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Credit cards have become part and parcel of our lives. Undoubtedly, they have revolutionized the workings of the digital world. With everything happening with a click of a button, credit cards are a blessing in disguise. In this post, we will see the top 5 credit cards for salaried people in India.

With its increasing use, salaried people are switching to the credit-driven economy. It is no longer a privilege which only a few wealthy people can enjoy. Credit cards have indeed made the workings of a salaried class simple and easy. With several options at your disposal, applying for a credit card is no longer a tedious task. You have different payment options available.

Credit cards can be a convenient in many way, but they can also be risky and expensive.

There are several benefits of using a credit card. Making a choice can be a challenge, but make sure that you choose the best option according to your requirements. Here is an exclusive list of best credit cards for salaried people in India, in no particular order.

Remember, there is no single credit card that is best suited to everyone. Each credit card offers different kinds of benefits.


SBI Simply Save Credit Card

SBI offers a range of benefits to its users. It provides you multiple rewards for daily usage. Also, reward points are an additional incentive for salaried people to use credit cards as much as possible. It is an ideal card if you wish to grab exclusive reward points. Easy Bill facility can help you pay utility bills without any hassles. With the option of EMI payments, you can pay your outstanding bills easily. Easy SMS alerts can play an essential role in providing enhanced safety to its customers.

SBI SimplyCLICK Credit Card

With increasing trend of online shopping, cardholders can avail exclusive benefits by using the card for online transactions. You are gifted with vouchers on particular usage of the card. You can also receive reward points for online purchase with Amazon, Lenskart, OLA, Zoomcar and more. Flexipay option allows you the opportunity to make EMI payments without paying high interests. You also get mini statements and timely email alerts to keep updated on the card usage.

HSBC Visa Platinum Credit Card

It comes with a range of offers and deals for a salaried class individual. Some of the features include the easily redeemable amount in the form of cashback, gift coupons and more. You also have an option of converting your earned points into Singapore Airlines and Jet Airways air miles. You can avail 15% discount on select airport lounges and dining places. Also, you receive cashback of 10% on each purchase made during the first 90 days.

Axis Bank Platinum Credit Card

It offers a wide range of benefits to its customers. With a full line of attractive deals and offers, all you can expect is best loyalty programs with low annual fee plans. It is a perfect choice for all those who are willing to save money while spending. Earn an easy cashback of 25% on movie ticket bookings. One exclusive feature of this card is recommending the card to your loved ones to reap its benefits every time they use the card. Also, zero liability feature is beneficial in case your card gets stolen or lost.

HDFC Diners Club Premium Credit Card

You can earn up to 2500 reward points in the form of easy cashback. Get easy access to first class dining restaurants, airport lounges across the world. Apart from that, you also get points for spending on shopping and buying retail items.

Bonus: IRCTC SBI Platinum Card

IRCTC SBI Platinum Card is a one-of-its-kind credit card which provides customers new travel experience. With IRCTC SBI Platinum Card, you can enjoy exclusive discounts and benefits when you book railway tickets on

There is also a joining bonus of Rs. 350 if you spend Rs. 500 or above within 45 days of card issuance. Also, Every time when you book a railway ticket, you will save 1.8% transaction charges.

Today, there are so many credit cards in the market and every bank provides more or less similar services. So it all depends on the individual’s requirements and lifestyle. One can’t rate a particular credit card as the best one.

As a user, It is important to identify the purpose and usage of credit card and choose wisely.

Let me know your favorite credit card in India that is missing from the list in the comments section.

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