Vyaya
Curated Picks|Updated March 2026

Best Cards for Low to Moderate Income (March 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

Amazon Pay ICICI Bank Credit Card

ICICI · No annual fee · 100% rewards

#2

Fibe Axis Bank Credit Card

AXIS · No annual fee · 100% rewards

#3

Kotak Mahindra Bank Fortune Gold

KOTAK · No annual fee · 100% rewards

#4

Kotak Infinite Credit Card

8.5

KOTAK · No annual fee · 70% rewards

#5

Axis Bank LIC Platinum Credit Card

AXIS · No annual fee · 66% rewards

#6

ICICI Bank Parakram Select Credit Card

ICICI · No annual fee · 25% rewards

#7

ICICI Bank Parakram Credit Card

ICICI · No annual fee · 25% rewards

#8

ICICI Bank Instant Platinum Credit Card

ICICI · No annual fee · 25% rewards

#9

ICICI Bank Platinum Chip Credit Card

ICICI · No annual fee · 25% rewards

#10

Axis Bank Burgundy Private - The One Card

9.5

AXIS · No annual fee · 20% rewards

#11

Axis Bank Kwik Credit Card

AXIS · No annual fee · 20% rewards

#12

Axis Bank Infinite Credit Card

AXIS · No annual fee · 20% rewards

#13

Kotak Mahindra Bank 811 #DreamDifferent Credit Card

KOTAK · No annual fee · 20% rewards

#14

American Express Business Travel Account

AMEX · No annual fee

#15

HDFC Bank UPI RuPay Credit Card

HDFC · ₹99 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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