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Curated Picks|Updated August 2026

Best Cards for Low to Moderate Income (August 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

Scapia Federal Credit Card

4.5

Federal · No annual fee · 10% rewards

#2

Standard Chartered Priority Visa Infinite

4.5

SC · No annual fee · 2% rewards

#3

Yes Bank Kiwi RuPay

4

YES · No annual fee · 1.5% rewards

#4

Amazon Pay ICICI Bank Credit Card

5

ICICI · No annual fee · 1% rewards

#5

IDBI Eclat

4

IDBI · No annual fee · 1% rewards

#6

IDBI LIC CSL Eclat Select

4

IDBI · No annual fee · 1% rewards

#7

Yes Bank BYOC (Build Your Own )

4

YES · No annual fee · 1% rewards

#8

IndusInd Pinnacle

4.5

IndusInd · No annual fee · 0.75% rewards

#9

IDBI Royale Signature

IDBI · No annual fee · 0.75% rewards

#10

IndusInd Platinum RuPay

4

IndusInd · No annual fee · 0.7% rewards

#11

ICICI MakeMyTrip Signature

4.5

ICICI · No annual fee · 0.62% rewards

#12

Axis Insta Easy

Axis · No annual fee · 0.6% rewards

#13

AU NoMo

4.5

AU · No annual fee · 0.5% rewards

#14

IndusInd Legend

4.5

IndusInd · No annual fee · 0.5% rewards

#15

AU Xcite

4

AU · No annual fee · 0.5% 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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