Eligibility · ₹1 lakh/month · updated 2026-09-19

Best credit cards for a ₹1 lakh monthly salary

Cards whose published income floor you clear at ₹1 lakh a month (₹12 lakh a year), ranked in rupees for a ₹50k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹1 lakh monthly salary (Sept 2026): 98 of 119 cards state an income floor at or below ₹12 lakh a year, so you likely qualify. Best of them for a ₹50k/month card spend: American Express Platinum Travel (score 90, ₹27,454 net a year), then HSBC Live+. Approval is always the bank's call.

Standard profile
Scored for ₹100k/month salary · ₹50k/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₹27,454/yr
Savings rate5.4%
Annual feeYou pay ₹5,900
Lounge✈8 dom

✓ Base rate 1% on other spends earns you about ₹3,791 a year on ₹3,79,133 of spend.

Details
HSBC HSBC Live+ credit card
HSBCVisa

HSBC Live+

74
Net savings₹18,141/yr
Savings rate3.6%
Annual feeWaived ₹1,179
Lounge✈2 dom🌏1 intl

✓ 10% on dining, food delivery, groceries, shopping & utilities earns you about ₹14,400 a…

Details
HDFC Bank Millennia credit card
HDFC BankVisa

Millennia

70
Net savings₹13,954/yr
Savings rate2.7%
Annual feeWaived ₹1,180
Lounge✈8 dom

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

Details

All 98 cards with an income floor ≤ ₹12 lakh/yr

Cards for a ₹1 lakh salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1American Express Platinum Travel credit cardPlatinum TravelAmerican Express90/100₹27,454
5.4% rate		Income ₹6L+/yr; select citiesYou pay ₹5,9008 domestic/yr
2HSBC HSBC Live+ credit cardHSBC Live+HSBC74/100₹18,141
3.6% rate		Income ₹4L+/yr; HSBC serviceable citiesWaived ₹1,1792 domestic + 1 international/yr
3HDFC Bank Millennia credit cardMillenniaHDFC Bank70/100₹13,954
2.7% rate		Income ₹6L+/yr or ₹35k+/month salaryWaived ₹1,1808 domestic/yr
4Axis Bank ACE credit cardACEAxis Bank × Google Pay65/100₹10,133
2.0% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
5Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank64/100₹9,886
1.9% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
6SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card62/100₹11,728
2.3% rate		Income ₹6L+/yrWaived ₹3,5398 domestic + 4 international/yr
7HDFC Bank Regalia credit cardRegaliaHDFC Bank62/100₹11,603
2.3% rate		Income ₹12L+/yrWaived ₹2,95012 domestic + 6 international/yr
8HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank61/100₹11,103
2.2% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹2,95012 domestic + 6 international/yr
9Bank of Baroda BOBCARD ETERNA credit cardBOBCARD ETERNABank of Baroda60/100₹10,449
2.0% rate		Income ₹12L+/yrWaived ₹2,9494 domestic/yr
10SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card59/100₹12,246
2.4% rate		Income ₹10L+/yrYou pay ₹5,8998 domestic/yr
11SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card58/100₹13,804
2.7% rate		Income ₹3L+/yr; salaried preferredWaived ₹1,179No lounge access
12IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL58/100₹11,438
1.9% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
13HDFC Bank Diners Club Privilege credit cardDiners Club PrivilegeHDFC Bank58/100₹9,406
1.8% rate		Income ₹6L+/yrWaived ₹2,9508 domestic/yr
14Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank58/100₹6,716
1.3% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
15American Express Membership Rewards (MRCC) credit cardMembership Rewards (MRCC)American Express56/100₹16,354
3.2% rate		Income ₹4.5L+/yr; select citiesWaived ₹5,310No lounge access
16Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered56/100₹9,678
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
17SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card56/100₹8,368
1.6% rate		Income ₹3L+/yrWaived ₹1,7694 domestic/yr
18HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank55/100₹8,803
1.5% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹1,7698 domestic + 4 international/yr
19Axis Bank Rewards credit cardRewardsAxis Bank55/100₹7,756
1.5% rate		Income ₹3L+/yrWaived ₹1,1804 domestic/yr
20Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda53/100₹7,184
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
21Bank of Baroda BOBCARD TIARA credit cardBOBCARD TIARABank of Baroda53/100₹7,074
1.4% rate		Income ₹3L+/yrWaived ₹2,9494 domestic/yr
22Axis Bank Privilege credit cardPrivilegeAxis Bank53/100₹6,854
1.3% rate		Income ₹6L+/yrWaived ₹1,7708 domestic/yr
23Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank52/100₹7,324
1.4% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr
24SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card51/100₹7,979
1.6% rate		Income ₹12L+/yrYou pay ₹5,8998 domestic + 6 international/yr
25AU Small Finance Bank LIT credit cardLITAU Small Finance Bank51/100₹7,060
1.4% rate		Income ₹3L+/yrFree for life4 domestic/yr
26IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank51/100₹6,131
1.2% rate		Income ₹12L+/yrWaived ₹3,5398 domestic + 8 international/yr
27ICICI Bank HPCL Super Saver ICICI Bank credit cardHPCL Super Saver ICICI BankICICI Bank51/100₹6,091
1.2% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
28Kotak Mahindra Bank Zen Signature credit cardZen SignatureKotak Mahindra Bank51/100₹5,950
1.2% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr
29HDFC Bank Tata Neu Plus HDFC Bank credit cardTata Neu Plus HDFC BankHDFC Bank50/100₹6,056
1.0% rate		Income ₹3L+/yr or ₹25k+/month salaryWaived ₹5894 domestic/yr
30Yes Bank Paisabazaar PaisaSave credit cardPaisabazaar PaisaSaveYes Bank49/100₹11,222
1.9% rate		Income ₹3L+/yrWaived ₹589No lounge access

Showing 30 of 98.

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₹1.5 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 lakh salary?

Likely yes: American Express Platinum Travel, HSBC Live+, HDFC Bank Millennia, Axis Bank ACE (Google Pay) publish income floors at or below ₹12 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 (₹50k 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.