5 Top Credit Cards for Self-Employed – Apply Online Now

Being a self-employed person, it's challenging to get a credit card because of the fluctuations in income; on some days, you have stable income, and on some days, you’re struggling. Banks are reluctant to give you a credit card because of your inconsistent income. Now, you must be thinking that I should stop applying for a credit card because I own a business and banks are not interested in offering a card to business owners; however, let me correct you here, there are credit cards that are suitable for self-employed individuals, and banks do approve them. 

In this blog, you’ll discover the best credit cards for self-employed people and how easily you can apply for them. Without wasting any minute, let’s start with it.

List of Best Credit Cards for Self-Employed People

To all the self-employed individuals, do not worry about not getting a credit card because now you’ll get one. On findcreditloan, we have the best credit cards that are suitable for business owners, and here are the best 5 out of them.

1. IDFC First Millennia Credit Card 

If this is your first time applying for a credit card, this card is the best. 

Charges: This card has no joining and renewal fee, I mean that’s great, right? 

Benefits of IDFC First Millennia Card: if you get this card, you get:

• Reward points for online and offline purchases
• Special reward points for birthday expenses
• You get to experience 4 railway lounge accesses for free every quarter
• Discounts on movie tickets and dining at exclusive restaurants 
• Exemption from the 1% fuel surcharge

Apply now and enjoy saving on all your expenses.

2. Yes Bank Ace Credit Card 

You can ace your savings game if you opt for the Yes Bank Ace Credit Card. 

Fees: A membership fee of Rs. 499 plus GST is required. 

Benefits of the card: This card gives you:

• You get the membership cost back if you spend Rs. 5,000 in a month.
• If you spend Rs. 50,000, the renewal price is waived, but before the renewal date.
• Get reward points on every online and offline purchase
• Purchase electronics with this card and get 6 months of insurance free
• Exemption from the 1% fuel surcharge
• Manage card safety through your mobile phone

With the Yes Bank Ace Credit Card, you can get rewards and benefits on almost all of your day-to-day expenses. Apply now to maximize your income.

3. HDFC Freedom Credit Card 

It is a low-cost credit card with fantastic benefits.

Fees: The joining and renewal fees cost Rs. 500 plus GST. 

Benefits: With the HDFC Freedom Card, take advantage of these advantages:

• You’ll get 500 cashpoints as a welcome gift
• Spend Rs. 150 and get 1 cashpoint every time
• Purchases made on Swiggy, OYO, Uber, Big Basket, and BookMyShow will earn you 10X Chaspoints.
• You get 50 50-day interest-free period
• Convert your big purchases into easy monthly EMIs.

If you want to enjoy these benefits, then don’t delay, go to findcreditloan and Apply Now.

4. SBI Cashback Card

 If you want to get cashback on everything you buy, the SBI cashback credit card is the best choice.

Fees: For both joining and renewing, pay Rs. 999 + GST. You can avoid paying the annual charge if you spend Rs. 2 lakh in a single year.

Features of the card: With this card, you’ll get:

• 5% cashback on online purchases
• 1% cashback on offline expenses
• 1% fuel surcharges are exempt
• A globally accepted card with a low forex fee
• Cashback gets automatically credited to the attached account

Start your application process now and get your desired cashback card.

5. Amazon Pay ICICI Bank Credit Card 

This card is best for you if you frequently shop on Amazon. As a business owner, you can easily get this card.

Fees: It’s a lifetime free credit card, which means no joining or renewal fees have to be paid.

Benefits of Amazon Pay credit Card: You should get this card because you are entitled to the following benefits:

• A welcome gift of 3 months of Prime membership
• You will receive 5% cashback on your purchases if you are a Prime member.
• Non-prime members get 3% cashback on their purchases
• Pay with Amazon Pay and get 2% cashback
• On both online and in-person transactions, you receive 1% cashback.
• Receive a 1% exemption from the fuel surcharge
• Your cashback has no expiry date

Apply now so that you can save a lot on your next purchases.

All of the aforementioned credit cards have low annual fees, are high-limit professional credit cards, and offer cashback and points. These are the best credit cards for Self-Employed People in 2025.

*Please be aware that these cards' features, perks, costs, and other important information could change at any time. Check the lender's official website or, if you can, stop by in person before applying.

Benefits of Credit Cards for Self-Employed People

Self-employed people enjoy many advantages over salaried people when using a credit card. Therefore, having a credit card entitles you to the following benefits if you own a business yourself:

• Better financial management: You can easily manage your finances by selecting a different credit card that suits your business and a different card that suits your lifestyle. In this way, you don’t have to use just one card for your business and personal life.
• Improves credit score: If you consistently pay your credit card bills on time, it will help you increase your credit score. A good credit score can easily help you in getting loans, cards, etc. 
• Perks: with a credit card, you can enjoy many perks such as gift vouchers, free airport lounge access, shopping discounts, rewards, bonuses, cashbacks, and much more.
• High credit limit: Banks usually offer a good credit limit to business or self-employed owners. So, if you’re a self-employed person, you can enjoy a high-limit credit card.  

Eligibility Criteria

The basic eligibility criteria that every bank follows are given below:

• You should be above 18 years.
• Maintain a credit score above 750.
• Possess a steady source of income.
• You should be an Indian citizen.

Documents Required

The documents required to apply for a self-employed credit card are:

• Identity proof
• Address proof
• Income proof
• Business proof

Application Process

The application process is simpler now with FindCreditLoan. The steps are given below:

• Visit the official website of ‘Findcreditloan’
• Select the ‘credit card’ option
• Browse through the various cards
• Click on ‘Apply Now’ for your preferred card
• Enter your information and upload the documents.
• Recheck everything and submit the form.

You can also apply directly at the bank.

Also Read :- Apply Instant Personal Loan Chandni Chowk up to ₹50 Lakh

Bottom Line

In a nutshell, getting a credit card seems challenging if you’re a self-employed person, but with the right guidance and research, the process becomes simpler. To help you simplify things, we have listed the top 5 credit cards for self-employed people, You can select any card that fits your requirements. Just make sure you check all the necessary details before applying for a credit card so that there’s no space left for rejection. 

Frequently Asked Questions? (FAQs)

Which is the best credit card for me as a self-employed person in 2025?
All of the aforementioned credit cards are the greatest options for independent contractors. You can choose any that best suits your work and lifestyle. 

Which Credit card offers EMI options? 

You may quickly turn large purchases or expenses into straightforward EMIs with the HDFC Freedom Credit Card. 

Any lifetime free credit card for a self-employed person?

If you’re looking for a lifetime free credit card as a self-employed person, then the options you have are the IDFC First Millennia Credit Card or the Amazon Pay ICICI Bank Credit Card.