Credit Cards

You can get a credit card with a salary of Rs. 12,000, but you would have limited options. Each lender would have their own criteria of qualifying for a credit card. Lenders would want to know if you will be able to pay your credit card bills on time every month. To know about your repaying capabilities, your credit history will be checked. Having a good credit background would get you better chances of qualifying for a credit card even though your choices may be limited. But having a bad credit background can bring down your chances of getting a credit card.

You can get a credit card with a salary of Rs. 10,000, but you won’t have a wide variety of options when it comes to picking the credit card you want. You might not even be able to get a credit card from a specific lender that you prefer. Only a very few lenders will have credit cards for people who have a salary of Rs. 10,000. Apart from your salary, your credit history will also be checked, if you want to qualify for these credit cards. If you have a good credit score, you have a better chance of getting approved for a reasonable credit limit. 

You can now get a credit card in India even if it is less than Rs. 20,000 per month. Most banks offer an exclusive credit card for people with low income. The card holder can upgrade the credit card or increase the credit limit on the card once the income goes higher. Following are some of the popular credit cards that will best suit the needs of low income individuals. 

Bank of Baroda offers four types of credit cards to their customers namely Easy, Select, Premier and Prime. Among the four credit cards, Easy and Prime are best suited for low income earners. Following are features and benefits of the cards.

Krazybee Student Paycard works just like a credit card. You can easily transfer money from this card to Paytm under the credit card option. Moreover, the card can be used at e-commerce portal such as Amazon, Snapdeal, Myntra and Jabong.

You can now pay your ICICI Credit Card Bill through Google Pay using the ‘Scan and Pay’ feature.  ICICI Bank website allows you to generate a QR code for your credit card payment, which can be used on any UPI App to make payments.

Google Pay is a free online platform that allows you to send, receive, and send money to friends and family without incurring any costs. Within your Google Pay account, you can add, remove, or change your credit and debit cards.

There is no dedicated feature in the Google Pay app to pay your SBI Credit Card bill. However, if your credit card issuer permits you to pay with UPI Code, you can still use Google Pay to pay your credit card account using your bank portal.

Usually, an applicant with a bad credit score doesn’t get approved for a good credit card. Even if you get approved for a credit card, you wouldn’t get one of the best cards. Plus, the interest rates that you would have to pay will be very high.

Google Pay is an important digital payment tool these days! During the Corona outbreak, digital payments have spread throughout the country. Google Pay is one such payment facilitator that allows you to use your BHIM UPI account to transmit payments to persons, service providers, users, merchants, and third parties.

ICICI Bank is a pioneer in offering state-of-the-art technology-based solutions to customers. They offer various online and digital features to manage your account.  You can check your ICICI Bank credit card balance easily by sending an SMS to 5676766. Follow this format to avail the details

You can check your IndusInd Bank credit card balance using IndusAlerts. You can check the balance on your IndusInd Bank credit card by sending a simple SMS from the mobile number registered with IndusInd Bank. 

SBI Card ELITE comes with numerous benefits to the cardholders. It has plenty of features catering to travel needs. You can use the welcome voucher worth Rs. 5000 at Yatra.com where you can book tickets at different airliners.

RBL Bank is one of the most popular banks in India that currently provides over 35 credit cards under different categories. It is hard to just pick one credit card as the best for everyone. Based on your eligibility, income, credit score and spending habits, you can choose the RBL credit card that is right for you.

Amazon Pay ICICI Bank Credit Card is a credit card issued by ICICI Bank in association with Amazon Pay Private Limited and VISA. People who often shop on Amazon.in will be able to save more with the cashback offers that are provided. The earnings mechanism for this credit card is designed to provide earnings for every purchase, both on and off Amazon.in. The earnings are provided in the form of Amazon Pay balance under the Gift and Credit section.

The best credit card to use for shopping on Flipkart is Axis Bank Buzz Credit Card. Even though you’ll be able to use other credit cards while shopping, using Axis Bank Buzz Credit Card will get you added benefits that include Flipkart vouchers of up to Rs. 8000.

The best credit card to use for shopping on Amazon is Amazon Pay ICICI Bank Credit Card. If you shop frequently with Amazon, this is the card for you as you get loads of cash back benefits. This card is issued by ICICI bank in association with Amazon Pay (India) Private Limited (Amazon) and Visa.

ICICI Bank Coral VISA Platinum credit card is a lifestyle credit card that lets you earn reward points as you shop. You can redeem these reward points for a range of categories like merchandise, travel and lot more. People who dine out often, movie buffs, people who tend to travel a lot will definitely get a lot of benefits out of this credit card:

For people who travel a lot, have a great chance of using airline miles. You accumulate a set of air miles based on how far you fly or how much you spend on your credit card.

KrazyBee is a platform that helps college students to purchase anything online and they can pay back in easy monthly instalments.

Banks give you the option of letting you pay the minimum amount due in case you are not able to pay the full amount due. So the rest of the amount that is due is carried on to the next months bank statement, which will have to be paid back along with interest.