Eligibility · ₹30,000/month · updated 2026-09-19

Best credit cards for a ₹30,000 monthly salary

Cards whose published income floor you clear at ₹30,000 a month (₹3.6 lakh a year), ranked in rupees for a ₹15k/month spend. “Likely eligible” – never a promise of approval.

Credit cards for a ₹30,000 monthly salary (Sept 2026): 70 of 119 cards state an income floor at or below ₹3.6 lakh a year, so you likely qualify. Best of them for a ₹15k/month card spend: HDFC Bank PIXEL Play (score 82, ₹3,156 net a year), then Paisabazaar PaisaSave. Approval is always the bank's call.

Standard profile
Scored for ₹30k/month salary · ₹15k/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

HDFC Bank PIXEL Play credit card
HDFC BankVisa

PIXEL Play

82
Net savings₹3,156/yr
Savings rate2.1%
Annual feeWaived ₹590
Lounge✈ none

✓ 5% on chosen packs (we assume Dining & Entertainment + Grocery) earns you about ₹2,228 a…

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

Paisabazaar PaisaSave

81
Net savings₹3,367/yr
Savings rate1.9%
Annual feeWaived ₹589
Lounge✈ none

✓ 3% on online spends (cap ₹1,000/mo) earns you about ₹2,127 a year on ₹70,890 of spend.

Details
SBI Card CASHBACK SBI Card credit card
SBI CardVisa

CASHBACK SBI Card

80
Net savings₹2,963/yr
Savings rate1.9%
Annual feeYou pay ₹1,179
Lounge✈ none

✓ 5% on all online spends (₹2,000/month cap from 1 Apr 2026) earns you about ₹3,545 a year…

Details

All 70 cards with an income floor ≤ ₹3.6 lakh/yr

Cards for a ₹30,000 salary
#CardScoreNet savings / yrStated eligibilityAnnual feeLounge
1HDFC Bank PIXEL Play credit cardPIXEL PlayHDFC Bank82/100₹3,156
2.1% rate		Income ₹3L+/yr or ₹25k+/month salaryWaived ₹590No lounge access
2Yes Bank Paisabazaar PaisaSave credit cardPaisabazaar PaisaSaveYes Bank81/100₹3,367
1.9% rate		Income ₹3L+/yrWaived ₹589No lounge access
3SBI Card CASHBACK SBI Card credit cardCASHBACK SBI CardSBI Card80/100₹2,963
1.9% rate		Income ₹3L+/yr; salaried preferredYou pay ₹1,179No lounge access
4IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL79/100₹3,707
2.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
5SBI Card SimplyCLICK SBI Card credit cardSimplyCLICK SBI CardSBI Card78/100₹3,110
2.0% rate		Income ₹2L+/yr; easy approvalWaived ₹589No lounge access
6Kotak Mahindra Bank Zen Signature credit cardZen SignatureKotak Mahindra Bank77/100₹3,098
2.0% rate		Income ₹3L+/yrWaived ₹1,7708 domestic/yr
7Axis Bank Airtel Axis Bank credit cardAirtel Axis BankAxis Bank75/100₹2,831
1.8% rate		Income ₹3L+/yrYou pay ₹590No lounge access
8AU Small Finance Bank LIT credit cardLITAU Small Finance Bank74/100₹3,019
2.0% rate		Income ₹3L+/yrFree for life4 domestic/yr
9Standard Chartered EaseMyTrip Standard Chartered credit cardEaseMyTrip Standard CharteredStandard Chartered72/100₹2,904
1.9% rate		Income ₹3L+/yrWaived ₹4134 domestic/yr
10HDFC Bank IndianOil HDFC Bank credit cardIndianOil HDFC BankHDFC Bank72/100₹2,783
1.8% rate		Income ₹3L+/yrWaived ₹590No lounge access
11Axis Bank ACE credit cardACEAxis Bank × Google Pay70/100₹2,451
1.6% rate		Income ₹3L+/yrYou pay ₹589No lounge access
12ICICI Bank Amazon Pay ICICI Bank credit cardAmazon Pay ICICI BankICICI Bank69/100₹2,223
1.5% rate		Income ₹3L+/yr; instant issuance for many Amazon usersFree for lifeNo lounge access
13Federal Bank Scapia Federal Bank credit cardScapia Federal BankFederal Bank67/100₹2,613
1.7% rate		Income ₹3L+/yr; digital onboardingFree for lifeunlimited domestic/yr
14Standard Chartered Smart credit cardSmartStandard Chartered65/100₹2,015
1.3% rate		Income ₹3L+/yrWaived ₹589No lounge access
15Bank of Baroda HPCL BOBCARD ENERGIE credit cardHPCL BOBCARD ENERGIEBank of Baroda60/100₹2,155
1.4% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
16ICICI Bank HPCL Super Saver ICICI Bank credit cardHPCL Super Saver ICICI BankICICI Bank57/100₹2,035
1.3% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr
17AU Small Finance Bank Altura Plus credit cardAltura PlusAU Small Finance Bank55/100₹1,570
1.0% rate		Income ₹3L+/yrWaived ₹5894 domestic/yr
18SBI Card Paytm SBI Card credit cardPaytm SBI CardSBI Card55/100₹1,475
1.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
19HDFC Bank 6E Rewards IndiGo HDFC Bank credit card6E Rewards IndiGo HDFC BankHDFC Bank50/100₹1,752
1.1% rate		Income ₹3L+/yrWaived ₹590No lounge access
20Yes Bank Kiwi (Yes Bank RuPay) credit cardKiwi (Yes Bank RuPay)Yes Bank50/100₹1,423
0.8% rate		Income ₹3L+/yrFree for lifeNo lounge access
21Uni (Yes Bank RuPay) Uni Card credit cardUni CardUni (Yes Bank RuPay)50/100₹1,423
0.8% rate		Income ₹3L+/yrFree for lifeNo lounge access
22HDFC Bank Tata Neu Plus HDFC Bank credit cardTata Neu Plus HDFC BankHDFC Bank49/100₹1,817
1.0% rate		Income ₹3L+/yr or ₹25k+/month salaryWaived ₹5894 domestic/yr
23Axis Bank Flipkart Axis Bank credit cardFlipkart Axis BankAxis Bank49/100₹1,425
0.9% rate		Income ₹3L+/yrYou pay ₹590No lounge access
24HDFC Bank MoneyBack+ credit cardMoneyBack+HDFC Bank48/100₹1,480
1.0% rate		Income ₹3L+/yrWaived ₹590No lounge access
25SBI Card SimplySAVE SBI Card credit cardSimplySAVE SBI CardSBI Card48/100₹1,456
1.0% rate		Income ₹3L+/yrWaived ₹589No lounge access
26SBI Card Yatra SBI Card credit cardYatra SBI CardSBI Card47/100₹1,643
1.1% rate		Income ₹3L+/yrWaived ₹589No lounge access
27Bank of Baroda BOBCARD PREMIER credit cardBOBCARD PREMIERBank of Baroda47/100₹1,471
1.0% rate		Income ₹3L+/yrWaived ₹1,1804 domestic/yr
28Kotak Mahindra Bank Myntra Kotak credit cardMyntra KotakKotak Mahindra Bank47/100₹1,296
0.8% rate		Income ₹3L+/yrYou pay ₹590No lounge access
29RBL Bank ShopRite credit cardShopRiteRBL Bank46/100₹1,415
0.9% rate		Income ₹3L+/yrWaived ₹590No lounge access
30Axis Bank MY ZONE credit cardMY ZONEAxis Bank46/100₹1,380
0.9% rate		Income ₹3L+/yrWaived ₹5904 domestic/yr

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₹25,000/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 ₹30,000 salary?

Likely yes: HDFC Bank PIXEL Play, Yes Bank Paisabazaar PaisaSave, CASHBACK SBI Card, IDFC FIRST Bank FIRST Power+ (HPCL) publish income floors at or below ₹3.6 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 (₹15k 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.