Yes, you can get an HDFC credit card for Rs. 20,000. Some HDFC credit cards for a monthly income of Rs. 20,000 and above are as follows. 

Best HDFC Credit Cards For a Salary of Rs. 20,000

HDFC Bharat CashBack Card 

Joining Fee

Renewal Fee 

Suitable For 

Eligibility 

Rewards redemption option

Rs. 500

Rs.500 from 2nd year  onwards (Waived on total yearly spends of more than Rs. 20,000) 

People using their credit card for daily shopping and paying utility bills 

Age: 21 to 60 years for salaried individuals and 21 to 65 years for self-employed individuals 

 

Income: Minimum Rs. 12,000 per month and minimum ITR per year is Rs. 2 Lakhs 


 

If the cardholder requests, the cashback that is retained as points can be redeemed as cashback on the cardholder’s request 

Features of the HDFC Bharat CashBack Card 

  • Cashback: 5% cashback on rail bookings on the IRCTC website, on spends like fuel transactions, bill payments, and recharges, and on facilities like Easy EMI, Payzapp, Smart Buy, etc. provided by the bank.  
  • Fuel surcharge waiver: 1% on transactions of Rs.400 and above.
  • Accidental death insurance: for up to Rs.50 lakhs. Also includes fire and burglary protection for goods for a period of 6 months.
  • Zero lost card liability post reporting about the loss of card.

HDFC Freedom Card

Joining Fee

Renewal Fee 

Suitable For 

Eligibility 

Rewards Redemption option

500

Rs.500 (from 2nd year onwards). Waived on total yearly spends of above Rs.60,000.

People utilizing credit cards for their daily regular expenses

Age: 21 to 60 years for salaried individuals and 21 to 65 years for self-employed individuals 

 

Income: Minimum Rs. 12,000 for the salaried and Rs. 2 Lakhs ITR

You can redeem the points for cash back or select from an exclusive cluster of products.


Features of the HDFC Freedom Card

  • 25X reward points on birthday spends 
  • 10X reward points on PayZapp and SmartBUY spends. 
  • Accidental death insurance for up to Rs.50 lakhs. Also fire and burglary protection for goods for a period of 6 months.
  • Gift Voucher worth Rs. 1000 on spends of Rs. 90, 000 in a year.
  • Contactless payment for quick, secure, and convenient payments at retail outlets
  • Fuel surcharge waiver of 1% (the upper limit is Rs.250 per billing cycle).