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Getting a credit card on low income is more accessible than many people realise. This page covers the cards available to low-income earners in India, the eligibility criteria that apply, a step-by-step guide to applying, and practical tips for managing your card responsibly.
Yes — a credit card with low income requirement is available across several banks in India, though the options differ based on your income bracket, employment type, and credit history.
Most banks set a minimum monthly income threshold, typically between ₹15,000 and ₹25,000, for standard unsecured credit cards. However, several entry-level and lifetime-free cards specifically cater to those with a low annual income, making it possible to access credit even if you earn at the lower end of the salaried spectrum.
For those who do not meet income requirements or lack a credit history, an FD-backed (fixed deposit) secured credit card is one of the most straightforward routes. These cards are issued against a fixed deposit held with the bank, so income proof may not be mandatory.
Employment type also plays a role. Salaried applicants generally have a simpler approval process, while self-employed individuals may need to furnish additional income documentation such as ITR (Income Tax Return) filings. Students and homemakers with no independent income can explore add-on cards or secured variants.
In short, eligibility variations mean there is likely a credit card for low income earners that fits your specific situation — whether through standard issuance, secured options, or entry-level products from banks like IDFC FIRST Bank and YES Bank.
Several banks offer cards that are well-suited to those with a credit card with low annual income or a modest monthly salary. Below is a comparison of the most accessible options currently available.
The SBM ZET Credit Card is a lifetime-free card designed for those who want to establish or rebuild their credit profile. With no annual or joining fees, it is among the most accessible credit cards for low income earners looking for a no-cost entry point into credit.
The YES Bank Klick Credit Card functions as a UPI-linked credit card, allowing users to make UPI payments using their credit limit. This makes it practical for day-to-day digital transactions at zero annual cost — a straightforward option for those how to get credit cards with low income without taking on fee-related obligations.
The IDFC FIRST Bank WOW! Credit Card is a secured card issued against a fixed deposit, making it accessible even without income proof. It is particularly suited for shopping spends and is one of the more popular FD-backed options for credit cards with low annual income applicants.
The IDFC FIRST Bank Wealth Credit Card is a lifetime-free card with a rewards-focused structure. It suits those with a stable, albeit modest, income who want to accumulate points on everyday purchases.
A lifetime-free option from IDFC FIRST Bank with a focus on entertainment benefits, the SELECT Card is suited for users who want card perks without recurring fees.
The SimplyCLICK SBI Card is among the best credit cards for low income earners who shop online frequently. It offers accelerated reward points on platforms such as Amazon, Swiggy, BookMyShow, and Cleartrip. The annual fee can be waived on meeting annual spend thresholds.
The SimplySAVE SBI Card offers reward points on fuel, dining, movies, and grocery spends. It is designed for everyday use and is accessible to salaried applicants with moderate income levels.
Targeted at younger, digitally active users, the IDFC FIRST Bank SWYP Credit Card offers entertainment and lifestyle benefits at a low annual fee of ₹449.
With one of the lowest annual fees among fuel-focused cards, the IDFC FIRST Bank Power Credit Card is accessible for credit cards on low income users who primarily want fuel savings.
The IDFC FIRST Bank EARN Credit Card is a rewards and entertainment-focused card with a modest annual fee, suited for those who spend on OTT, dining, and leisure activities.
Understanding the eligibility criteria is essential before you apply for a credit card with low income. The key factors banks assess are outlined below.
Most banks require a minimum monthly income of ₹15,000 to ₹25,000 for entry-level and standard credit cards. Some banks set the bar slightly higher at ₹20,000–₹30,000 per month for mid-tier products. However, lifetime-free and secured FD-backed cards often have more flexible income criteria or may not require income proof at all. Applicants seeking a credit card with low income requirements should focus on these entry-level or secured variants.
For self-employed individuals, eligibility is usually assessed on the basis of annual income as declared in the most recent Income Tax Return, with a common minimum of ₹2 lakh to ₹2.5 lakh per annum.
The standard age requirement for a primary credit card in India is a minimum of 18 years, though several banks set the minimum at 21 years for primary card applicants. The upper age limit is typically 60 to 65 years for salaried individuals and up to 65 years for self-employed applicants. Add-on cardholders may be eligible from the age of 18.
Banks generally distinguish between salaried and self-employed applicants.
Salaried applicants: Typically required to submit recent salary slips (last 1–3 months), bank statements, Form 16, and proof of employment.
Self-employed applicants: Usually need to provide ITR filings, bank statements (last 6 months), and business registration documents.
Some entry-level cards and secured cards have relaxed documentation requirements and may be available to individuals without formal employment, including homemakers, freelancers, or students with a co-applicant.
A CIBIL score of 700 or above is generally considered acceptable for most entry-level credit cards. A score above 750 improves approval chances. For applicants with no credit history — such as first-time borrowers or recent graduates — FD-backed secured cards are an effective way to begin building a credit profile without an existing score. Banks may also consider applicants with lower scores on a case-by-case basis, particularly for secured cards where risk is mitigated by the fixed deposit.
Applying for a credit card on Bajaj Markets is simple, fully online, and usually done in a few minutes. You can compare cards, see what you qualify for, and finish your application in one go.
Step 1: Tap on ‘Click here ’
Click here to get started.
Step 2: Share basic details
Enter a few key details like your mobile number and occupation.
Step 3: Agree to the terms
Read the terms and conditions shown on the screen and accept them to proceed.
Step 4: Confirm with OTP
An OTP (One-Time Password) will be sent to your mobile number. Type in this code to verify it is you.
Step 5: Review your fetched details
Check the information that appears automatically, such as:
Confirm everything is correct.
Step 6: Fill in the remaining info
Add extra details like your income and PIN code so that suitable card offers can be matched to your profile.
Step 7: View personalised card offers
Click on ‘Check Offers’ to see the cards you are eligible for. Compare their features, charges, and benefits, then pick the one that suits you best.
Step 8: Complete and submit
After choosing a card, click ‘Submit’ to send in your application.
Step 9: Wait for verification
You will be contacted by the concerned team for verification and the next steps.
Note: Some cards may have slightly different steps or ask for a few extra details.
Having a credit card when you are on a tight budget requires strong financial discipline. However, when managed correctly, a credit card can actually be a great tool to build your credit score and earn rewards. Here are five essential habits to help you avoid debt traps and maximize your card’s benefits.
Despite the caution required, there are several tangible benefits of holding a credit card for low income earners in India.
Yes. Several banks offer entry-level and lifetime-free cards designed for those with low income. Options include the SBM ZET Credit Card, YES Bank Klick Credit Card,etc. They have nil annual fees associated with them. For those who do not meet income criteria, FD-backed secured cards are available without mandatory income proof.
The best credit card for low income earners depends on spending habits. For zero fees, the SBM ZET, YES Bank Klick, and the IDFC FIRST Bank WOW! Credit Card are strong options. For online shopping, the SimplyCLICK SBI Card is well regarded. There is no single best card — the right choice depends on your individual needs and spending patterns.
Most banks in India require a minimum monthly income of ₹15,000 to ₹25,000 for standard entry-level credit cards. Some cards have higher thresholds. For secured FD-backed cards, income criteria may not apply, making them accessible regardless of salary level.
The key practices are: keep utilisation below 30% of your credit limit, always pay the full outstanding bill before the due date, avoid cash withdrawals, and track your monthly spends against a set budget. These habits prevent interest from accumulating and help protect your credit score.
Yes, through FD-backed secured credit cards. When you place a fixed deposit with a bank, the bank issues a credit card against that deposit — in most cases without requiring income proof or a prior credit history. These cards are also useful for building a credit score from scratch.
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