EVERYDAY & SALARIED EMPLOYEES · FORM 16 & PAYSLIP UNDERWRITING

Credit Cards for Salaried Professionals

Salaried employees represent India's core consumer banking segment. Most major issuing banks structure their entry and mid-tier credit cards around net monthly take-home salary slabs (from ₹25,000 for entry-level up to ₹2,50,000 for super-premium cards). This directory documents cards optimized for everyday expenses, utility bills, departmental stores, and dining, with clear spend-based annual fee waiver thresholds.

Browse Cards by Target Segment

All Cards117 Student4 Salaried12 Self-Employed104 Travel47 Fuel7 Rewards41 Lifetime Free22

1. Income Documentation

Standard underwriting requires the last 3 months' salary slips, Form 16 (Part A & B), and a 6-month bank statement demonstrating consistent salary credits from a recognized corporate employer.

2. Spend-Based Fee Waivers

Almost all salaried credit cards waive the subsequent annual fee if retail transactions cross ₹1,00,000 to ₹3,00,000 in the preceding anniversary year. Note: Rent and wallet reloads are excluded from this threshold.

3. Salary Account Advantage

Maintaining your corporate salary account with an issuing bank (HDFC, ICICI, Axis, SBI, Kotak) often unlocks instant pre-approved cards with zero physical documentation and lifetime-free (LTF) waivers.

Verified Salaried Cards (12)

100% Verified MITC

💼SalariedEntry-Level

Verified MITC

AU Small Finance Bank Altura Credit Card

SBI Card•Visa•एयू स्मॉल फाइनेंस बैंक अल्तुरा क्रेडिट कार्ड

Affordable starter card offering 2% cashback on groceries & departmental stores, railway lounge visits, and ₹40,000 spend waiver.

Joining / Annual Fee₹199 + GST (Renewal: ₹199 + GST)

Lounge Access2 complimentary domestic railway lounge visits per calendar quarter.

Reward: 2% cashback on grocery, departmental stores, and utility bill spends (capped at ₹50 per statement cycle per merchant category). 1% cashback on all other retail transactions (capped at ₹50 per cycle).

Welcome: Amazon gift voucher worth ₹250 or fee reversal on spending ₹10,000 within 60 days of card issuance.

Fee Waiver: Spend ₹40,000 or more in each preceding anniversary year to get the annual renewal fee of ₹199 waived.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

Apollo SBI Card

SBI Card•Visa•अपोलो एसबीआई कार्ड

Healthcare credit card offering OneApollo Gold membership, 3X points on Apollo Hospitals & Pharmacy, and 1:1 redemption as Apollo Health Credits.

Joining / Annual Fee₹499 + GST (Renewal: ₹499 + GST)

Lounge AccessNo complimentary airport lounge access.

Reward: 3X Reward Points (3 points per ₹100 spent) on all Apollo services (Apollo Hospitals, Apollo Pharmacy, Apollo 24|7 app). 2X Reward Points per ₹100 on Dining, Movies, and Entertainment. 1 Reward Point per ₹100 on Beauty & Wellness. 1 Reward Point per ₹200 on other retail.

Welcome: 500 bonus Reward Points (worth ₹500) upon payment of joining fee + complimentary OneApollo Gold Tier Membership.

Fee Waiver: Spend ₹1,00,000 or more in the preceding membership year to get the annual renewal fee of ₹499 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEveryday / Salaried

Verified MITC

Apollo SBI Card SELECT

SBI Card•Visa•अपोलो एसबीआई कार्ड सेलेक्ट

Premium healthcare credit card offering OneApollo Platinum tier, up to 10% value back on Apollo healthcare, 4 domestic lounge visits, and annual health checkup.

Joining / Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Lounge Access4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).

Reward: Up to 10% value back (Reward Points) on Apollo services, consultations, and Apollo 24|7 orders. 3 Reward Points per ₹100 on dining and entertainment. 1 Reward Point per ₹100 on other retail.

Welcome: 1,500 bonus Reward Points (worth ₹1,500) upon payment of joining fee + complimentary OneApollo Platinum Tier Membership.

Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

Axis Neo Credit Card

SBI Card•Visa•एक्सिस नियो क्रेडिट कार्ड

Budget shopping card offering 10% instant discount on Blinkit groceries, BookMyShow tickets, and Myntra fashion purchases.

Joining / Annual Fee₹400 + GST (Renewal: ₹400 + GST)

Lounge AccessNo complimentary airport lounge access is included on this entry card.

Reward: 10% off on Blinkit grocery deliveries on minimum spend of ₹750 (up to ₹250 per month). 10% off on BookMyShow movie tickets up to ₹100 per month. 10% off on Myntra on minimum purchase of ₹500. 1 EDGE Reward Point per ₹200 on all other retail transactions.

Welcome: Amazon gift voucher worth ₹250 upon card activation and first retail transaction within 30 days.

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹400 waived.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

HDFC Freedom Credit Card

SBI Card•Visa / Mastercard / RuPay•एचडीएफसी फ्रीडम क्रेडिट कार्ड

Entry-level credit-builder card offering 10X CashPoints on BigBasket, Swiggy, Uber, BookMyShow, and ₹50,000 spend-based fee waiver.

Joining / Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Lounge AccessNo complimentary airport lounge access.

Reward: 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, and Uber (capped at 2,500 CashPoints per calendar month). 1 CashPoint per ₹150 on all other retail spends.

Welcome: 500 CashPoints credited upon payment of joining fee and card activation.

Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

ICICI Platinum Chip Credit Card

SBI Card•Visa / Mastercard•आईसीआईसीआई प्लेटिनम चिप क्रेडिट कार्ड

Unconditionally Lifetime Free (LTF) credit card with zero annual fees, microchip security, and 1% fuel surcharge waiver.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this lifetime-free starter card.

Reward: 2 ICICI Reward Points per ₹100 spent on all retail transactions (excluding fuel). 1 Reward Point per ₹100 on utilities and insurance categories.

Welcome: Lifetime free card issuance with zero joining fee and microchip fraud protection.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

💼SalariedEveryday / Salaried

Verified MITC

SBI Card PRIME

SBI Card•Visa / Mastercard / American Express•एसबीआई कार्ड प्राइम

Premier salaried lifestyle credit card offering ₹3,000 welcome voucher, 8 domestic + 4 international Priority Pass lounge visits, and ₹11,000 in annual milestone vouchers.

Joining / Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Lounge Access8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass Membership with 4 complimentary international airport lounge visits per calendar year (max 2 visits per quarter).

Reward: 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movie tickets. 2 Reward Points per ₹100 on all other retail spends.

Welcome: e-Gift Voucher worth ₹3,000 from choice of top retail brands: Bata/Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra.com.

Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEveryday / Salaried

Verified MITC

SBI Card PRIME Advantage

SBI Card•Visa / Mastercard•एसबीआई कार्ड प्राइम एडवांटेज

Deposit-backed premium card offering ₹3,000 welcome voucher, 8 domestic + 4 Priority Pass lounge visits, and 10X dining rewards.

Joining / Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Lounge Access8 complimentary domestic lounge visits per year (max 2/quarter). 4 complimentary international lounge visits via Priority Pass.

Reward: 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movies. 2 Reward Points per ₹100 on other retail.

Welcome: e-Gift Voucher worth ₹3,000 from choice of top retail brands: Bata, Pantaloons, Shoppers Stop, or Yatra.com.

Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEveryday / Salaried

Verified MITC

SBI Card PULSE

SBI Card•Visa•एसबीआई कार्ड पल्स

Health & fitness credit card offering Noise Smartwatch, 1-year FITPASS PRO gym membership, Netmeds First, 8 domestic lounge visits, and 10X pharmacy rewards.

Joining / Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Lounge Access8 complimentary domestic airport lounge visits per year (max 2 visits per quarter).

Reward: 10 Reward Points per ₹100 spent on Chemist, Pharmacy, Dining, and Movie purchases. 2 Reward Points per ₹100 on all other retail transactions.

Welcome: Noise ColorFit Pulse Series Smartwatch (worth ₹4,999) upon payment of joining fee and first retail transaction.

Fee Waiver: Spend ₹2,00,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

SBI Card Shaurya

SBI Card•RuPay / Visa•एसबीआई कार्ड शौर्य

Dedicated armed forces credit card for military and paramilitary personnel offering 5X rewards at CSD canteens, concessional 2.75% interest, and low ₹250 fee.

Joining / Annual Fee₹250 + GST (Renewal: ₹250 + GST)

Lounge AccessNo complimentary airport lounge access included with standard variant.

Reward: 5X Reward Points (5 points per ₹100 spent) on CSD (Canteen Stores Department), Dining, Grocery, and Departmental Stores. 1 Reward Point per ₹100 on other retail.

Welcome: 1,000 bonus Reward Points (worth ₹250) upon payment of joining fee + concessional interest rate of 2.75% per month.

Fee Waiver: Spend ₹50,000 or more in the preceding membership year to get the annual renewal fee of ₹250 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEveryday / Salaried

Verified MITC

SBI Card Shaurya Select

SBI Card•RuPay / Visa•एसबीआई कार्ड शौर्य सेलेक्ट

Premium military credit card for defence officers offering 10X CSD canteen rewards, 4 domestic lounge visits, concessional 2.75% interest, and ₹10L insurance cover.

Joining / Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Lounge Access4 complimentary domestic airport lounge visits per calendar year (max 1 visit per quarter).

Reward: 10 Reward Points per ₹100 spent on CSD (Canteen Stores Department), Dining, Grocery, Departmental Stores, and Movies. 2 Reward Points per ₹100 on other retail.

Welcome: 1,500 bonus Reward Points (worth ₹1,500 on military lifestyle vouchers) upon payment of joining fee + concessional 2.75% monthly interest rate.

Fee Waiver: Spend ₹1,50,000 or more in the preceding membership year to get the annual renewal fee of ₹1,499 reversed.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

SBI Card Unnati

SBI Card•Visa•एसबीआई कार्ड उन्नति

Financial inclusion and credit-builder card issued against ₹25,000 SBI Fixed Deposit with zero income proof, zero annual fee for 4 years, and ₹500 milestone cashback.

Joining / Annual FeeNIL for first 4 years (₹499 + GST from 5th year onwards)

Lounge AccessNo complimentary airport lounge access.

Reward: 1 Reward Point per ₹100 spent on all retail transactions.

Welcome: Zero annual fee for the first 4 years and 100% approval against an SBI Fixed Deposit of ₹25,000 or more without requiring any income proof or previous credit history.

Fee Waiver: Spend ₹50,000 or more in the preceding year to waive the ₹499 renewal fee from the 5th year onwards.

Verified 2026-09-28Full MITC & Terms

Consumer Protection Notice: In accordance with RBI guidelines, card issuers cannot unilaterally convert unbilled balances into auto-EMIs without explicit cardholder consent. Additionally, interest-free periods (typically 20–50 days) only apply if previous statement balances were paid in full.