Best HDFC Credit Card for Low Income


  • If you have a low income then these HDFC Credit Cards would be best for you.
  • Explore the features of all the HDFC Credit Cards that are for people with low income.
  • Check the minimum income needed to apply for these credit cards.

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₹12000 per month

  • 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₹12000 per month

  • Get 5X reward points on dining, grocery, movies, railways or taxi spends.

  • Enjoy 10X reward points on SmartBuy and PayZapp spends.Enjoy 25X reward points on spends made during birthdays.

  • Get a gift voucher of ₹10000 on spending ₹90000 and more in a year.

  • Spend ₹60000 in a year prior to the date of renewal and waive off the renewal fees.

  • Get free accidental death insurance of up to ₹50 lacs and free fire and burglary protection for goods above ₹5000 for 180 days.

₹500 + GST
HDFC Millennia Credit Card₹25000 per month

  • Enjoy a Discount of up to 40% on Fine Dining on Friday, Saturday, and Sunday.

  • Get 8 Complimentary Lounge Access with a maximum of 2 accesses per quarter.

  • Enjoy a Gift Voucher of ₹1000 on spending ₹100000 and above in each quarter of the first year only.

  • Make transactions through Payzapp and Smartbuy and get a Cashback of 5% on Amazon and Flipkart.

  • Enjoy a Cashback of 1% on the offline transaction and recharging online wallets.

  • Get a fuel surcharge waiver of 1% of up to ₹250 per month.

₹1000 + GST
HDFC Bank Diners Club Miles Credit Card₹30000 per month

  • 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₹30000 per month

  • 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.

  • Have 10X Reward Points at the partnered brands with HDFC Bank.

  • Enjoy the lowest foreign markup fees of 3%.

₹1000 + GST
HDFC Regalia First Credit Card₹40000 per month

  • Get 1000 reward points as the welcome benefit and the renewal benefit on this credit card.

  • Get 8 free visits to the domestic airport lounges in India in a year through this Credit Card.

  • Have 3 complimentary accesses to the international airport lounges under the priority pass program.

  • Get 5000 Reward Points on spending ₹300000 or more in a year.

  • Enjoy additional 2500 Reward Points on annual spending of ₹600000 or more in a year.

  • Earn 4 Reward Points on every spend of ₹150 including insurance, utilities, education, and rentpay.

  • Get 5% Cashback on traveling and shopping spends through SmartBuy.

  • Enjoy a fuel surcharge waiver of 1% on transactions of ₹400 and above.

  • Have an Accidental Air Death cover of up to ₹50 Lacs.

  • Get Credit Liability Cover of up to ₹5 Lacs.

  • Get ₹10 lacs as the overseas hospitalization cover.

₹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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