Best Credit Cards for Salaried Persons in India

As a working professional, are you receiving a monthly salary? Do you want to spend an amount over your salary limits? Then think about getting a credit card, which offers more benefits. Using the right credit card will helps you to manage your money and allows you to take advantage of fea

In the modern world there are many credit card alternatives are available, many of you have a confusion to select the one that is best for your spending habits. Today, most banks offer credit cards and thus, it is critical to select the best credit card for salaried person. Below you can see the best credit cards for salaried persons in India:

Bajaj Finserv RBL Bank Credit Card 

As a salaried people if you choose Bajaj Finance credit cards it helps you to fulfill your various financial demands. It provides a various incentive such as cashback and rewards to accommodate different spending habits and preferences. According to your purchase habits, you might receive accelerated reward points for online transactions.

  • You may get noteworthy welcome bonuses, which immediately boost your rewards balance.
  • You can use reward points for practically every transaction to maximize your profit. 
  • To have an amazing travel experience, this card offers many discounts on online airline bookings.
  • Every month, BookMyShow offers discounts and "buy one, get one" bargains on movie tickets to meet your entertainment demands.

SBI Simply CLICK Credit Card

It is one of the best credit cards for salaried people because it has many amazing features. It including a gift upon log-in, points for online purchases, milestone benefits, total fuel freedom, and more, are all included with this card. Purchase this card and experience unparalleled benefits. Earn up to 5x points on all online purchases made using the credit card. Discounts and rewards are available in specific categories, allowing you to save more.

  • Cardholders will receive a joining gift of an Amazon voucher worth Rs.500.
  • Earn 10x rewards points for purchases from SBI's partners, including BookMyShow, Amazon, Lenskart, OLA, and ZoomCar.
  • Spending on your card will also result in additional gifts in the form of e-vouchers. Earn an e-voucher worth Rs. 2,000 for spending Rs. 1 lakh.
  • The annual fee of Rs. 499 is reduced if cardholders spend more than Rs. 1 lakh per year on their SBI SimplyClick Credit Card.

SBI Simply Save Credit Card

The SBI Simply Save credit card is the best option for the salaried individual.  There are no additional fees for bill payment, and the EasyBill function allows you to track and pay utility bills. Changing your unpaid invoices to flexible EMI payments will save you from carrying forward credit and excessive interest rates. This can be done while paying the bill or through the SBI net banking portal.

  • Use your rewards points to choose from the amazing gifts in the rewards catalog. Alternatively, you can turn your points into cash to pay off your outstanding amount.
  • It tracks your card purchases and outstanding balances via SMS alerts every time you use your card. 
  • This can also be tracked by email, and small statement alerts are sent every time you swipe your card.
  • Earn one reward point for every Rs.100 spent on purchases made with your SBI Simply Save credit card.

HDFC Bank Regalia credit card

HDFC Bank Regalia credit card is the best credit cards for salaried persons in India. This renowned credit card requires a minimum annual income of ₹12 lakh. This card has a joining and renewal charge of ₹2,500. However, it rewards you with reward points worth ₹1,250. There is no renewal cost if you spend at least ₹3 lakhs each year.

  • Get 4 reward points for every ₹150 spent.
  • When booking hotels or tickets through a registered portal with your credit card, each reward point is worth ₹0.5.
  • Redeeming reward points for cash or the reward catalog results in a ₹0.2 value.
  • You may explore the world by changing your reward points to air miles with Airlines.

Summing It Up

For professionals who receive a salary, using the right credit card can enhance their ability to manage their finances and offer customized benefits. There is a credit card that will satisfy your needs, whether you like reward points or cashback. You can explore and compare various credit card options on Bajaj Markets to find one that aligns with your financial objectives. Selecting a card that meets your goals and thoroughly evaluating your options will help you make the most of your benefits and enhance your credit experience. Use your credit card wisely to enhance your financial situation and make wise decisions.


Puja Rawat

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