMIs, employer and your relationship with the bank. Clearing the income floor means you are likely eligible, not approved.