Issuers publish a minimum monthly income for each card. It is a floor, not a promise: meeting it makes you eligible to apply, and the bank then assesses your profile. The table shows which listed cards sit under each income level.
CardSetu currently lists a curated set of sample cards from participating issuers while the full catalogue is onboarded. Every figure below is read live from that catalogue; it describes the cards listed on CardSetu, not the entire Indian market.
Cards by minimum monthly income
| Minimum monthly income up to | Listed cards you can apply for | Examples |
|---|---|---|
| ₹20K | 2 | SBI Smart Save, RBL Bazaar Plus |
| ₹30K | 8 | Axis Cinema Plus, AU Switch, HDFC Daily Saver |
| ₹50K | 9 | IDFC FIRST Prestige, Axis Cinema Plus, AU Switch |
| ₹1L | 12 | HDFC Skyline Travel, SBI Horizon Travel, IndusInd Crest |
| ₹1.5L | 14 | AU Summit, ICICI Sapphire Signature, HDFC Skyline Travel |
Reading the bands
- A card under ₹30,000 is usually an entry-level or lifetime free card with everyday rewards.
- Between ₹50,000 and ₹1 lakh you start to see lounge access and stronger reward rates, often with an annual fee.
- Above ₹1 lakh the cards are premium travel and lifestyle products; check the fee against the benefits you will use.
CardSetu's indicative eligibility check uses your stated income against these floors; the issuing institution makes the final decision on approval and credit limit.
How these lists are built: each guide states its own criteria above its list, card facts are read from the CardSetu catalogue at render time, and “best” means best against those criteria among the cards listed on CardSetu. Fees and benefits are indicative and can change; verify with the issuer. Final approval is the issuer’s decision. See how CardSetu compares credit cards.