Eligibility · ₹25,000/month · updated 2026-09-19

Best credit cards for a ₹25,000 monthly salary

Cards whose published income floor you clear at ₹25,000 a month (₹3 lakh a year), ranked in rupees for a ₹13k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹25,000 monthly salary (Sept 2026): 70 of 119 cards state an income floor at or below ₹3 lakh a year, so you likely qualify. Best of them for a ₹13k/month card spend: SimplyCLICK SBI Card (score 85, ₹2,891 net a year), then PIXEL Play. Approval is always the bank's call.

Standard profile
Scored for ₹25k/month salary · ₹13k/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 SimplyCLICK SBI Card credit card
SBI CardVisa

SimplyCLICK SBI Card

85
Net savings₹2,891/yr
Savings rate2.3%
Annual feeWaived ₹589
Lounge✈ none

✓ 5X on all other online spends earns you about ₹615 a year on ₹49,232 of spend.

Details
HDFC Bank PIXEL Play credit card
HDFC BankVisa

PIXEL Play

82
Net savings₹2,630/yr
Savings rate2.1%
Annual feeWaived ₹590
Lounge✈ none

✓ 5% on chosen packs (we assume Dining & Entertainment + Grocery) earns you about ₹1,857 a…

Details
Yes Bank Paisabazaar PaisaSave credit card
Yes Bank× PaisabazaarRuPay · UPI

Paisabazaar PaisaSave

81
Net savings₹2,806/yr
Savings rate1.9%
Annual feeWaived ₹589
Lounge✈ none

✓ 3% on online spends (cap ₹1,000/mo) earns you about ₹1,772 a year on ₹59,077 of spend.

Details

All 70 cards with an income floor ≤ ₹3 lakh/yr

Cards for a ₹25,000 salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1SBI Card SimplyCLICK SBI Card credit cardSimplyCLICK SBI CardSBI Card85/100₹2,891
2.3% rate		Income ₹2L+/yr; easy approvalWaived ₹589No lounge access
2HDFC Bank PIXEL Play credit cardPIXEL PlayHDFC Bank82/100₹2,630
2.1% rate		Income ₹3L+/yr or ₹25k+/month salaryWaived ₹590No lounge access
3Yes Bank Paisabazaar PaisaSave credit cardPaisabazaar PaisaSaveYes Bank81/100₹2,806
1.9% rate		Income ₹3L+/yrWaived ₹589No lounge access
4IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL78/100₹3,090
2.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
5HDFC Bank IndianOil HDFC Bank credit cardIndianOil HDFC BankHDFC Bank76/100₹2,511
2.0% rate		Income ₹3L+/yrWaived ₹590No lounge access
6SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card75/100₹2,273
1.8% rate		Income ₹3L+/yr; salaried preferredYou pay ₹1,179No lounge access
7AU Small Finance Bank LIT credit cardLITAU Small Finance Bank74/100₹2,515
2.0% rate		Income ₹3L+/yrFree for life4 domestic/yr
8Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered72/100₹2,420
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
9Axis Bank Airtel Axis Bank credit cardAirtel Axis BankAxis Bank72/100₹2,262
1.8% rate		Income ₹3L+/yrYou pay ₹590No lounge access
10ICICI Bank Amazon Pay ICICI Bank credit cardAmazon Pay ICICI BankICICI Bank69/100₹1,853
1.5% rate		Income ₹3L+/yr; instant issuance for many Amazon usersFree for lifeNo lounge access
11Federal Bank Scapia Federal Bank credit cardScapia Federal BankFederal Bank67/100₹2,177
1.7% rate		Income ₹3L+/yr; digital onboardingFree for lifeunlimited domestic/yr
12Axis Bank ACE credit cardACEAxis Bank × Google Pay67/100₹1,945
1.5% rate		Income ₹3L+/yrYou pay ₹589No lounge access
13Standard Chartered Smart credit cardSmartStandard Chartered64/100₹1,679
1.3% rate		Income ₹3L+/yrWaived ₹589No lounge access
14Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda60/100₹1,796
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
15AU Small Finance Bank Altura Plus credit cardAltura PlusAU Small Finance Bank58/100₹1,408
1.1% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
16SBI Card Paytm SBI Card credit cardPaytm SBI CardSBI Card55/100₹1,229
1.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
17HDFC Bank 6E Rewards IndiGo HDFC Bank credit card6E Rewards IndiGo HDFC BankHDFC Bank50/100₹1,460
1.1% rate		Income ₹3L+/yrWaived ₹590No lounge access
18Yes Bank Kiwi (Yes Bank RuPay) credit cardKiwi (Yes Bank RuPay)Yes Bank50/100₹1,186
0.8% rate		Income ₹3L+/yrFree for lifeNo lounge access
19Uni (Yes Bank RuPay) Uni Card credit cardUni CardUni (Yes Bank RuPay)50/100₹1,186
0.8% rate		Income ₹3L+/yrFree for lifeNo lounge access
20HDFC Bank Tata Neu Plus HDFC Bank credit cardTata Neu Plus HDFC BankHDFC Bank49/100₹1,514
1.0% rate		Income ₹3L+/yr or ₹25k+/month salaryWaived ₹5894 domestic/yr
21HDFC Bank MoneyBack+ credit cardMoneyBack+HDFC Bank48/100₹1,233
1.0% rate		Income ₹3L+/yrWaived ₹590No lounge access
22SBI Card SimplySAVE SBI Card credit cardSimplySAVE SBI CardSBI Card48/100₹1,213
1.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
23SBI Card Yatra SBI Card credit cardYatra SBI CardSBI Card47/100₹1,369
1.1% rate		Income ₹3L+/yrWaived ₹589No lounge access
24Bank of Baroda BOBCARD PREMIER credit cardBOBCARD PREMIERBank of Baroda46/100₹1,226
1.0% rate		Income ₹3L+/yrWaived ₹1,1804 domestic/yr
25Axis Bank MY ZONE credit cardMY ZONEAxis Bank46/100₹1,150
0.9% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
26IndusInd Bank Tiger credit cardTigerIndusInd Bank46/100₹1,147
0.9% rate		Income ₹3L+/yrFree for lifeNo lounge access
27Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank46/100₹1,089
0.9% rate		Income ₹3L+/yrYou pay ₹590No lounge access
28CSB Bank Jupiter Edge CSB Bank credit cardJupiter Edge CSB BankCSB Bank45/100₹1,009
0.7% rate		Income ₹3L+/yrFree for lifeNo lounge access
29Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank44/100₹982
0.8% rate		Income ₹3L+/yrYou pay ₹590No lounge access
30Axis Bank IndianOil Axis Bank credit cardIndianOil Axis BankAxis Bank43/100₹1,165
0.8% rate		Income ₹3L+/yrWaived ₹590No lounge access

Showing 30 of 70.

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₹30,000/month₹50,000/month₹1 lakh/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 ₹25,000 salary?

Likely yes: SimplyCLICK SBI Card, HDFC Bank PIXEL Play, Yes Bank Paisabazaar PaisaSave, IDFC FIRST Bank FIRST Power+ (HPCL) publish income floors at or below ₹3 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 (₹13k 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.