Both HDFC Bank and ICICI Bank are the leading private banks in the country, offering a wide range of credit cards to their customers. The minimum income requirement for credit cards of both the banks differ based on the type of credit card. Targeting different levels of customers based on their incomes, the credit cards are designed accordingly and provide different features.

1. HDFC Bank (Salaried Individuals)

  • General entry-level cards (e.g. Bharat Card, Freedom Card): minimum gross monthly income of ₹12,000.

  • MoneyBack+ Credit Card: minimum net monthly income of ₹20,000.

  • Swiggy HDFC Credit Card: minimum net monthly income of ₹15,000.

  • Millennia Credit Card: minimum net monthly income of ₹35,000.

  • Diners Club Privilege and similar premium cards: minimum net monthly income of ₹35,000.

To secure any HDFC credit card, the absolute lowest threshold for a salaried applicant is ₹12,000/month, but many basic card variants require ₹15,000–20,000/month, and premium ones ₹35,000/month or more.

2. ICICI Bank (Salaried Individuals)

  • Entry-level/basic cards: minimum monthly salary of around ₹15,000, or equivalent to an annual income of ₹2.4–2.5 lakh.

  • Many mainstream cards expect an annual income range of ₹2.5–3 lakh.

  • Premium cards, like:

    • Rubyx Credit Card: ₹50,000/month, or ₹5.5 lakh/year (if self-employed).

    • Higher-tier cards (e.g. Emeralde, Sapphiro) often require ₹15–30 lakh/year net income.

For basic ICICI cards, the minimum income is around ₹15,000/month—but expect ₹2.5–3 lakh/year. For premium cards, significantly higher thresholds apply.

Summary Table

Bank & Category Salaried Minimum Income Requirement
HDFC Bank (basic) ₹12,000/month
HDFC Bank (mid-tier) ₹15,000–20,000/month
HDFC Bank (premium) ₹35,000/month or more
ICICI Bank (basic) ₹15,000/month (~₹2.4–2.5 lakh/year)
ICICI Bank (premium) ₹50,000/month or significantly higher

Final Note

  • If your goal is to get any HDFC credit card, start with the threshold of ₹12,000/month.

  • For ICICI, the baseline is ₹15,000/month or around ₹2.5 lakh/year for basic cards.

  • But beyond those basics, the card you’re eligible for depends heavily on your income level—higher-end cards require substantially higher salaries.

Let me know if you’re aiming for a particular credit card—for example, the HDFC Millennia or ICICI Rubyx—and I can tell you the exact threshold for that card specifically.

    
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