There are many factors which come into play when you opt for a credit card in your bank. Getting a credit card mostly depends on your credit score i.e. how timely you pay your interest on loan as EMIs and et cetera. And, if you do get the choice or an option to get a credit card, there are a lot important things which you need to make a note of before you take a credit card- the repayment capacity, discount and savings offers, annual fees, reward point calculation and et cetera. Here, we will be discussing about the top 5 credit cards which a person on salary will be very easily be able to use.

  1. SBI Simply Save Card

The SBI Simply Save Credit Card is said to be the best with individuals who have salaries. They will be able to enjoy the shopping and travelling benefits provided by it. It also provides you with a welcome gift of 2000 points for Rs. 2000 spent at the beginning of the time period when you receive the card. It also provides you with a 2.5% fuel surcharge waiver for every transaction between Rs. 500 to Rs. 3000

  1. HSBC Premier Master Card

This credit card is mainly is mainly given HSBC bank account holders which provides you with numerous benefits which includes cash back or discount in dining, shopping or in traveling. The only criterion to avail this credit card is that you have to earn about rupees 5 lakhs, annually. The APR, when compared with other banks, is quite low than other others and is about 29.88%


  1. Citibank Indian Oil Card

If you love to travel, then this is the perfect credit card for you. This credit card by Citibank which is co-branded by Indian Oil provides you with about 5% value back on the fuel bill whenever you swap it in an Indian Oil outlet. For every purchase made from this card, you get to earn Turbo Points, which can be exchanged for free fuel at any Indian Oil outlet.

  1. Axis Bank Insta Credit Card

This is one of the few good credit cards for which you can apply even though you have a poor credit history. To avail this credit card, all you need to do is to open a Fixed Deposit account with a minimum of Rs. 20, 000 to Rs. 25 lakhs as the ceiling limit in Axis bank and your credit card application will be accepted.

  1. ICICI HPCL Coral Credit Card

This credit card is said to be one of the best when it comes to either online shopping or to tackle the rising price of fuel. Every purchase gives you points which can be redeemed for discounts on stores, vouchers or et cetera. To avail this card, one has to have a monthly salary of Rs. 45,000 at the least.

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