Top Credit Cards in India for Salaried Employees (2025) – सबसे बढ़िया क्रेडिट कार्ड्स
आजकल हर salaried employee को एक ऐसा credit card चाहिए जो ना सिर्फ खर्चों में मदद करे, बल्कि cashback, reward points और extra benefits भी दे। 2025 में मार्केट में इतने सारे credit cards हैं कि सही चुनना मुश्किल हो जाता है।
इसलिए हमने यहां आपके लिए कुछ ऐसे top credit cards की लिस्ट तैयार की है जो खासतौर पर salaried लोगों के लिए फायदेमंद हैं – वो भी आसान भाषा में।
Top Credit Cards in India for Salaried Employees (2025) – सबसे बढ़िया क्रेडिट कार्ड्स :-
1. HDFC Regalia Credit Card
Best for: Frequent online shoppers & travellers
| Details | Info |
|---|---|
| Joining Fees | ₹2500 (1st year) |
| Annual Fees | ₹2500 (waived on ₹3L spend) |
| Income Eligibility | ₹40,000/month |
| Benefits | Lounge access, dining offers, travel insurance |
Important Info. :
- 4 reward points on every ₹150 spent
- Free airport lounge access (domestic & international)
- Smart EMI conversion on big purchases
2. Axis Bank ACE Credit Card
Best for: Google Pay users & utility bill payments
| Details | Info |
|---|---|
| Joining Fees | ₹499 |
| Annual Fees | ₹499 (waived on ₹2L spend) |
| Income Eligibility | ₹25,000/month |
| Benefits | High cashback on GPay, bills & food delivery |
Important Info. :
- 5% cashback on GPay bill payments
- 4% cashback on Swiggy, Zomato, Ola
- No-cost EMI available
3. SBI SimplyCLICK Credit Card
Best for: Online shoppers & first-time card users
| Details | Info |
|---|---|
| Joining Fees | ₹499 |
| Annual Fees | ₹499 |
| Income Eligibility | ₹20,000/month |
| Benefits | Amazon voucher, online spend bonus points |
Important Info. :
- 10x reward points on Amazon, BookMyShow, Cleartrip
- ₹500 Amazon voucher on activation
- Spend ₹1L and fee waived
4. ICICI Amazon Pay Credit Card
Best for: Amazon Prime Members
| Details | Info |
|---|---|
| Joining Fees | ₹0 |
| Annual Fees | ₹0 |
| Income Eligibility | ₹20,000/month (approx) |
| Benefits | Cashback in Amazon Pay Balance |
Important Info. :
- 5% cashback for Prime users, 3% for non-Prime
- No annual/renewal fee
- Cashback directly credited to Amazon Pay Wallet
5. IDFC FIRST Millennia Credit Card
Best for: No annual fee + Unlimited rewards lovers
| Details | Info |
|---|---|
| Joining Fees | ₹0 |
| Annual Fees | ₹0 |
| Income Eligibility | ₹25,000/month |
| Benefits | Lifetime Free, Travel insurance, Fuel surcharge waived |
- 3X to 10X reward points
- No expiry of points
- Complimentary railway lounge access
Credit Card लेते समय इन बातों का ध्यान रखें :
- Annual fee check करें: ज़रूरी नहीं हर card मुफ्त मिले
- Spending pattern देखें: Shopping, travel या bill payment – आपका usage क्या है
- Hidden charges पढ़ें: Late fee, cash withdrawal fee वगैरह
- Credit score बनाएं: Card responsibly use करें, due टाइम पर चुकाएं
क्यों चाहिए एक अच्छा Credit Card?
अगर आप हर महीने सैलरी पाते हैं तो credit card आपके लिए बहुत काम का हो सकता है:
- Emergency खर्चों में मदद
- Cashback & reward points
- Credit score improve करने में हेल्प
- Online shopping पर discounts
अब जानते हैं कि 2025 में कौन से credit cards सबसे अच्छे हैं?
Quick Comparison Table :
| Credit Card | Best For | Annual Fee | Cashback/Rewards |
|---|---|---|---|
| HDFC Regalia | Travel & premium shopping | ₹2500 | 4 RP per ₹150 |
| Axis ACE | Bill payments (GPay) | ₹499 | 5% cashback |
| SBI SimplyCLICK | Beginners | ₹499 | 10X RP on partners |
| Amazon ICICI | Amazon users | ₹0 | 5% cashback |
| IDFC Millennia | Lifetime free | ₹0 | 3X–10X RP |
निष्कर्ष (Conclusion)
आज के समय में एक अच्छा credit card होना बहुत जरूरी है, खासकर जब आप salaried person हैं। ये ना सिर्फ आपको financial flexibility देता है, बल्कि cashback और rewards के जरिए बचत भी कराता है।
ऊपर बताए गए सभी credit cards को आप अपनी जरूरत के हिसाब से चुन सकते हैं। और हां, credit card को समझदारी से use करें ताकि आपका credit score भी अच्छा बना रहे।