Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

By Kavya Balaji | July 4, 2017

Who wouldn’t want the numerous benefits that come with a Credit Card? Credit Cards come in handy anytime you need them (provided you use them wisely and pay your Credit Card bills on time). The present trend going around is to go paperless and cashless. That’s where a Credit Card trumps cash. And you also get benefits such as reward points, cashback and freebies along with your card.

Additional Reading: Paving The Way For Paperless Transactions – Adhil Shetty On Demonetisation

We have put together a helpful list of Credit Cards for anyone earning less than Rs. 20,000 per month. In case you earn more than Rs. 20,000 but less than Rs. 25,000 per month, we have  options for you too

 Let’s assume the Credit Card applicant is aged 21 years.

For a salary range of Rs. 15,000 to Rs. 20,000 per month:

SBI Simply Save Card Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month
This card comes with a joining bonus of 2000 points if you spend Rs. 2,000 within the first 60 days of getting the card. That’s an easy milestone, isn’t it? You also get 10x rewards on all dining, movies, grocery and departmental store purchases. For all other spends, you will get 1 reward point for every Rs. 100 that is swiped.

The best part? You can redeem the reward points against your Credit Card outstanding. Now, how cool is that? You would rather pay the bills using your own money? Then, redeem them for gifts from the SBI Rewards catalogue.

Want’s more? You also get a 1% fuel surcharge waiver for transactions that range between Rs. 500 and Rs. 3,000. If you are applying for this card with BankBazaar, you can choose the paperless approval option for faster approval.

SBI Simply Click Card Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

Love shopping online? Then, this card is for you. Get Amazon gift voucher worth Rs. 500 as joining bonus along with the card.

Just like the SBI Simply Save card, you get 10x reward points for your online spends with exclusive online partners. For all your other online spends you get 5x reward points.

Are you more likely to use your card for making purchases offline? Well, you get 1 reward point for every Rs. 100 spent. Want more? Spend Rs. 1 lakh a year and your annual fee will be waived off. BankBazaar allows you to choose the paperless approval option if you are applying for this card with us.

IRCTC SBI Platinum Card Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

Love taking the train for your travels? Then, you should check out this card. You can get up to 10% cashback for your ticket spends on the Indian Railway Catering and Tourism Corporation (IRCTC) website. This is valid for all AC coach ticket bookings.

What else? You get a 1.8% transaction charge waiver on all the train tickets that you book using the IRCTC website. Just like the SBI Simply Save card, you get a 1% fuel surcharge waiver for transactions that range between Rs. 500 and Rs. 3,000.

Want more? Get 350 points for every Rs. 500 that you spend using the card in the first 45 days of getting your card. For all your other spends, you can get 1 reward point for every Rs. 125 spent. You can also get free train tickets using the reward points. If you are applying for this card with BankBazaar, you can choose the paperless approval option for faster approvals.

Additional Reading: Credit Card Handbook: All Questions Answered

For a salary between Rs. 20,000 – Rs. 25,000 per month:

Yatra SBI Card Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

Do you have a severe attack of wanderlust and just can’t stay at home? Then check out the benefits this card has to offer.

You get Yatra.com gift vouchers worth Rs. 8,250 as joining bonus. Love the airport lounges? Get exclusive access to MasterCard airport lounges in India. If you become a Yatra.com customer and spend Rs. 30,000 on their site, you get Yatra.com vouchers worth Rs. 500. You also get 6x reward points on base fare for purchases made on Yatra.com.

What about those grocery and departmental store spends? You get 6x reward points for those too. For all other spends, the card will give you 1 reward point for every Rs. 100 spent. BankBazaar allows you to choose the paperless approval option if you are applying for this card with us.

FBB SBI Styleup Card

Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

Love shopping for clothes? Then, you can surely consider this card. You get a free gift voucher worth Rs. 500 as joining bonus. You can redeem this for items from the fashion segment at Big Bazaar stores or Fashion @ Big Bazaar (FBB) stores.

The best part? Get a lifetime 10% off on FBB merchandise. This card supports contactless payment too. You can simply wave the card at a secure card reader and your transaction will be done. What else? You get 2.5% cashback on all your spends at Big Bazaar, FBB and Food Bazaar stores.

You can also get 10x reward points on all your dining spends. Just like the IRCTC SBI Platinum card, you get a 1% fuel surcharge waiver for transactions that range between Rs. 500 and Rs. 3,000. If you are applying for this card with BankBazaar, you can choose the paperless approval option for faster approvals.

Additional Reading: Personal Loans For People Earning Less Than Rs. 20,000 Per Month

If you have found your match among these many Credit Card options, don’t wait any longer. Get a card today and enjoy the perks that come with going cashless.

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Category: Credit Cards
Kavya Balaji

About Kavya Balaji

A personal finance professional with over 10 years of experience in financial research. She believes financial literacy is important and is passionate about sharing her knowledge on the subject.

4 thoughts on “Credit Cards If You’re Earning Less Than Rs. 20,000 Per Month

  1. Akshay Gawade

    Wrong information is given on this page.
    I’m searching for credit card and my net salary is INR17000/- per month.
    You shows three card for my salary range on this page.
    But when I check for eligibility, it says that I am not eligible.

    Reply
    1. Team BankBazaarTeam BankBazaar

      Hi Akshay, Your income is just one of the factors that affect your eligibility. Other factors such as your employer, employment tenure, your Credit Score, etc. also play a role. It’s quite possible that one of these factors may be the reason behind your ineligibility for a Credit Card even though your net salary is INR 17,000. Cheers, Team BankBazaar

      Reply
  2. Ekansh

    My Name Is Ekansh & I Want Credit Card But Your Website Was Always Showing Me You Are Not Eligible Whereas My Salary is 20K Per Month What I Should I Do To Take Them.

    Reply

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