Best Credit Card for Salaried Person in India 2022-2023

Every person has their own set of preferences based on which they choose a credit card. People usually choose credit cards that suit their requirements. In general, there are different types of credit cards in India designed by multiple issuers to fulfill the requirements of different people.

These cards are specifically designed for bill payments, shopping, and other purposes. So, if you choose the right credit card, you can save money when making purchases. Every credit card has its own benefits, fees, charges, and eligibility criteria.

This article lists the best credit cards in India in 2022 for salaried persons to give you a detailed idea about the different credit cards available in India. So sets start…

Flipkart Axis Bank Credit Card


This credit card is loaded with multiple benefits and is very useful when shopping online. It provides many welcome benefits and unlimited cashback while shopping. This credit card offers a 20% discount on dining in partner restaurants. Other benefits of this card are four airport lounge visits in one calendar year and fuel surcharge charges waiver.

It offers 5% cashback on Flipkart and Myntra and 4% cashback on Swiggy, PVR, uber, and Moreover, there is also 1.5% cashback on other categories. The down point of this card is that its remission amount on the annual fee can be a little high for many people. 

Moreover, some of its welcome gifts may not be useful for some users. People aged between 18 years to 70 years can apply for this credit card by providing address and income proof.

SBI Card Elite Credit Card


SBI Card Elite is a premium credit card and can suit your needs if you are looking for a luxurious lifestyle. It comes with shopping vouchers from top brands and movie ticket benefits as a welcome gift. Also, it provides reward points on spending, complimentary lounge visits, and many other benefits.

One needs to have a monthly income of 60,000 rupees to be eligible for this credit card. The renewal fee and annual fee of this card are 4,999 rupees with the applicable GST. So, it may not suit all types of people. The credit card comes with an e gift voucher of 5000 rupees from premium brands.

It provides 6000 rupees movie vouchers in a year which you can avail 250 rupees voucher every month. Moreover, the card provides 2 reward points when you spend 100 rupees excluding fuel. Apart from that, the SBI card elite credit card offers many other benefits that you can avail of in your day-to-day life.

Amazon Pay ICICI Credit Card


Amazon Pay ICICI credit card is an excellent option for people in India who frequently shop on Amazon. This card will help you save a lot while shopping on Amazon in the form of cashback. Also, you can use the credit card for other purposes and get cashback. The best thing about this credit card is that it has no joining fees and annual fees.

There is no specific minimum income requirement for this credit card. The authorities will communicate with you and verify your income to decide whether you are eligible for this card or not. This credit card is great for online shopping and getting cashback. This credit card offers a 1% fuel surcharge waiver on all petrol pumps in India.

The credit card offers 5% cashback on every purchase from amazon for amazon prime customers. Non-prime customers can avail of up to 3% cashback on purchases from Amazon using Amazon Pay ICICI credit card. It provides up to 2% cashback on recharges and bill payments and 1% cashback on purchases in different categories.

Axis Bank Ace Credit Card

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Axis Bank Ace Credit Card is ideal for those who are willing to get cashback on every purchase. This card provides a universal cashback of up to 2%. It offers up to 5% cashback on mobile recharges and bill payments on google pay. Also, you can get scratch cards on google pay when using this credit card for payments which will give you extra cash.

It offers up to 4% cashback on Zomato, Swiggy, and ola. When you spend using this credit card, you will get up to 2% cashback. The best thing about this credit card is that its annual fee is low compared to other cards, and there is no limit on how much cashback you can earn when using this credit card. 

This credit card provides four complimentary lounge visits at domestic airports every calendar year. Moreover, it provides a 1% fuel surcharge waiver at all petrol pumps for transactions between 400 to 4000 rupees with a maximum benefit of 500 rupees.The card provides a 20% discount at partner restaurants for transactions above 4000 rupees.

Simply Click SBI Credit Card 


This credit card is a good choice for users who are looking for an economical card for their spending. It offers benefits on all shopping sites and provides good reward points. It also allows you to register utility bills and make payments on time. It is a beginner-friendly credit card and has no hidden charges or any other related problems.

The joining fee of this credit card is 499 rupees with applicable taxes. Its annual fee is 499 rupees with applicable taxes. But the annual fee can be voided if you spend 1,00,000 rupees using this card. It provides an Amazon gift card worth 500 rupees as a welcome gift.The credit card provides 2.50 rupees worth points on shopping from its partner sites.

Also, it offers 1.5 rupees payback points on the spending of 100 rupees. This way, theSimply Click SBI credit card is great for availing cashback on shopping. It also offers a 1% fuel surcharge waiver benefit for transactions between 500 to 3,000 rupees. When you spend 1lakh rupees annually online, you will get an e-voucher worth 2000 rupees. 

HDFC Regalia Credit Card


This credit card is suitable for you if you are looking to get benefits in every category. It provides many benefits on shopping, travel, food, and other categories. So, we can say that it is an all-rounder card and loaded with a lot of benefits. Its joining fee is 2500 with the applicable GST.

The credit card charges up to 2500 rupees with the applicable GST as an annual fee. But this fee can be voided if you spend 3 lakh rupees in a calendar year. To be eligible for this credit card, one needs to have a monthly income of 1 lakh rupees. This credit card offers 4 reward points on the spending of every 150 rupees.

It provides 10000 reward points on the spending of 5 lakh rupees and extra 5000 reward points when you spend 8 lakh rupees. You can redeem these reward points on hotel booking, flights, gifts, etc. Moreover, the credit card offers 15 lakh of emergency overseas hospitalization and a 1 crore air accidental death cover.

Bottom Line       

Credit cards are the best suit for people who are willing to save some money on shopping, food, travel, recharges, and bill payments. Further, they come with several benefits that transform the way people spend. Therefore, you will have to consider all the features of the credit card and go with the one that matches your requirements.


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