VVyaya
Curated Picks|Updated October 2026

Best Cards for Low to Moderate Income (October 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.

Quick answer

Our top pick for cards for low to moderate income is the Scapia Federal Credit Card from Federal (no annual fee). Best lifetime-free option: Standard Chartered Priority Visa Infinite (SC). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).

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 · 5% rewards

#2

Standard Chartered Priority Visa Infinite

4.5

SC · No annual fee · 2% rewards

#3

Amazon Pay ICICI Bank Credit Card

5

ICICI · No annual fee · 1% rewards

#4

IDBI Eclat

4

IDBI · No annual fee · 1% rewards

#5

IDBI LIC CSL Eclat Select

4

IDBI · No annual fee · 1% rewards

#6

IndusInd Pinnacle

4.5

IndusInd · No annual fee · 0.75% rewards

#7

IDBI Royale Signature

IDBI · No annual fee · 0.75% rewards

#8

ICICI MakeMyTrip Signature

4.5

ICICI · No annual fee · 0.62% rewards

#9

Axis Insta Easy

Axis · No annual fee · 0.6% rewards

#10

AU ixigo

5

AU · No annual fee · 0.5% rewards

#11

AU NoMo

4.5

AU · No annual fee · 0.5% rewards

#12

IndusInd Legend

4.5

IndusInd · No annual fee · 0.5% rewards

#13

Federal MagniFi Fi

4

Federal · No annual fee · 0.5% rewards

#14

IDFC First Classic

4

IDFC First · No annual fee · 0.5% rewards

#15

IndusInd Nexxt

4

IndusInd · 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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