Best Credit Cards India 2024

Best HDFC Credit Card for Low Income

Best HDFC Credit Card for Low Income

Last Updated : Dec. 12, 2023, 2 p.m.

HDFC Bank has millions of customers in India and many of them are using HDFC Credit Cards. But there are some individuals who are unable to apply for the HDFC Credit Card because of their low incomes. Therefore, we have mentioned the best HDFC Credit Card for low income that only needs a minimum salary of ₹12000 per month. On the other hand, these credit cards have a lot of benefits and offer that can help you to cut off your monthly expenses. If you have a good CIBIL Score then you can apply for any credit card but your salary should be ₹12000 or above per month. You can explore the features, fees, and income criteria of all the HDFC Credit Cards.

HDFC Credit Cards for ₹12000 to ₹40000 Salary

In the table given below, you can go through the features of every HDFC Credit Card that can be easily afforded by people with low incomes.

HDFC Credit CardsIncome NeededFeatures and BenefitsFees
HDFC Bharat Cashback Credit Card> ₹12,000

  • Enjoy 5% cashback on booking railway tickets via IRCTC App or website.

  • Get 5% cashback on fuel spends.

  • Enjoy an additional 5% cashback on all EasyEMI, SmartBuy, and PayZapp transactions.

  • Enjoy 1% fuel surcharge on vehicle refill at petrol pumps on a minimum transaction of ₹400

  • Get an interest-free credit period of up to 50 days.

₹500 + GST
HDFC Freedom Credit Card> ₹12,000

  • Earn 10X CashPoints on select merchants: Big Basket, BookMyShow, OYO, Swiggy & Uber. (Max 2,500 CashPoints per month)

  • Get 5X CashPoints on EMI spends at merchant locations. (Max 2,500 CashPoints per month)

  • Earn 1 CashPoint for every Rs.150 spent on other purchases (excluding fuel, wallet/prepaid card loads, or voucher purchases).

  • Enjoy up to 20% discount on partner restaurants through Swiggy Dineout.

₹500 + GST
HDFC Millennia Credit Card> ₹35,000

  • 5% Cashback on: Amazon, BookMyShow,, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato.

  • 1% cashback on all other spends (except Fuel), including EMI & Wallet transactions.

  • Get ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter.

  • Enjoy up to 20% discount on partner restaurants via Swiggy Dineout.

₹1000 + GST
HDFC Bank Diners Club Miles Credit Card> ₹30,000

  • Get 4 Reward Points on the expenditure of every ₹150.

  • Get 6 Complimentary Access to the airport lounges worldwide at 1000+ airport lounges.

  • Have an Air accident cover worth ₹1 crore.

  • Get a Medical emergency insurance cover of up ₹25 lacs.

  • Have the Travel insurance cover of ₹50000 for baggage delay or loss.

  • Get a Credit liability cover of ₹9 lacs.

  • Enjoy a 15% Discount at 1400+ restaurants partnered with the HDFC Bank.

₹1000 + GST
HDFC Diners Club Rewardz Credit Card> ₹30,000

  • Get 1000 Reward Points as the welcome benefit on this credit card.

  • Enjoy a Renewal benefit of 1000 points at the time of renewal.
  • Earn 3 Reward Points on the expenditure of every ₹150.

  • Enjoy the lowest foreign markup fees of 3%.

₹1000 + GST

Documents Required for HDFC Credit Card

You will have to submit address proof, identity proof, and income proof if you want to apply for the HDFC Credit Card.

Identity Proof

  • PAN Card
  • Passport
  • Aadhaar Card

Income Proof

  • Salary slips
  • Certificate for the last 3 months
  • Latest bank statement indicating salary credited for a minimum of 3 months
  • Income tax return statement.

Address Proof

  • Passport
  • Ration card
  • Electricity bill
  • Aadhaar Card


You have seen the best HDFC Credit Card for low income and now you can apply for it even if you don’t have a high income. These Best credit cards have a lot of offers and benefits that can help you to save some extra bucks. You can have a good dining and entertainment experience with these cards and you can apply for them even if you have a low salary.

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