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You can get a credit card with a salary of Rs. 12,000, but you would have limited options. Each lender would have their own criteria of qualifying for a credit card. Lenders would want to know if you will be able to pay your credit card bills on time every month. To know about your repaying capabilities, your credit history will be checked. Having a good credit background would get you better chances of qualifying for a credit card even though your choices may be limited. But having a bad credit background can bring down your chances of getting a credit card.

You can get a credit card with a salary of Rs. 10,000, but you won’t have a wide variety of options when it comes to picking the credit card you want. You might not even be able to get a credit card from a specific lender that you prefer. Only a very few lenders will have credit cards for people who have a salary of Rs. 10,000. Apart from your salary, your credit history will also be checked, if you want to qualify for these credit cards. If you have a good credit score, you have a better chance of getting approved for a reasonable credit limit. 

You can now get a credit card in India even if it is less than Rs. 20,000 per month. Most banks offer an exclusive credit card for people with low income. The card holder can upgrade the credit card or increase the credit limit on the card once the income goes higher. Following are some of the popular credit cards that will best suit the needs of low income individuals. 

Bank of Baroda offers four types of credit cards to their customers namely Easy, Select, Premier and Prime. Among the four credit cards, Easy and Prime are best suited for low income earners. Following are features and benefits of the cards.

Krazybee Student Paycard works just like a credit card. You can easily transfer money from this card to Paytm under the credit card option. Moreover, the card can be used at e-commerce portal such as Amazon, Snapdeal, Myntra and Jabong.

Yes, you can pay your ICICI Bank credit card bill through Google Pay. Following are the steps to be followed.

Google is a payment facilitator which can be used to make payments via bank accounts that is connected to the application. For Indian users, as of now, there is no provision to transfer money from credit card to Google Pay or add a debit or credit card to the app to make payments.

Google Pay is a payment application that facilitates payments from one bank account to another. Currently, there is no provision to pay your SBI credit card bills via Google Pay.

Usually, an applicant with a bad credit score doesn’t get approved for a good credit card. Even if you get approved for a credit card, you wouldn’t get one of the best cards. Plus, the interest rates that you would have to pay will be very high.

There is no special provision for credit bill payment on Google Pay application. However, credit card bills can be paid through UPI enabled e-wallets using QR code. For this, the respective banks will have to facilitate the payment procedure through e-wallets (UPI)

You can check your ICICI Bank credit card balance easily by sending an SMS to 5676766 or 9215676766. The SMS to be sent is as follows - IBALCC Last 6 digits of your credit card number.

You can check your IndusInd Bank credit card balance using IndusAlerts. You need an IndusInd Bank credit card which is active and the mobile number from which you want to send the SMS from should be registered with IndusInd Bank.

SBI Card ELITE comes with numerous benefits to the cardholders. It has plenty of features catering to travel needs. You can use the welcome voucher worth Rs. 5000 at where you can book tickets at different airliners.

RBL Bank is one of the most popular banks in India that currently provides over 35 credit cards under different categories. It is hard to just pick one credit card as the best for everyone. Based on your eligibility, income, credit score and spending habits, you can choose the RBL credit card that is right for you.

Amazon Pay ICICI Bank Credit Card is a credit card issued by ICICI Bank in association with Amazon Pay Private Limited and VISA. People who often shop on will be able to save more with the cashback offers that are provided. The earnings mechanism for this credit card is designed to provide earnings for every purchase, both on and off The earnings are provided in the form of Amazon Pay balance under the Gift and Credit section.

The best credit card to use for shopping on Flipkart is Axis Bank Buzz Credit Card. Even though you’ll be able to use other credit cards while shopping, using Axis Bank Buzz Credit Card will get you added benefits that include Flipkart vouchers of up to Rs. 8000.

The best credit card to use for shopping on Amazon is Amazon Pay ICICI Bank Credit Card. If you shop frequently with Amazon, this is the card for you as you get loads of cash back benefits. This card is issued by ICICI bank in association with Amazon Pay (India) Private Limited (Amazon) and Visa.

ICICI Bank Coral VISA Platinum credit card is a lifestyle credit card that lets you earn reward points as you shop. You can redeem these reward points for a range of categories like merchandise, travel and lot more. People who dine out often, movie buffs, people who tend to travel a lot will definitely get a lot of benefits out of this credit card:

For people who travel a lot, have a great chance of using airline miles. You accumulate a set of air miles based on how far you fly or how much you spend on your credit card.

KrazyBee is a platform that helps college students to purchase anything online and they can pay back in easy monthly instalments.

Banks give you the option of letting you pay the minimum amount due in case you are not able to pay the full amount due. So the rest of the amount that is due is carried on to the next months bank statement, which will have to be paid back along with interest.

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