Eligibility · ₹3 lakh/month · updated 2026-09-19

Best credit cards for a ₹3 lakh monthly salary

Cards whose published income floor you clear at ₹3 lakh a month (₹36 lakh a year), ranked in rupees for a ₹151k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹3 lakh monthly salary (Sept 2026): 111 of 119 cards state an income floor at or below ₹36 lakh a year, so you likely qualify. Best of them for a ₹151k/month card spend: Yes Bank Marquee (score 94, ₹43,226 net a year), then Air India SBI Signature. Approval is always the bank's call.

Standard profile
Scored for ₹300k/month salary · ₹151k/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

Yes Bank Marquee credit card
Yes BankMastercard

Marquee

94
Net savings₹43,226/yr
Savings rate2.8%
Annual feeWaived ₹5,899
Lounge✈∞ dom🌏6 intl

✓ 36 points/₹200 on online spends earns you about ₹31,894 a year on ₹7,08,756 of spend.

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

Air India SBI Signature

89
Net savings₹43,536/yr
Savings rate2.8%
Annual feeYou pay ₹5,899
Lounge✈8 dom

✓ Base rate 2% on other spends earns you about ₹22,748 a year on ₹11,37,379 of spend.

Details
HDFC Bank Diners Club Black Metal credit card
HDFC Bank× Diners ClubDiners Club

Diners Club Black Metal

88
Net savings₹38,063/yr
Savings rate2.5%
Annual feeWaived ₹11,800
Lounge✈∞ dom🌏∞ intl

✓ Base rate 2.67% on other spends earns you about ₹24,961 a year on ₹9,34,879 of spend.

Details

All 111 cards with an income floor ≤ ₹36 lakh/yr

Cards for a ₹3 lakh salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1Yes Bank Marquee credit cardMarqueeYes Bank94/100₹43,226
2.8% rate		Income ₹36L+/yrWaived ₹5,899unlimited domestic + 6 international/yr
2SBI Card Air India SBI Signature credit cardAir India SBI SignatureSBI Card89/100₹43,536
2.8% rate		Income ₹10L+/yrYou pay ₹5,8998 domestic/yr
3HDFC Bank Diners Club Black Metal credit cardDiners Club Black MetalHDFC Bank88/100₹38,063
2.5% rate		Income ₹21L+/yr or ₹1.75L+/month salaryWaived ₹11,800unlimited domestic + unlimited international/yr
4Standard Chartered Ultimate credit cardUltimateStandard Chartered83/100₹35,571
2.3% rate		Income ₹24L+/yrYou pay ₹5,900unlimited domestic/yr
5HDFC Bank Regalia Gold credit cardRegalia GoldHDFC Bank83/100₹34,807
2.3% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹2,95012 domestic + 6 international/yr
6Axis Bank ACE credit cardACEAxis Bank × Google Pay83/100₹30,098
2.0% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
7HDFC Bank Diners Club Privilege credit cardDiners Club PrivilegeHDFC Bank82/100₹34,218
2.2% rate		Income ₹6L+/yrWaived ₹2,9508 domestic/yr
8American Express Platinum Travel credit cardPlatinum TravelAmerican Express81/100₹36,161
2.4% rate		Income ₹6L+/yr; select citiesYou pay ₹5,9008 domestic/yr
9HDFC Bank Millennia credit cardMillenniaHDFC Bank76/100₹26,974
1.8% rate		Income ₹6L+/yr or ₹35k+/month salaryWaived ₹1,1808 domestic/yr
10SBI Card SBI Card MILES ELITE credit cardSBI Card MILES ELITESBI Card75/100₹28,537
1.9% rate		Income ₹10L+/yrWaived ₹5,8998 domestic + 6 international/yr
11Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered74/100₹29,032
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
12SBI Card SBI Card ELITE credit cardSBI Card ELITESBI Card73/100₹27,884
1.8% rate		Income ₹12L+/yrWaived ₹5,8998 domestic + 6 international/yr
13HDFC Bank Regalia credit cardRegaliaHDFC Bank73/100₹27,307
1.8% rate		Income ₹12L+/yrWaived ₹2,95012 domestic + 6 international/yr
14Axis Bank Atlas credit cardAtlasAxis Bank72/100₹34,410
2.2% rate		Income ₹12L+/yrYou pay ₹5,9008 domestic + 4 international/yr
15Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank72/100₹22,458
1.5% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
16AU Small Finance Bank Zenith+ credit cardZenith+AU Small Finance Bank71/100₹25,003
1.6% rate		Income ₹18L+/yrWaived ₹5,899unlimited domestic + 4 international/yr
17HSBC HSBC Live+ credit cardHSBC Live+HSBC70/100₹25,622
1.7% rate		Income ₹4L+/yr; HSBC serviceable citiesWaived ₹1,1792 domestic + 1 international/yr
18Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank70/100₹20,149
1.3% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
19HDFC Bank Tata Neu Infinity HDFC Bank credit cardTata Neu Infinity HDFC BankHDFC Bank68/100₹26,409
1.5% rate		Income ₹12L+/yr or ₹1L+/month salaryWaived ₹1,7698 domestic + 4 international/yr
20SBI Card SBI Card PRIME credit cardSBI Card PRIMESBI Card68/100₹22,584
1.5% rate		Income ₹6L+/yrWaived ₹3,5398 domestic + 4 international/yr
21SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card67/100₹29,486
1.9% rate		Income ₹3L+/yr; salaried preferredWaived ₹1,179No lounge access
22IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank67/100₹22,423
1.5% rate		Income ₹18L+/yrWaived ₹7,07912 domestic + 12 international/yr
23IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank67/100₹22,423
1.5% rate		Income ₹12L+/yrWaived ₹3,5398 domestic + 8 international/yr
24HDFC Bank Marriott Bonvoy HDFC Bank credit cardMarriott Bonvoy HDFC BankHDFC Bank66/100₹24,792
1.6% rate		Income ₹12L+/yr or ₹1L+/month salaryYou pay ₹3,54012 domestic + 12 international/yr
25SBI Card BPCL SBI Card OCTANE credit cardBPCL SBI Card OCTANESBI Card66/100₹21,567
1.4% rate		Income ₹3L+/yrWaived ₹1,7694 domestic/yr
26Bank of Baroda BOBCARD TIARA credit cardBOBCARD TIARABank of Baroda66/100₹21,221
1.4% rate		Income ₹3L+/yrWaived ₹2,9494 domestic/yr
27Axis Bank SELECT credit cardSELECTAxis Bank66/100₹21,006
1.4% rate		Income ₹9L+/yrWaived ₹3,5408 domestic + 6 international/yr
28AU Small Finance Bank Zenith credit cardZenithAU Small Finance Bank65/100₹28,674
1.9% rate		Income ₹18L+/yrWaived ₹9,439unlimited domestic + 4 international/yr
29IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL65/100₹24,713
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
30Kotak Mahindra Bank IndiGo Ka-ching 6E Rewards XL credit cardIndiGo Ka-ching 6E Rewards XLKotak Mahindra Bank65/100₹21,971
1.4% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr

Showing 30 of 111.

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₹2 lakh/monthStudentsNo income proofFD-secured cardsLow CIBIL scoreSelf-employed, no ITR

Frequently asked questions

Can I get a credit card on a ₹3 lakh salary?

Likely yes: Yes Bank Marquee, SBI Card Air India SBI Signature, HDFC Bank Diners Club Black Metal, Standard Chartered Ultimate publish income floors at or below ₹36 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 (₹151k 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.