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Curated Picks|Updated June 2026

Best Cards for Low to Moderate Income (June 2026)

Even with a lower income, you can get a solid credit card. FD-backed cards, entry-level bank cards, and lifetime free options are accessible paths to building credit history.

How to Choose

  • FD-backed cards have the easiest approval with no income proof needed
  • Stick to zero annual fee cards to avoid unnecessary costs
  • Use the card responsibly to build CIBIL score for future upgrades
  • Avoid cards with high fees that eat into limited earnings

Top 15 Cards for Cards for Low to Moderate Income

#1

ICICI Amazon Pay

ICICI · No annual fee · 100% rewards

#2

ICICI MakeMyTrip Signature

ICICI · No annual fee · 100% rewards

#3

Standard Chartered Priority Visa Infinite

SC · No annual fee · 100% rewards

#4

IndusInd Pinnacle

IndusInd · No annual fee · 75% rewards

#5

IndusInd Nexxt

IndusInd · No annual fee · 75% rewards

#6

IndusInd Legend

IndusInd · No annual fee · 50% rewards

#7

IndusInd Platinum Aura Edge

IndusInd · No annual fee · 40% rewards

#8

IndusInd Tiger

IndusInd · No annual fee · 40% rewards

#9

IndusInd Platinum RuPay

IndusInd · No annual fee · 35% rewards

#10

HSBC Visa Platinum

HSBC · No annual fee · 25% rewards

#11

AU NoMo

AU · No annual fee · 25% rewards

#12

HSBC RuPay Platinum

HSBC · No annual fee · 25% rewards

#13

IDFC First FIRST WOW!

IDFC First · No annual fee · 25% rewards

#14

IDFC First Select

IDFC First · No annual fee · 25% rewards

#15

IDFC First Wealth

IDFC First · No annual fee · 25% rewards

Frequently Asked Questions

Can I get a credit card with 2 lakh salary?
Yes. FD-backed cards from ICICI, Axis, and Kotak require no income proof. Some banks also offer basic cards starting at 2-3L annual income.

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