What is the minimum salary required for a credit card in India?
Updated · CardKhoj Editorial Team
Short answer
Entry-level credit cards in India usually need a net monthly salary of ₹12,000–₹25,000, or an annual ITR of about ₹2.5–3 lakh if you are self-employed. Premium cards ask for ₹50,000–₹1.5 lakh a month. If you have no income proof, a secured card against a fixed deposit needs no minimum salary.
Typical income requirements
| Card type | Salaried (monthly) | Self-employed (annual ITR) |
|---|---|---|
| Entry level / lifetime free | ₹12,000–₹25,000 | ₹2.5–4 lakh |
| Mid range | ₹25,000–₹60,000 | ₹6–12 lakh |
| Premium | ₹60,000–₹1 lakh | ₹12–25 lakh |
| Super premium | ₹1–4 lakh or by invitation | ₹25 lakh+ |
Other things banks check
- Credit score — 750+ gives the best approval odds.
- Age — usually 21 to 60 (18+ for secured and add-on cards).
- Employer category — listed companies and government employees are often approved more easily.
- Existing relationship — salary-account holders frequently get pre-approved offers.
No salary? Options that still work
Students, homemakers and freelancers without regular income proof can get a secured credit card against a fixed deposit, or an add-on card on a family member's account.
This answer is general information, not personalised financial or tax advice. Rules, rates and limits change — confirm with your bank, the RBI or a qualified adviser before making decisions.