Credit cards for a ₹15,000 monthly salary
Every card below states a monthly income requirement of ₹15,000or lower in the issuer's own published criteria. Clearing the stated floor satisfies the income criterion only; every other issuer rule still applies.
Short answer
4 issuer-verified Indian credit cards publish a monthly income requirement of ₹15,000 or lower, so a salary of ₹15,000 clears their stated income floor. 1 of them carry no annual fee, starting with Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured). A published income floor is only one gate: issuers also weigh age, employment, credit history, existing obligations, recent applications and their own internal rules, and approval remains entirely at their discretion. A further 43 tracked cards publish no income cutoff at all.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
Ordered by lowest annual fee, then lowest published income floor. Check your own eligibility across all cards →
Every card open at ₹15,000
Utkarsh Small Finance Bank (via super.money / Flipkart group) super.money superCard (FD-secured)
₹0
0.5% in Cashback
3.5%
RuPay
Best suited to: credit builder, upi credit, no income proof. Recorded exclusions: fuel, rent, wallet load.
Review rewards, caps, fees and issuer evidence →HDFC Bank Freedom
₹500 + GST
1 CashPoint per ₹200 on eligible spends
3.5%
Visa, RuPay
Best suited to: credit builder, first card, low spender. Recorded exclusions: fuel, rent, wallet load, emi, govt, cash advance.
Review rewards, caps, fees and issuer evidence →IndianOil HDFC Bank Credit Card
₹500 + GST
0.67% in Fuel Points
3.5%
RuPay, Visa
Best suited to: fuel, groceries, bills utilities, upi credit. Recorded exclusions: rent, wallet load, government, non IndianOil fuel.
Review rewards, caps, fees and issuer evidence →Swiggy HDFC
₹500 + GST
1% statement cashback on eligible other-category spend
3.5%
Mastercard
Best suited to: food delivery, online shopping, young professional. Recorded exclusions: fuel, rent, jewellery, government, wallet load, gift card, cash advance.
Review rewards, caps, fees and issuer evidence →Frequently asked questions
Which credit card can I get with a ₹15,000 salary?
In total 4 cards in the CardMasters catalogue state an income requirement at or below ₹15,000. Meeting that floor satisfies the published income criterion only; age, employment, credit history, existing obligations and the issuer's internal policy still apply.
What is the minimum salary for a credit card in India?
There is no single national minimum. Across the cards CardMasters tracks, published monthly income floors start around ₹12,001 and rise with card tier. Secured cards issued against a fixed deposit typically publish no income requirement at all.
Will applying to several cards at once improve my chances?
No — it usually reduces them. A lender may make a hard enquiry when assessing an application, and several applications in a short period can affect your bureau profile and an issuer's decision. There is no universal enquiry-count cutoff across Indian issuers. Apply to one card whose published criteria you clearly meet, and wait for the outcome before trying another.
Does CardMasters check my credit score?
No. CardMasters never queries a credit bureau and holds no bureau data. These pages compare the criteria issuers publish themselves; any approval guidance in the product is a modeled estimate, clearly labelled as such, not the bank's decision.