Eligibility · ₹2 lakh/month · updated 2026-09-19

Best credit cards for a ₹2 lakh monthly salary

Cards whose published income floor you clear at ₹2 lakh a month (₹24 lakh a year), ranked in rupees for a ₹101k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹2 lakh monthly salary (Sept 2026): 107 of 119 cards state an income floor at or below ₹24 lakh a year, so you likely qualify. Best of them for a ₹101k/month card spend: SBI Card Air India SBI Signature (score 89, ₹35,391 net a year), then Platinum Travel. Approval is always the bank's call.

Standard profile
Scored for ₹200k/month salary · ₹101k/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

SBI Card Air India SBI Signature credit card
SBI Card× Air IndiaVisa

Air India SBI Signature

89
Net savings₹35,391/yr
Savings rate3.5%
Annual feeYou pay ₹5,899
Lounge✈8 dom

✓ Base rate 2% on other spends earns you about ₹15,165 a year on ₹7,58,254 of spend.

Details
American Express Platinum Travel credit card
American ExpressAmerican Express

Platinum Travel

85
Net savings₹31,808/yr
Savings rate3.1%
Annual feeYou pay ₹5,900
Lounge✈8 dom

✓ Base rate 1% on other spends earns you about ₹7,583 a year on ₹7,58,254 of spend.

Details
HDFC Bank Regalia Gold credit card
HDFC BankVisa

Regalia Gold

83
Net savings₹28,205/yr
Savings rate2.8%
Annual feeWaived ₹2,950
Lounge✈12 dom🌏6 intl

✓ Base rate 1.33% on other spends earns you about ₹8,289 a year on ₹6,23,254 of spend.

Details

All 107 cards with an income floor ≤ ₹24 lakh/yr

Cards for a ₹2 lakh salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card89/100₹35,391
3.5% rate		Income ₹10L+/yrYou pay ₹5,8998 domestic/yr
2American Express Platinum Travel credit cardPlatinum TravelAmerican Express85/100₹31,808
3.1% rate		Income ₹6L+/yr; select citiesYou pay ₹5,9008 domestic/yr
3HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank83/100₹28,205
2.8% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹2,95012 domestic + 6 international/yr
4HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank79/100₹25,376
2.5% rate		Income ₹21L+/yr or ₹1.75L+/month salaryWaived ₹11,800unlimited domestic + unlimited international/yr
5HDFC Bank Diners Club Privilege credit cardDiners Club PrivilegeHDFC Bank78/100₹24,812
2.4% rate		Income ₹6L+/yrWaived ₹2,9508 domestic/yr
6HDFC Bank Millennia credit cardMillenniaHDFC Bank78/100₹23,183
2.3% rate		Income ₹6L+/yr or ₹35k+/month salaryWaived ₹1,1808 domestic/yr
7Axis Bank ACE credit cardACEAxis Bank × Google Pay76/100₹20,265
2.0% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
8SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card73/100₹27,608
2.7% rate		Income ₹3L+/yr; salaried preferredWaived ₹1,179No lounge access
9SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card73/100₹22,756
2.2% rate		Income ₹12L+/yrWaived ₹5,8998 domestic + 6 international/yr
10HSBC HSBC Live+ credit cardHSBC Live+HSBC72/100₹21,881
2.1% rate		Income ₹4L+/yr; HSBC serviceable citiesWaived ₹1,1792 domestic + 1 international/yr
11Standard Chartered Ultimate credit cardUltimateStandard Chartered72/100₹21,747
2.1% rate		Income ₹24L+/yrYou pay ₹5,900unlimited domestic/yr
12HDFC Bank Regalia credit cardRegaliaHDFC Bank71/100₹20,705
2.0% rate		Income ₹12L+/yrWaived ₹2,95012 domestic + 6 international/yr
13Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank69/100₹16,172
1.6% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
14Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered67/100₹19,354
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
15Bank of Baroda BOBCARD ETERNA credit cardBOBCARD ETERNABank of Baroda67/100₹18,291
1.8% rate		Income ₹12L+/yrWaived ₹2,9494 domestic/yr
16HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank66/100₹20,682
2.0% rate		Income ₹12L+/yr or ₹1L+/month salaryYou pay ₹3,54012 domestic + 12 international/yr
17SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card66/100₹17,156
1.7% rate		Income ₹6L+/yrWaived ₹3,5398 domestic + 4 international/yr
18Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank66/100₹13,433
1.3% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
19SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card65/100₹16,734
1.6% rate		Income ₹3L+/yrWaived ₹1,7694 domestic/yr
20AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank65/100₹16,669
1.6% rate		Income ₹18L+/yrWaived ₹5,899unlimited domestic + 4 international/yr
21IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL63/100₹18,075
1.5% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
22HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank63/100₹17,607
1.5% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹1,7698 domestic + 4 international/yr
23Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda61/100₹14,366
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
24IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank61/100₹14,277
1.4% rate		Income ₹18L+/yrWaived ₹7,07912 domestic + 12 international/yr
25IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank61/100₹14,277
1.4% rate		Income ₹12L+/yrWaived ₹3,5398 domestic + 8 international/yr
26Bank of Baroda BOBCARD TIARA credit cardBOBCARD TIARABank of Baroda61/100₹14,147
1.4% rate		Income ₹3L+/yrWaived ₹2,9494 domestic/yr
27Axis Bank SELECT credit cardSELECTAxis Bank61/100₹14,004
1.4% rate		Income ₹9L+/yrWaived ₹3,5408 domestic + 6 international/yr
28Axis Bank Atlas credit cardAtlasAxis Bank60/100₹20,140
2.0% rate		Income ₹12L+/yrYou pay ₹5,9008 domestic + 4 international/yr
29Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank60/100₹14,648
1.4% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr
30AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank59/100₹19,116
1.9% rate		Income ₹18L+/yrWaived ₹9,439unlimited domestic + 4 international/yr

Showing 30 of 107.

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₹1.5 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 ₹2 lakh salary?

Likely yes: SBI Card Air India SBI Signature, American Express Platinum Travel, HDFC Bank Regalia Gold, HDFC Bank Diners Club Black Metal publish income floors at or below ₹24 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 (₹101k 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.