Best Credit Card for Salaried Professionals in India
Choosing the right credit card can make a big difference for salaried professionals in 2025. It’s more than just plastic—it’s a tool that can help you unlock valuable rewards, save on fees, and access premium benefits. With a suitable card, you could easily earn cashback on your everyday spending, enjoy airport lounge access when traveling, and waive off fuel surcharges—all while ensuring minimal impact on your monthly budget. The key lies in matching the credit card to your specific salary bracket and spending habits. Whether it’s online shopping, grocery bills, fuel, or travel rewards, the right card can turn routine purchases into real value. In this guide, we’ll reveal the best credit cards tailored for various income levels and spending patterns, help you compare their key benefits at a glance, and give a final word to help you make a confident choice—quickly and effectively.
Who Is This For?
Salaried individuals with a steady monthly income
Professionals aged 21–60 with a salary account
Those with decent credit history (CIBIL 700+)
People looking for cashback, travel perks, or fee savings based on their habits
Best Credit Cards for Salaried Professionals – 2025
HDFC Regalia Gold Credit Card
A premium card offering travel and lounge perks, milestone rewards, and robust spouse and insurance coverage. Excellent for those earning ₹100,000+ per month, with 8 domestic and some international lounge visits, 4 reward points per ₹150 spent, and an annual-fee waiver on high spends.
ICICI Amazon Pay Credit Card
Lifetime-free card, perfect for frequent Amazon users. Offers up to 5% cashback for Prime users (3% for others), plus 1% on offline spending. Also includes a fuel surcharge waiver. Great for those with modest salaries (₹25–30k/month).
Axis Bank ACE Credit Card
Designed for everyday convenience: 5% cashback on bill payments via Google Pay, 4% on food apps, and 1.5% on all other spends. Often includes lounge access. Ideal for bill-heavy spending patterns.
SBI Card PRIME
Focused on lifestyle perks like dining, travel, and entertainment credits—suited for mid-to-high-income professionals seeking premium value.
HDFC Millennia Credit Card
Excellent for those who prefer online shopping. Offers up to 5% cashback on e-commerce platforms like Amazon and Flipkart and often includes complimentary lounge access.
IDFC FIRST Millennia Credit Card
Lifetime-free with balanced rewards on essentials (e-commerce, dining, and utility). Good for budget-conscious users wanting steady benefits.
American Express Platinum Travel (incl. Regalia Gold context)
For high earners and frequent travelers. Offers massive lounge access (domestic + international), welcome bonus points, milestone travel vouchers, and concierge services. ₹5k+ annual fee.
Key Benefits at a Glance
- Cashback / Reward Points on Amazon, groceries, bills, and dining
- Travel Perks like airport lounge access and milestone vouchers
- No Annual Fees or fee waivers keep costs low
- Fuel Surcharge Waiver keeps everyday driving cheaper
- Online Shopping & Dining Offers boost savings on frequent spending
Comparison Table
Credit Card | Annual Fee | Best For | Lounge Access | Cashback / Rewards | Income Required |
HDFC Regalia Gold | ₹2,500 (waivable) | Travel & milestones | Yes | 4 RP/₹150 + milestone bonuses | ₹1L+/month |
ICICI Amazon Pay | Nil | Amazon-heavy users | No (limited offer) | 5% Prime; 3% non-Prime; 1% offline | ₹25–30k/month |
Axis Ace | ₹499? | Bill & food cashback | Maybe (limited) | 5% bills; 4% food; 1.5% others | ₹25–50k/month |
SBI Card PRIME | ₹2,999? | Lifestyle & travel enthusiasts | Yes | ~5 RP/₹100 on various spends | Medium–high income |
HDFC Millennia | ₹1,000? | E-commerce lovers | Yes (limited) | 5% on e-commerce | Moderate income |
IDFC FIRST Millennia | Nil | Balanced, fee-conscious users | No | ~2% on essentials | Moderate income |
Amex Platinum Travel | ₹5,000+ | Frequent travelers & luxury fans | Yes (extensive) | Massive points, milestone & concierge | High earners |
(Note: Fees marked with “?” are typical—always confirm with issuer)
Choosing the right credit card should feel less like guesswork and more like a smart selection based on your lifestyle. Consider how you spend—online shopping, bills, and travel needs—and match that with a card that rewards you the best. Whether you’re starting with a no-fee Amazon cashback card or moving up to a premium travel card like Regalia Gold or Amex Platinum, the logic stays the same: keep fees low, get your rewards high, and make your monthly salary work harder for you. Start small, use wisely, upgrade when it adds value—and enjoy the smart spending ride.