Best Credit Cardsfor Every Lifestyle

The minimum income requirement varies by bank and card type. Entry-level cards typically require ₹15,000-25,000 monthly income, while premium cards may require ₹50,000+ monthly income. Many banks also offer secured credit cards and student cards with lower income requirements.

To increase approval chances: maintain a credit score of 750+, ensure stable income with proper documentation, apply for cards matching your profile, start with your existing bank, and avoid multiple applications within a short period.

Essential documents include PAN card, Aadhaar card, income proof (salary slips/ITR for last 3 months), bank statements, and address proof. Self-employed individuals may need additional business documents and GST registration proof.

Yes, options include secured credit cards against fixed deposits, becoming an add-on cardholder on someone else's account, or applying for basic entry-level cards. Some NBFCs offer cards for lower credit scores with higher interest rates.

Cashback cards provide direct money back (1-5%) credited to your statement. Rewards cards give points (1-10 per ₹100) redeemable for gifts, vouchers, or travel. Each card has specific categories with higher earning rates and monthly/annual caps.

Common fees include joining fee (₹0-₹10,000), annual fee (often waived on spending thresholds), late payment charges (₹100-₹1,000), cash advance fee (2.5-3.5%), and foreign transaction fee (2-3.5%). Many cards offer lifetime free options.