The entire process of getting a credit card is very exciting. This certainly means the liberty and comfort of using it and the possibility of securing a better financial future. But if your salary is only ₹15,000, you might start to think this is out of the question for you. Yes is the answer. Modern banks and digital payment platforms have made this task so much easier.
What you will find in this guide is nothing but the process of getting a credit card for a person whose income is only ₹15,000. We will clarify the best way to qualify, the simplest steps to take, and the smartest alternatives that you can use.
Understanding Low-Income Credit Cards
Banks are aware that not everyone receives a high salary. Students, newcomers on the job market, and freelancers usually earn around ₹10,000 to ₹15,000. For this reason, banking institutions today provide entry-level cards at very affordable prices made just for new users.
This is the reason the credit cards for the low-income earners category are gaining popularity very quickly. Generally, these cards are accompanied by lower limitations but also by higher chances of approval.
Credit Cards Suitable for ₹15,000 Salary
| Bank | Card Name | Income Required |
| SBI | SimplySAVE | ₹12,000 – ₹15,000 |
| HDFC Bank | MoneyBack | ₹12,000 – ₹15,000 |
| ICICI Bank | Platinum Chip | ₹10,000+ |
| Axis Bank | Insta Easy (secured) | No income required |
These are some of the best credit cards for low-income individuals, especially for beginners.
How to Get a Credit Card with ₹15,000 salary
Let’s make the procedure very simple so that anyone can follow the steps.
1. Select Entry-Level Cards
The majority of the banks provide cards that are intended for low-income customers. These cards are perfect for people looking for a credit card with ₹15,000 salary because they have flexible requirements.
The most popular ones are,
- SBI SimplySAVE
- HDFC MoneyBack
- ICICI Platinum Chip
- Kotak 811 Card
These cards also belong to the category of easy approval credit cards in India.
2. Make an Application through Your Salary Account Bank
This is the simplest way. If you receive your ₹15,000 salary through SBI, ICICI, Kotak, HDFC, or Axis Bank, apply with that bank.
Why?
- Your bank already knows your income
- They trust your transaction history
- Higher approval chances
This strengthens your credit card eligibility for ₹15,000 salary.
3. Consider a Secured Credit Card Option
Still, if getting approval is a bit difficult, just relax. A secured credit card allows you to put an FD (fixed deposit) as collateral. Even a small FD of ₹5,000–₹10,000 is good enough.
Advantages,
- Almost guaranteed approval
- Possible higher credit limit
- No salary slip required
This is among the best credit cards for low-income individuals, as no income is checked.
4. Manage a Healthy Bank Statement
Banks pay attention to even the smallest stability, which is considered a plus. Here is what they are watching for,
- No negative balance
- Regular salary deposits
- No bounced payments
- Limited cash withdrawals
This improves your credit card eligibility for ₹15,000 salary instantly.
5. Be Prepared with Your Documents
Generally, you need,
- Aadhaar
- PAN
- Bank statements for the last 3–6 months
- Company ID or proof of employment
Entry-level cards require minimal documentation, which is why they are considered among the easy approval credit cards in India.
Expected Credit Limits
| Income per Month | Expected Credit Limit |
| ₹15,000 | ₹10,000 – ₹25,000 |
| ₹20,000 | ₹15,000 – ₹35,000 |
| ₹25,000 | ₹20,000 – ₹50,000 |
If you manage your card well, your limit increases in 6 months.
How Olyv Helps
Olyv is a digital lending platform that facilitates loans through RBI-regulated partners. While it mainly offers small personal loans (not credit cards), it’s extremely helpful for people with low incomes. Building repayment history through small loans can improve your credit score, which later helps you qualify for a credit card with ₹15,000 salary.
Tips to Improve Approval Chances
- Maintain a balance of ₹2,000–₹5,000 every month at least
- Prevent overdrafts
- Never apply to several banks simultaneously
- Get a spotless credit score
- Make all EMI and utility payments promptly
These steps help you get easy approval credit cards in India even with a small income.
Conclusion
Getting a credit card with ₹15,000 salary is not only possible. It’s simple if you choose wisely. Go for beginner-friendly cards, keep a healthy bank statement, or pick a secured credit card. With smart habits, you can qualify easily, increase your limit, and build a strong financial future.
Remember, responsible use today opens bigger doors tomorrow.
