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 incomes. The cardholder can upgrade the credit card or increase the credit limit on the card once the income goes higher. The following are some of the popular credit cards that will best suit the needs of low-income individuals. 

  1. HDFC Freedom Credit Card
    • Eligibility Salaried
      • Gross monthly income should be a minimum of Rs. 12,000
      • Age limit is between 21 to 60
  • Eligibility - Self-employed
    • ITR 2 Lakhs per annum
    • Age limit is between 21 to 65
  • Fees
    • The annual fee is Rs. 500, but can be waived off if the spends exceed Rs. 50,000
  • Features
    • 1 reward point on every spent of Rs. 150
    • Get up to 3 add-on cards

2. ICICI Platinum Chip Credit Card

  • Lifetime free credit card

  • Minimum age limit is 23 years

  • Built-in contactless technology to make quick payments

  • Fuel surcharge waiver

3. SimplySAVE SBI Card

  • The annual fee is Rs. 499

  • 1% fuel surcharge waiver

  • The minimum income required is Rs. 18,000

  • Age limit 18 to 60 years

4. Bajaj Finserv RBL Bank Super Card

  • Age limit  is between 25 to 65

  • You should have a minimum credit score of 750

  • You should be an Indian resident

  • EMI option available

If you are looking for a credit card with low income, you can check your eligibility for a wide range of credit cards at CreditMantri.