10+ Best Credit Card for Salaried Person 2023 in India

10+ Best Credit Card for Salaried Person or Employees 2023 in India: Friends, through this article, we will provide you detailed information about 10 Best Credit Card Salaried Persons. You all must know that credit card has become an important part of our life, if you are a salaried person, self employed person, then you can get a credit card from the bank to meet your personal needs and this card will give you many types of credit cards. Proves to be beneficial to save from problems.

Using these cards, you can get great discount offers, cashback offers for recharge, bill payment, online shopping, fuel shopping, travel, watching movies. Apart from this, you also get new offers here, which can be availed at any time. Let us know about these credit cards which you can easily get.

10+ Best Credit Card for Salaried Persons

Here the list top 10 credit card for salaried or employee check below

SBI Prime Credit Card

This credit card offered by State Bank of India comes with ₹3000 annual joining fee and renewal fee. However, if you use the limit of ₹ 300000 in 1 year, then you do not have to pay any kind of joining fee, renewal fee. In this credit card, you are given three types of reward points such as – Regular, Milestone and Accelerated. Let us know about the benefits of this credit card.

SBI Prime credit card Benefits

• You get two reward points for every hundred rupees for all your regular expenses.
• If you spend ₹50,000, you get ₹1,000 Pizza Hut e-voucher (one quarter).
• In addition, you get 15 points on ₹100 spent in Big Basket and 10 reward points on food, groceries, department stores and movies.
• You get free access to international and domestic lounges.

SBI Prime credit card Fees and charges

Annual Fee (one-time)	Rs. 2,999 + Taxes
Welcome gift worth Rs. 3,000 Renewal Fee (per annum)	Rs. 2,999 + Taxes
More charges	Click Here

HDFC Bank Regalia Credit Card Details 

This is one of the most popular credit cards offered by HDFC Bank. If your minimum annual income is Rs 12 lakh or more, then you can easily get this card with a joining and renewal fee of ₹ 2,500. However, it gives you a discount offer of 2,500 reward points, i.e. ₹1250. If you spend at least ₹3 lakh in a year, there is no renewal fee.

HDFC Bank Regalia Credit Card Benefits

HDFC Bank Regalia Credit Card comes with some really cool benefits which are as follows:

• Earn 4 reward points for every ₹150 spent.
• If you use a credit card to book hotels or tickets from any registered portal, there is a cashback equivalent to ₹0.5 on each payment.
• Reward Points can get ₹0.2 Cashback if you pay for Cash or Rewards Catalog.
• You can travel the world by converting your reward points into air miles with Jet Airways or Singapore Airlines.
• You get complimentary lounge access at all airports.
• If you spend ₹75,000 in the first 90 days, you get a free Zomato Gold membership for one year.
• If you spend at least ₹8,00,000 in a year then you get 15,000 reward points. You get 10,000 reward points for spending ₹ 5,00,000.

Best Credit Card Fees and charges

Joining/ Renewal Membership Fee	Rs. 2500/- + Applicable Taxes.
More charges PDF List	Click Here

ICICI Amazon Pay credit card

ICICI Amazon Pay Credit Card is an online shopping card. If you depend heavily on Amazon for your purchases, then this card is perfect for you. Apart from this, Prime members can avail more cashback offers and this credit card is lifetime free, here you do not have to pay any kind of annual or renewal fee. Let us know about the benefits of this credit card.

ICICI Amazon Pay credit card Benefits

• If you are a Prime member, then you can get up to 5 percent on shopping on Amazon. Apart from this, non-prime members can get up to 3% cashback.
• You can get up to 2% cashback on every transaction through Amazon Pay partner merchants.
• Apart from this, up to 1% cashback will be available on other transactions.
• This credit card has tie-ups with over 2500+ restaurants and offers discount offers of up to 15%.
• When you shop for fuel, you are given a fuel surcharge waiver of up to one percent.

ICICI Amazon Pay credit card Fees and charges

Joining Fee	Nil
renewal fee	Nil
Finance Charges	3.5% to 3.8% pm/42% – 45.6% pa

Citibank Cashback credit card

Citibank SBI Credit Card is one of the best cashback card. This Citibank credit card gives direct cashback for all your expenses.

Citibank Cashback credit card Benefits

• For the amount spent on movie tickets, telephone and other utility payments, you get 5% cashback. For all other expenses, you get 0.5% cashback.
• You can get the card with a joining and annual fee of ₹500.
• Also, Citibank has tied up with many restaurants where you can get 15% off.
• The card allows you to convert your big expenses into easy EMIs.

Fees And Charges

Joining FeeCommunicated at the time of sourcingAnnual FeeCommunicated at the time of sourcingInterest Charges3.75% pm (45% pa)

American Express Membership Reward credit card

American Express Membership For most salaried individuals, Amex is an aspirational card. To avail this card, you must have an income of at least ₹6 lakh per annum.

If you get the card using the referral link, the joining fee of ₹1,000 is waived off. From the second year onwards, the annual fee is ₹1,500, which you will not have to pay if you spend more than ₹1,50,000. If your expenses exceed ₹90,000, the fee will be reduced to ₹750.

If you get the card from the bank, the renewal fee is nil if you spend more than ₹1,50,000 and ₹2,250 if you spend more than ₹90,000 in a year. Otherwise, you have to pay ₹ 4,500 .

American Express Membership Reward credit card Benefits

• For every ₹4 you spend, you get ₹1 reward point.
• You can accumulate 1,000 bonus points in a month using this card.
• For your spend on fuel, insurance, utilities and cash transactions, you get a reward point of ₹1 for every ₹50 spent.
• In addition, the card offers 20% off at partner restaurants, lost card liability, and free card replacement benefits.

American Express Membership Reward credit card Fees And Charges

First Year Fee	Rs. 1,000 plus applicable taxes
Second Year onwards	Rs. 4,500 plus applicable taxes

Citibank PremierMiles credit card

This card is like a dream come true for travelers as miles never expire. It comes at an annual fee of ₹3,000 and gives you a welcome benefit of 10,000 miles. For this card renewal, you get 3,000 miles.

Benefits

• You get 10 miles per ₹100 on travel bookings on PremierMiles website.
• For all other expenses, you get 4 miles per ₹100.
• You can redeem your miles against airlines and hotels.
• The complimentary lounge access at domestic airports is also worth noting.
• You can get a minimum 15% discount at partner restaurants.

Fees And Charges

Joining fee	Would be informed by the bank at the time of sourcing the card
Annual fee	Rs.3,000
Cash advance fee	2.0% of the amount withdrawn or a minimum amount of Rs.300
Interest rate	3.75% per month (45.00% annualized)
Late payment fee	NIL for a statement balance up to Rs.2,000Rs.100 for a statement balance more than Rs.2,000

HSBC Visa Platinum Credit Card 

The HSBC Visa Platinum Card is a popular one. But you do not have to pay any kind of annual fee, joining fee. Apart from this, you get a voucher of ₹ 2000 on this credit card.

Benefits 

• For most transactions, the add-on card is treated as a separate card.
• You get a cashback of up to ₹2,500 for spending at least ₹10,000 in the first 90 days.
• For spending more than ₹50,000 in a month, you get six BookMyShow vouchers worth ₹500.
• Get ₹10,000 cashback on the card for booking your international flight tickets on MakeMyTrip on Sundays. Moreover, it also offers 30% off on Treebo hotels.
• You get 25% off on your Swiggy orders up to ₹150.
• The best part is that you get 3X points on Dining, Hotel and Telecom in the first year.
• If you spend between ₹4 Lakh and ₹10 Lakh, your rewards go up by 5X.
• You can also transfer your points to air miles and hotel miles.

Fees And Charges 

Annual Fee	Nil
Finance Charges	3.3% pm (39.6% pa) computed from the date of transaction
Over Limit Fee	Rs. 500 per month

IndianOil Citi Platinum credit card 

This credit card offers cashback offers on car fuels like petrol, diesel gas etc. While you cannot completely reduce your fuel cost, this card helps you optimize your spending. IndianOil is the only suitable card to go to the fuel station. This card gives you 5% return on your fuel expenditure.

Benefits 

• This comes at a joining fee of ₹1,000, and you don’t have to pay any renewal fee as long as you spend ₹30,000 in a year.
• For every ₹150 you spend on fuel, you get 4 Turbo Points. Each turbo point is equal to ₹1 worth of fuel.
• For groceries and supermarket shopping, you earn 2 Turbo Points when you spend ₹150. In this case, there is a limit of ₹5,000 on your expenses.

Face And Charges

Interest Rate	Initial rate of 3.75% per month (45% per annum)
Card replacement fees	Rs. 100
Late payment charges	No charges for statement balance of up to Rs.2,000.Rs.600 for statement balance of more than Rs.2,000 up to Rs.7,500.Rs.950 for statement balance of more than Rs.7,500 up to Rs.15,000.Rs.1,300 for statement balance of more than Rs.15,000

Axis Bank Insta credit card

If you feel like using a secured credit card on your travels then this card gives you good benefits and even helps in building a good credit score.

Benefits

• You can get it with a minimum fixed deposit amount of ₹20,000.
• With the credit card, you get 6 reward points for every ₹200 you spend in the domestic market and 12 reward points on international spends.
• Each point is worth ₹0.40 which you can redeem as travel vouchers.
• Also, you can avail 15% off at partner hotels.

Fees And Charges

Standard Joining Fee	Nil
Standard Annual Fee	Nil
Interest	2.50% per month
Add-on Card Joining Fee	Nil
Cash Withdrawal Fees	2.5% (minimum Rs. 250)
Card Replacement	Waived

SBI SimplyClick credit card 

If you are a frequent online shopper then this card is best suited for you. To get this card, your monthly income should be at least ₹30,000 per month. Also, if you spend ₹1 lakh in a year, you get exemption from joining and renewal fee of ₹500.

Benefits 

• It offers ₹500 Amazon Welcome Voucher.
• On spending ₹1 lakh in a year, you get Cleartrip vouchers worth ₹2,000.
• You get 10 Reward Points per ₹100 you spend online with exclusive partners – Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo, and UrbanClap.
• For all other online transactions, you can redeem 5 reward points per ₹100.
• For all offline spends, you get 1 reward point for every ₹100.

Fees And Charges

Annual fee	Rs.499
renewal fee	Rs.499
Finance charge	Up to 3.50% per month (42% per annum)
Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs	2.5% of the transaction amount or Rs.500 (whichever is higher)
cash payment fee	Rs.250
Overlimit	2.5% of overlimit amount or Rs.600 (whichever is higher)

Standard Chartered Manhattan Platinum credit card

This is a card worth considering if you work in a metro city and are used to spending at supermarkets. This card comes with a joining fee of ₹ 499. Also, this fee is waived off if you spend ₹30,000 in the first year. Similarly, if you spend ₹60,000 in a year, your renewal fee ends.

Benefits

• It gives you 5% cashback on purchases at Peacock, Reliance Fresh, Big Bazaar and Food Bazaar.
• Maximum cashback per month is ₹500.
• For your spend on hotel, dining, airline tickets and fuel, you can get 5X Reward Points.
• For every ₹100 you spend, you get 1 reward point.
• You also get ₹2,000 BookMyShow vouchers on your first transaction in the first 90 days.

Fees and charges

Joining Fee	Rs. 999
Annual Fee	Rs. 999
Finance Charges	3.75% pm (45% annually)

Read this also:

• Best Credit Card For Students
• What is Whole Life Insurance Plan
• What is Child Insurance Plans
• What is Pension Insurance Plans
• What is Unit-Linked Insurance Plan

My Last Word:

Through this article, we have given you information about 10 Best Credit Card for Salaried Persons. You can choose these credit cards according to your needs. Which can come with different benefits, joining fees, annual fees, cashback offers. If the article is helpful for you, then you can share this article with your friends

FAQ’s on Best Credit Card for Salaried Persons