Best Credit Cards in India 2025: Top 5 Credit Cards for Salaried Professionals
In today’s fast-moving digital economy, credit cards have evolved into much more than just a payment tool. For salaried professionals, they offer a perfect combination of convenience, savings, and lifestyle benefits—from cashback and reward points to airport lounge access and travel perks.
With banks now offering streamlined application processes and tailor-made options, applying for a credit card has never been more accessible. So, if you’re looking to get the most out of your monthly income, here are the top 5 credit cards in India for salaried individuals in 2025, carefully selected for their features, affordability, and long-term value.
1. SBI SimplySAVE Credit Card
The SBI SimplySAVE Credit Card is a great fit for first-time users and anyone looking to cut down everyday spending costs. With solid reward points on groceries, dining, and utility bills, it offers a smart way to manage monthly expenses while earning back on them.
Highlights:
- Earn 1 reward point for every ₹100 spent
- Additional points on grocery, dining, movies, and department store spends
- Track your expenses easily via SMS and email notifications
- Convert large purchases into easy EMIs
- Use EasyBill to pay bills with no added charges
- Affordable annual fee, ideal for beginners
Best For: Budget-conscious professionals and first-time cardholders
2. SBI SimplyCLICK Credit Card
If your shopping mostly happens online, the SBI SimplyCLICK Credit Card offers exceptional value. Designed for the digital lifestyle, this card offers high rewards on e-commerce platforms and exclusive deals with top brands.
Key Features:
- Get a ₹500 Amazon voucher as a welcome gift
- Earn 5X reward points on all online purchases
- 10X rewards on Amazon, BookMyShow, Lenskart, Zoomcar & OLA
- Spend ₹1 lakh annually and get a ₹2,000 e-voucher
- Annual fee of ₹499 is waived on spending ₹1 lakh/year
Best For: Regular online shoppers and digital-savvy professionals
3. HSBC Visa Platinum Credit Card
Looking for a lifetime-free credit card in India with travel and dining perks? The HSBC Visa Platinum card comes with zero joining and annual fees and is packed with benefits—making it one of the best no-fee credit cards for salaried individuals.
Top Benefits:
- No annual or joining fees—ever
- Earn 2 points per ₹150 spent
- 3X reward points on telecom, hotels, and dining (first 12 months)
- Up to ₹7,500 cashback on MakeMyTrip bookings
- 15% discount at select restaurants and lounges
- 10% cashback within 90 days of card issuance
Best For: Professionals who want premium benefits without paying annual fees
4. Axis Bank Platinum Credit Card
The Axis Bank Platinum Credit Card delivers consistent value for salaried individuals looking for reliable benefits like fuel surcharge waivers, movie ticket cashback, and family add-ons.
Main Features:
- 2.5% fuel surcharge waiver on spends between ₹400–₹4,000
- 100 reward points for every add-on card issued
- Supplementary cards available for family members
- Zero liability on lost/stolen card when reported promptly
- 25% cashback on movie ticket bookings
Best For: Daily users, families, and fuel spenders
5. HDFC Diners Club Black Credit Card
For those earning a high salary and seeking luxury travel benefits and elite rewards, the HDFC Diners Club Black is hard to beat. With unlimited airport lounge access, complimentary golf sessions, and international privileges, this card is tailored for the modern professional with global aspirations.
Exclusive Perks:
- Unlimited airport lounge access across 700+ global lounges
- Low 2% forex markup on international transactions
- Up to 15% discount at premium restaurants
- Complimentary golf access at top Indian golf courses
- 50 days of interest-free credit
- ₹5,000 worth of renewal reward points
- ₹1,000 fuel surcharge waiver
- Comprehensive insurance: ₹2 Cr air accident cover & ₹50 Lakh medical insurance
Best For: High-income individuals who want premium lifestyle perks
Frequently Asked Questions (FAQs)
1. How can salaried employees apply for a credit card in India?
You can apply online through the official bank website or visit a branch. Banks typically assess your salary, credit score, and liabilities before approving the card.
2. Is SBI SimplySAVE good for salary account holders?
Yes, it’s an ideal fit. It’s affordable and rewards daily expenses like groceries and bills.
3. What’s the credit limit for SBI SimplyCLICK?
The credit limit varies based on your income, credit history, and the bank’s evaluation. You’ll know the limit upon approval.
4. How can I check my credit card application status?
Most banks, including SBI, allow status tracking through your application number and mobile number on their websites.
5. How do I redeem SBI SimplyCLICK reward points?
Use the SBI Card reward portal to redeem points online or visit select branches.
6. What’s the minimum salary required for SBI SimplyCLICK?
You need to earn at least ₹20,000/month (salaried) or ₹30,000/month (self-employed).
7. What documents are needed for HSBC Visa Platinum?
Submit valid ID proof (PAN, Aadhaar, passport, etc.) and address proof (utility bill, bank statement, etc.).
8. What does ‘Zero Liability’ mean on Axis Platinum?
If your card is lost/stolen and reported immediately, you won’t be held responsible for unauthorized transactions.
9. Does Axis Platinum offer movie discounts?
Yes, it provides 25% cashback on movie ticket bookings through select platforms.
10. What’s the reward rate on Axis Bank Platinum?
You earn 6 reward points per ₹200 spent, redeemable for various rewards.
Final Thoughts:
Whether you’re saving on groceries, traveling internationally, or enjoying premium lifestyle perks, the right credit card can make all the difference. Don’t settle—compare your options, understand your needs, and choose the card that delivers maximum value for your income and spending habits.
Start building smarter financial habits today with the best credit card for your lifestyle.
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Disclaimer
The information, products, and services on this site is for general information purposes only. We try to make sure all content is accurate and update promptly, but sometimes there may be errors, delays, or omissions.
The information provided on this site is not a substitute for professional financial, legal, or other advice. Before making financial decisions or using any product/service, we encourage you to read the relevant documents or terms and conditions carefully. If you want guidance regarding your personal situation you should speak to a qualified advisor.If you find any errors, please contact us.
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Vikas Saini: Published on 21/07/2025
