Popular Credit Cards for ₹20K Salary

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MoneyBack+ Credit Card

MINIMUM SALARY

₹ 20,000

Annual Fee

₹ 500

Benefits:
LifestyleShopping

CashBack On:

  • Amazon, Flipkart, Swiggy, Reliance Smart SuperStore & BigBasket

Features:

  • 10x Cashpoints(3.3% Valueback) At Select Merchants
  • Gift Voucher Worth Upto ₹500 On Spends On ₹50,000 Per Calendar Quarter
  • 10% Additional Discount On Swiggy Dineout
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Shoppers Stop HDFC Bank Credit Card

MINIMUM SALARY

₹ 20,000

Annual Fee

₹ 299

Benefits:
Shopping

CashBack On:

  • Shoppers Stop Purchases

Features:

  • 3% Rewards Points On Shoppers Stop Purchases
  • Welcome Voucher Worth ₹500
  • Shoppers Stop Siver Edge Membership
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PhonePe HDFC Bank Uno Credit Card

MINIMUM SALARY

₹ 20,000

Annual Fee

₹ 499

Benefits:
FoodLifestyle

CashBack On:

  • Amazon, Flipkart, Myntra & many more

Features:

  • 2% Rewards Points On Select Phonepe Categories
  • 1% Rewards Points On Select Online Brands
  • 1% Rewards Points On All Scan & Pay Transactions
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PhonePe HDFC Bank Ultimo Credit Card

MINIMUM SALARY

₹ 20,000

Annual Fee

₹ 999

Benefits:
LifestyleFood

CashBack On:

  • Amazon, Flipkart, Myntra & many

Features:

  • 10% Rewards Points On Select PhonePe Categories
  • 5% Rewards Points On Select Online Brands
  • 1% Rewards Points On All Scan & Pay Transactions
Apply NowKnow More
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Swiggy HDFC Bank Credit Card

MINIMUM SALARY

₹ 15,000

Annual Fee

₹ 500

Benefits:
DiningShopping

CashBack On:

  • Instamart, DineOut & SwiggyGenie

Features:

  • 10% Cashback On Swiggy App
  • 3 Months Swiggy One Membership
  • 5% Cashback On Amazon, Flipkart And 100s Of Merchants
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Indian Oil HDFC Bank Credit Card

MINIMUM SALARY

₹ 12,000

Annual Fee

₹ 500

Benefits:
FuelGroceryBill Payments

CashBack On:

  • IndianOil XTRAREWARDSTM Program (IXRP) membership

Features:

  • Earn up to 50 Litres of Free fuel annually
  • Earn 5% of your spends as Fuel Points at IndianOil outlets*
  • Earn 5% of your spends as Fuel Points on Groceries and Bill Payments*
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Freedom Credit Card

MINIMUM SALARY

₹ 12,000

Annual Fee

₹ 500

Benefits:
LifestyleEntertainmentCashback

CashBack On:

  • Big Basket, BookMyShow, OYO & many more

Features:

  • 10x Cashpoint On Select Merchant
  • Get Additional 10% Off via Swiggy Dineout
  • Up To 50 Days Of Interest Free Period
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Credit Cards by Salary Ranges

Credit Cards for ₹15K SalaryCredit Cards for ₹25K SalaryCredit Cards for ₹30K SalaryCredit Cards for ₹35K SalaryCredit Cards for ₹40K SalaryCredit Cards for ₹45K SalaryCredit Cards for ₹50K SalaryCredit Cards for ₹60K SalaryCredit Cards for ₹70K SalaryCredit Cards for ₹80K Salary

Credit Card Offers on Categories

Credit Card Offers on FoodCredit Card Offers on ShoppingCredit Card Offers on Travel

Credit Card Offers by Features

Credit Card Offers on Airport Lounge AccessCredit Card Offers on BusinessCredit Card Offers on CashbackCredit Card Offers on Co-BrandedCredit Card Offers on ContactlessCredit Card Offers on CorporateCredit Card Offers on FuelCredit Card Offers on GolfCredit Card Offers on Health & WellnessCredit Card Offers on Railway Lounge Access

Explore a wide range of HDFC Bank Credit Cards today!

Why Choose HDFC Bank Credit Card?

New Card Holder Benefits

Get exclusive benefits by signing up for an HDFC Bank Credit Card.

SmartEMI

Easy EMIs on Credit Card purchases of ₹2,500 or more Flexible repayment options.

Interest Rates

Choose from a wide range of cards designed to match your lifestyle and spending needs.

Contactless Payments

Quick tap payment option for offline transactions.

Best Credit Cards for ₹20K Salary: Unlock Premium Benefits

With an income of Credit Cards for ₹20K Salary per month, you become eligible for some of HDFC Bank’s most rewarding offerings: 

  • Digital Options: HDFC Bank digital cards like the Pixel Play Credit Card and the Pixel Go Credit Card can help you get digital-first rewards for online purchases and entertainment spending.
  • CashBack: HDFC Bank MoneyBack+ Credit Card or the HDFC Bank Millennia Credit Card can help you get accelerated CashBack on groceries, dining, popular online platforms, and more.
  • Lifestyle: HDFC Bank Freedom Credit Card to avail benefits on movies, dining, daily purchases, and more.

Key Benefits of Credit Cards for ₹20K Salary

Here are some benefits:

  • Premium Access: Complimentary domestic or international lounge entries on select cards.
  • Higher Rewards: Earn points or CashBack faster on spends.
  • Lifestyle Benefits: Dining, entertainment, and shopping offers.
  • Travel Privileges: Air miles, hotel discounts, and Insurance.
  • Digital Convenience: Manage your Credit Card easily through HDFC Bank NetBanking, MobileBanking or PayZapp.
  • Convenient EMIs: Use SmartEMI to break your bills into easy and affordable EMIs.

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