Eligibility · ₹1.5 lakh/month · updated 2026-09-19

Best credit cards for a ₹1.5 lakh monthly salary

Cards whose published income floor you clear at ₹1.5 lakh a month (₹18 lakh a year), ranked in rupees for a ₹76k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹1.5 lakh monthly salary (Sept 2026): 104 of 119 cards state an income floor at or below ₹18 lakh a year, so you likely qualify. Best of them for a ₹76k/month card spend: American Express Platinum Travel (score 90, ₹29,631 net a year), then Regalia Gold. Approval is always the bank's call.

Standard profile
Scored for ₹150k/month salary · ₹76k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top picks you likely qualify for

American Express Platinum Travel credit card
American ExpressAmerican Express

Platinum Travel

90
Net savings₹29,631/yr
Savings rate3.9%
Annual feeYou pay ₹5,900
Lounge✈8 dom

✓ Base rate 1% on other spends earns you about ₹5,687 a year on ₹5,68,709 of spend.

Details
HDFC Bank Regalia Gold credit card
HDFC BankVisa

Regalia Gold

85
Net savings₹24,904/yr
Savings rate3.3%
Annual feeWaived ₹2,950
Lounge✈12 dom🌏6 intl

✓ Base rate 1.33% on other spends earns you about ₹6,217 a year on ₹4,67,455 of spend.

Details
HDFC Bank Millennia credit card
HDFC BankVisa

Millennia

78
Net savings₹19,131/yr
Savings rate2.5%
Annual feeWaived ₹1,180
Lounge✈8 dom

✓ 5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit,…

Details

All 104 cards with an income floor ≤ ₹18 lakh/yr

Cards for a ₹1.5 lakh salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1American Express Platinum Travel credit cardPlatinum TravelAmerican Express90/100₹29,631
3.9% rate		Income ₹6L+/yr; select citiesYou pay ₹5,9008 domestic/yr
2HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank85/100₹24,904
3.3% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹2,95012 domestic + 6 international/yr
3HDFC Bank Millennia credit cardMillenniaHDFC Bank78/100₹19,131
2.5% rate		Income ₹6L+/yr or ₹35k+/month salaryWaived ₹1,1808 domestic/yr
4HDFC Bank Diners Club Privilege credit cardDiners Club PrivilegeHDFC Bank76/100₹20,109
2.6% rate		Income ₹6L+/yrWaived ₹2,9508 domestic/yr
5HSBC HSBC Live+ credit cardHSBC Live+HSBC75/100₹20,011
2.6% rate		Income ₹4L+/yr; HSBC serviceable citiesWaived ₹1,1792 domestic + 1 international/yr
6Axis Bank ACE credit cardACEAxis Bank × Google Pay73/100₹15,199
2.0% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
7SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card68/100₹20,706
2.7% rate		Income ₹3L+/yr; salaried preferredWaived ₹1,179No lounge access
8Bank of Baroda BOBCARD ETERNA credit cardBOBCARD ETERNABank of Baroda68/100₹15,673
2.0% rate		Income ₹12L+/yrWaived ₹2,9494 domestic/yr
9Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank68/100₹13,029
1.7% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
10HDFC Bank Regalia credit cardRegaliaHDFC Bank67/100₹14,904
1.9% rate		Income ₹12L+/yrWaived ₹2,95012 domestic + 6 international/yr
11SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card66/100₹14,442
1.9% rate		Income ₹6L+/yrWaived ₹3,5398 domestic + 4 international/yr
12SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card65/100₹16,319
2.1% rate		Income ₹10L+/yrYou pay ₹5,8998 domestic/yr
13Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered64/100₹14,517
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
14Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank64/100₹10,075
1.3% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
15IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL62/100₹14,756
1.6% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
16SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card62/100₹12,551
1.6% rate		Income ₹3L+/yrWaived ₹1,7694 domestic/yr
17HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank61/100₹13,205
1.5% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹1,7698 domestic + 4 international/yr
18Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda59/100₹10,775
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
19Bank of Baroda BOBCARD TIARA credit cardBOBCARD TIARABank of Baroda59/100₹10,611
1.4% rate		Income ₹3L+/yrWaived ₹2,9494 domestic/yr
20Axis Bank SELECT credit cardSELECTAxis Bank58/100₹10,503
1.4% rate		Income ₹9L+/yrWaived ₹3,5408 domestic + 6 international/yr
21IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank58/100₹10,204
1.3% rate		Income ₹12L+/yrWaived ₹3,5398 domestic + 8 international/yr
22American Express Membership Rewards (MRCC) credit cardMembership Rewards (MRCC)American Express57/100₹18,531
2.4% rate		Income ₹4.5L+/yr; select citiesWaived ₹5,310No lounge access
23Axis Bank Atlas credit cardAtlasAxis Bank57/100₹15,506
2.0% rate		Income ₹12L+/yrYou pay ₹5,9008 domestic + 4 international/yr
24Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank57/100₹10,986
1.4% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr
25Axis Bank Rewards credit cardRewardsAxis Bank57/100₹9,834
1.3% rate		Income ₹3L+/yrWaived ₹1,1804 domestic/yr
26Yes Bank Paisabazaar PaisaSave credit cardPaisabazaar PaisaSaveYes Bank56/100₹16,833
1.9% rate		Income ₹3L+/yrWaived ₹589No lounge access
27AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank56/100₹14,337
1.9% rate		Income ₹18L+/yrWaived ₹9,439unlimited domestic + 4 international/yr
28IDFC FIRST Bank FIRST Select credit cardFIRST SelectIDFC FIRST Bank56/100₹9,041
1.2% rate		Income ₹12L+/yrFree for life8 domestic/yr
29Axis Bank Privilege credit cardPrivilegeAxis Bank56/100₹9,031
1.2% rate		Income ₹6L+/yrWaived ₹1,7708 domestic/yr
30SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card55/100₹10,544
1.4% rate		Income ₹12L+/yrYou pay ₹5,8998 domestic + 6 international/yr

Showing 30 of 104.

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

Other salary bands

₹15,000/month₹25,000/month₹30,000/month₹50,000/month₹1 lakh/month₹2 lakh/month₹3 lakh/monthStudentsNo income proofFD-secured cardsLow CIBIL scoreSelf-employed, no ITR

Frequently asked questions

Can I get a credit card on a ₹1.5 lakh salary?

Likely yes: American Express Platinum Travel, HDFC Bank Regalia Gold, HDFC Bank Millennia, HDFC Bank Diners Club Privilege publish income floors at or below ₹18 lakh a year. Banks also look at your credit score, existing EMIs and relationship, so an income floor is a filter, not a promise.

What spend does this ranking assume?

Roughly half your salary on the card (₹76k a month across groceries, dining, online, fuel and bills). Fee waivers and caps depend on that number – set your real spend in Find My Card.

Does the bank check salary or annual income?

Issuers publish either a monthly salary or an annual income floor; CardLens converts salary × 12 and compares it with the card's stated annual floor. Self-employed applicants are usually assessed on ITR income instead.