Rewards and cashback vary based on spending habits typical to each group.
Shopping
Self-employed cards may offer cashback or points on business-related purchases, office supplies, and online shopping. Salaried cards usually provide cashback on popular e-commerce platforms and retail outlets.
Dining
Salaried credit cards often have better dining rewards, such as 5% cashback or accelerated points. Self-employed cards may offer moderate dining benefits, focusing more on fuel and utility spends.
Travel
Self-employed users who travel for business might benefit from cards offering fuel surcharge waivers and travel insurance. Salaried cards may offer travel discounts, lounge access, and reward points on flight and hotel bookings.
Other Categories
Self-employed cards sometimes include expense management tools and higher credit limits to manage business cash flow. Salaried cards focus on lifestyle perks like EMI conversions and milestone rewards.