Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Top 5 Credit Cards For Salaried Individuals

    Credit cards, those ubiquitous pieces of plastic, have slowly taken over most other forms of payment in today’s digital world. With the use of plastic money rising, more and more salaried professionals are moving to a credit-driven economy. Using a credit card is no longer the privilege of the wealthy, thanks to a range of credit cards tailor-made for the working individual. Applying for a credit card has also become easier, with banks and financial institutions offering working professionals different payment options.

    SBI Simply Save Credit Card

    The SBI Simply Save credit card offers the salaried individual the following features and benefits:

    • Easy access to money, wherever you are.
    • No additional charges for bill payment and the EasyBill facility which can be used to track and pay utility bills.
    • Avoid carrying forward credit and save on high interest rates by converting your outstanding bills to flexible EMI payments. This can be done at the time of paying the bill or through the SBI netbanking portal.
    • Use rewards points to reward yourself from the exciting gifts in the rewards catalogue. Alternatively you can convert the points to cash and use it to pay off your outstanding balance.
    • Enable easy tracking of your card spends and outstanding amount through SMS alerts each time you use your card. This can also be tracked through email and mini statements alerts each time you swipe your card.
    • Earn 1 reward point for every Rs.100 spent on purchases made using your SBI Simply Save credit card.

    SBI SimplyCLICK Credit Card

    A more detailed list of the benefits and features available with the card are listed below:

    • Cardholders receive a joining gift of Rs.500 voucher from Amazon.
    • Earn up to 5x rewards on all online shopping spends made on the credit card.
    • Receive 10x the rewards points for spends made with SBI’s partners- BookMyShow, Amazon, Lenskart, OLA, ZoomCar.
    • Spending on your card will also earn additional gifts in the form of e-vouchers. Spends of Rs.1 lakh will earn you a Rs.2,000 e-voucher.
    • The annual fee of Rs.499 will be waived if cardholders spend above Rs.1 lakh a year on their SBI SimplyCLICK credit card.

    HSBC Visa Platinum Credit Card

    Some of the many features and benefits of the HSBC Visa Platinum credit card are as follows:

    • No joining and annual fees.
    • Earn 2 reward points for every Rs.150 spent on the credit card, which can be redeemed in the form of cashback, AirMiles or gifts from the rewards catalogue.
    • Convert rewards points into either Jet Airways or Singapore Airlines air miles.
    • Earn 3x rewards on spends on dining, hotels and telecom categories for 12 months from the date of issue of the credit card.
    • Receive up to 15% discount on spends at select restaurants and airport lounges across the country.
    • Receive 5x rewards points when you spend over Rs.4 lakh a year, up to a maximum of Rs.10 lakh a year.
    • Earn cashback each time you fly, with Rs.7,500 cashback when you book on MakeMyTrip using your HSBC Visa Platinum credit card.
    • Receive a cashback of 10% on all spends made using the card within the first 90 days of the card being issued.

    Axis Bank Platinum Credit Card

    Additional Benefits of Axis Bank Platinum Credit Card:
    • Avail a fuel surcharge waiver of 2.5% of the amount spent (between Rs.400 and Rs.4,000) each time you pay using your credit card at petrol pumps across the country.
    • Enjoy zero liability in case of your credit card being lost or stolen.
    • Earn 100 reward points when an add-on card is issued to you.
    • Avail a supplementary credit card for your spouse, parents, siblings or children and reap the benefits and features each time they spend.

    HDFC Bank Diners Club Black Card

    Some Of the Other Benefits & Featues of HDFC Bank Diners Club Black Card

    • Low foreign currency markup of 2% + GST on all your foreign currency spends
    • Unlimited domestic and international lounge visits in a year across 700+ lounges across the world
    • Up to 15% discount at premium restaurants across India
    • Exclusive golf programme & complimentary golf games at leading golf courses in India and select golf courses across the world
    • Up to 50 days of interest-free credit & charges on revolving credit at 1.99% +GST
    • 5,000 reward points on renewal
    • 1% fuel surcharge waiver, maximum up to 1,000
    • Air accidental death coverage of 2 Crores
    • Emergency medical expenses cover of 50 lakhs

    The above credit cards offer the salaried individual a range of benefits and perks across varied categories. While some cards are more suited to the globe-trotter in the form of cashback and discounts on international spends, others are more lifestyle cards that offer dining rewards or golf lessons. Salaried individuals are spoilt for choice when it comes to credit cards, with the ones listed above offering attractive interest rates and minimal fees for the range of services and perks they offer.

    FAQs on Top 5 Credit Cards For Salaried Individuals

    1. How can a salaried person get a credit card?

      A salaried person can obtain a credit card which allows him or her to make cashless transactions from the credit limit approved by the bank. One of the biggest eligibility criteria to get a credit card is to have a stable source of income. The annual income of salaried persons decides the credit limit of the credit card.

    2. I am a salaried person. Can I apply for the State Bank of India (SBI) SimplySAVE credit card?

      Yes. You can apply for an SBI SimplySAVE credit card if you have a salary account. It is one of the best credit cards which charges low annual fees. This card is also beneficial for those who want to get discounts on everyday grocery purchases. However, this card does not offer any benefits on travel and several other categories.

    3. What will be the limit on my SBI SimplyCLICK Credit Card?

      The credit limit of the SBI SimplyCLICK credit card depends on credit score, income and the highest limit on the existing credit cards and various other internal factors. So, the limit varies from one applicant to another applicant. SBI card does not communicate the credit limit during the time of application. The applicants will get to know the credit limit only when they get their new SBI SimplyCLICK card.

    4. How do I track my credit card application?

      SBI will let their applicants know about the status of their credit card applications. However, if they want to track their credit card application, they need to follow certain steps.

    5. How to redeem the Reward Points earned on the SBI SimplyCLICK Credit Card?

      There are various ways through which you can redeem your reward points, which include both offline as well as offline.

    6. What will be the minimum income requirements for the SBI SimplyCLICK Credit Card?

      The salaried persons should earn at least Rs.20,000 per month, while self-employed applicants should earn at least Rs.30,000 per month to avail an SBI SimplyCLICK Credit Card. Apart from this, the applicants should also meet other requirements such as age limit, credit score, location and different other requirements set by SBI.

    7. What are the identity proofs required to apply for an HSBC VISA Platinum credit card?

      The following are the identity proofs required to apply for an HSBC VISA Platinum credit card:

    8. Permanent Account Number (PAN) card, Aadhar card, Passport, Voter ID card, Driving Licence, Electricity bill.

    9. What is a zero liability for a lost card?

      Zero liability lost card means that the cardholder will not be held responsible for any unauthorized transactions made with a cardholder’s account.

    10. Are there any special offers on Axis Bank Platinum credit cards?

      Axis Bank Platinum credit card users will get 25% cash backs on all the movie tickets booked.

    11. How many rewards can I earn on the Axis Bank Platinum credit card?

      Axis Bank Platinum credit card users can earn six points per Rs.200 spent on credit cards in India.


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