5 Best Credit Cards for a Salaried Person in 2025- Check now

You are not wrong if you’re still confused about choosing a credit card for yourself, because the market is flooded with a vast variety of credit cards available for a salaried person. Today, credit cards are an important part of every working individual's life because they provide additional financial assistance whenever you require urgent money. To help you choose an appropriate credit card according to your income, FindCreditLoan has listed the 5 best credit cards for a salaried person in 2025. 

In this blog, you’ll learn about the 5 best credit cards for a salaried person, with their features, rewards, benefits, and much more essential information.  By the end of this blog, you’ll be applying for your desired credit card.

Features of credit cards

Below are the features of credit cards:

• Credit limit: Every credit card has a credit limit, which is set by the bank or another organization that issues the card. 
• The grace period: The bank gives a grace period of 30-45 days in which no interest is applied if you pay the bill within the given time. 
• Charges: A credit card always comes with certain charges that you have to pay, like a joining fee, late fine charges, annual charges, forex charges, etc.
• Benefits: Credit cards offer various benefits like rewards, bonuses, welcome benefits, cash back, etc.
• Interest Rates: You have to pay a fixed interest rate on outstanding bills.

Benefits of credit cards

Using a credit card has the following advantages:

• Rewards: People use credit cards because they offer generous rewards like cash back, discounts, vouchers, etc.
• Emergency funds: If you require emergency financial assistance credit card is the best. 
• Convenience: Making payments with credit cards is pretty convenient, as they are accepted worldwide. 
• Safe: Credit cards are safe as banks keep track of your transactions and take immediate action if any fraud or scam happens. Also, carrying cash everywhere can put you at risk so but with credit cards, it’s the opposite.
• Improve credit score: If you use your credit card wisely and make payments timely, it will help in improving your credit score. 

5 Best Credit Cards for a Salaried Person

It's easy to apply for a credit card, but it might be challenging to choose the proper one. You can apply for these credit cards if you are a salaried person or have a steady source of income. The best credit cards are:

 1. HDFC Bank Regalia Credit Card

This card is one of the best cards offered by HDFC because it offers numerous advantages to its consumers.

Charges of the Card: The joining and annual fee is 2500+GST. However, you can waive off the annual fee if you spend Rs. 3 lakh in a year.

Benefits of the Regalia Credit Card: This card grants:

• A gift voucher worth ₹2,500
• Complimentary airport lounge access within and outside India
• Reward points on almost all expenses
• Flight vouchers worth Rs. 5000 on Rs. 5 lakhs
• Dining benefits of up to 20% off on exclusive restaurants across India
• Convert reward points into flights/hotels bookings, shopping vouchers, etc.
• Enjoy a 1% fuel surcharge waiver
• Worldwide accepted card with a low forex markup fee
• Zero cost liability of the card 

The HDFC Regalia Credit Card is one of the best credit cards that can enhance your lifestyle and maximize your savings. Apply now with Findcreditloan.

2. SBI SimplyClick Credit Card

 If you frequently shop online for all of your basic needs, then this card is best for you. You can save more on all your shopping purchases, and can maximize your savings. 

Fees: The joining and renewal fee is Rs. 499 plus GST. However, if you spend Rs 1 lakh annually, your renewal fee will be waived.

Features and benefits of the SBI SimplyClick Credit Card: With this card, you get:

• Receive an Amazon gift voucher worth Rs 500 post joining.
• Earn exclusive reward points up to 10X on all online expenses.
• Earn 1 reward point on offline expenses.
• Get a 1% fuel surcharge waiver. 
• You convert your expenses into EMIs.
• A contactless card that is globally accepted.
• Add family members with the add-on card facility.

Save money on all of your online purchases by applying for the SBI SimplyClick card right now.

3. American Express Membership Reward Credit Card  

Amex cards are quite difficult to get, but are desired by every salaried individual. You can get this card if your annual income is higher than 6 lakhs. If you have this card, you’re entitled to these benefits:

Charges: The joining fee is Rs 1000, and the renewal fee is Rs 4500. Both are subject to GST. However, if you satisfy the minimum spending requirements, you can avoid paying the renewal cost.

Benefits that are offered with the card: You can enjoy these advantages:

• Post joining, get a 4000 bonus membership reward points.
• Pay your first renewal fee and enjoy 5000 bonus membership reward points.
• Use this card 4 times in a month and earn 1000 bonus membership reward points.
• Enjoy up to a discount of 20% at selected dining restaurants 
• No convenience fee on fuel expenses below 5000 rupees 
• 1% convenience fee on fuel transactions 
• Convert purchases into easy EMIs.
• Redeem reward points against hotel vouchers, flight vouchers, shopping vouchers, and much more.

Choose this card if you want to enjoy benefits on all your expenses and grow your savings. Apply now.

4. ICICI Amazon Pay Credit Card

If you want a card that doesn’t require any fee, then get yourself this ICICI bank card. ICICI Amazon Pay credit card requires no joining or renewal fee, which makes it accessible to every salaried person.

Benefits of the card: This card offers various benefits, such as:

• Get a 3-month Amazon Prime membership for free after joining.
• Cashbacks and discounts up to Rs 2000 as a welcome gift
• Get up to 5% cashback on practically all of your purchases.
• Get a 1% fuel surcharge waiver 
• Cashbacks never expire
• Cashback gets automatically transferred to your Amazon Pay account.
• Additional benefits for ICICI bank account holders.

If you think this card can perfectly fulfill all your requirements, then don’t wait and apply now. 

5. Cashback SBI Credit Card. 

This SBI card is great as it offers cashback on most of your expenses done online and offline. You should get this card because:

Fee: the joining and renewal fee is just Rs. 999+GST. You can eliminate the annual fee if you spend Rs 2 lakhs in a year.

Benefits of the card: With this card, you get to enjoy:

• 5% cashback on online expenses
• 1% cashback on offline expenses
• You can earn cashback up to Rs. 5000 in a month.
• Get a 1% fuel surcharge 
• Cashback gets automatically transferred to your account.

If you’re looking for cashbacks on all your transactions and expenses, then the Cashback SBI Credit Card is for you. Apply now and start earning cashbacks.

Please note: The features, benefits, fees, and all the essential details regarding these cards are subject to change anytime. Before applying, check the lender's official website or visit them personally if possible.

Also Read :- Personal Loan in Delhi NCR Get up to ₹50 Lakh Apply Now
 

Bottom Line

The best credit cards for a salaried individual are all those listed above. The top 5 cards offer numerous benefits on shopping, traveling, fuel, bill payments, and much more. You can earn cashback, rewards, gift vouchers, complimentary lounge access, and more with these cards. If you’re looking for credit cards for a salaried person, then these 5 are the best as they perfectly fit well with your income and needs. 

Frequently Asked Questions? (FAQs)

What are the eligibility criteria for a salaried person to get a credit card?

The eligibility criteria usually differ from bank to bank. However, the basic eligibility criteria that remain the same for all are: 

• Age should be above 18
• Hold Indian Citizenship
• Should have a stable income source
• Should be employed with a registered firm

How to apply for a Cashback SBI credit card?

To apply for a Cashback SBI credit card, visit ‘findcreditloan’ website, click on ‘credit card’, choose ‘SBI’ from credit card section and scroll down to the Cashback SBI card, click on ‘Apply Now’ and fill in all your details, and lastly recheck all the information before submitting.

Am I eligible for a credit card if my salary is Rs. 25,000 monthly?

Yes, you are eligible for a credit card if your salary is 25k monthly. Make sure to check the income eligibility criteria before applying.