Credit Cards for Individuals with an Income below Rs.50,000

The main features and benefits of the HDFC MoneyBack Credit Card are mentioned below:

1. Salaried employees must be between the ages of 21 years and 60 years to apply for the card.
2. Self-employed individuals must be between the ages of 21 years and 65 years to apply for the card.
3. Your gross monthly income must be at least Rs.25,000.
4. The joining and renewal fees are Rs.500.
5. 500 cash points are provided as a welcome benefit.
6. Rs.500 worth of guest vouches will be provided if you spend Rs.50,000 in a calendar quarter.
7. 1% fuel surcharge will be waived at all fuel stations across the country. 

HDFC Easy EMI Credit Card

The main features and benefits of the credit card are mentioned below:

1. Salaried employees must be between the ages of 21 years and 60 years to apply for the card.

1. Self-employed individuals must be between the ages of 21 years and 65 years to apply for the card.
2. Your gross monthly income must be at least Rs.10,000.
3. The joining and renewal fees are Rs.500. 1% fuel surcharge will be waived at all fuel stations across the country.
4. 500 cash points are provided as a welcome benefit.
5. The interest-free credit period may be up to 50 days.

SBI Card Prime

The main benefits and features of the SBI Card Prime are mentioned below:

1. The annual fee is Rs.2,999 plus GST.
2. The renewal fee is Rs.2,999 plus GST.
3. No add-on fee is levied.
4. The card is accepted all over the world.
5. Balance transfer option is provided.
6. Cash access is provided all over the world.

Axis ACE Credit Card

The main features of the credit card are mentioned below:

1. Individuals between the ages of 18 years and 70 years can apply for a credit card.
2. Only Indian residents can apply for the card.
3. The joining fee is Rs.499. Waived on spends of Rs.10000 within 45 days of card issuance
4. The renewal fee is Rs.499. However, no renewal fee will be levied if you spend Rs.2 lakh in a year.
5. 1% fuel surcharge will be waived at all fuel stations across the country.
6. 4 complimentary lounge visits are provided in a year.
7. Purchases of Rs.2,500 or more can be converted into EMIs.

Flipkart Axis Bank Credit Card

The main features of the credit card are mentioned below:

1. Individuals between the ages of 18 years and 70 years can apply for a credit card.
2. Only Indian residents can apply for the card.
3. The joining fee is Rs.500. 
4. The renewal fee is Rs.500. However, no renewal fee will be levied if you spend Rs.3.5 lakh in a year.
5. 4 complimentary lounge visits are provided in a year.
6. 1% fuel surcharge will be waived at all fuel stations across the country.
7. Purchases of Rs.2,500 or more can be converted into EMIs.

It is vital that you compare different credit cards before you opt for one. The features of the credit card may vary from bank to bank. There are various third-party websites where different credit cards can be compared. This is can you choose the best credit card as per your requirements.