On a take-home salary of ₹40,000 a month you're likely eligible for 6 of the 21 cards we track. 9 more don't publish an income requirement. With a good credit score, expect a first limit of about ₹80,000–₹1,60,000.
Ranking assumes about 40% of your salary (₹16,300 a month) goes on the card, spread across shopping, food, groceries, bills and fuel. Use your own spends →
SBI Card Cashback, Swiggy ORNGE HDFC Bank, Airtel Axis Bank, SBI Card SimplyCLICK, Tata Neu Infinity HDFC Bank, IDFC FIRST Wealth, BPCL SBI Card OCTANE, BPCL SBI Card, IndianOil HDFC Bank. The bank decides case by case, and your salary account and credit score matter most.
Based on estimated yearly value for someone spending about ₹16,300 a month on a card, the top pick is Swiggy ORNGE HDFC Bank (₹4,956 a year after fees), followed by Airtel Axis Bank.
With a 750+ credit score and no large EMIs, a first limit of roughly ₹80,000–₹1,60,000 is typical. With a 700–749 score, expect around ₹60,000–₹1,20,000.
Amazon Pay ICICI Bank, IDFC FIRST Millennia, Scapia Federal Bank, IDFC FIRST Wealth are lifetime free options you may qualify for.
Income figures come from bank eligibility pages where available, otherwise from reported figures. Banks make the final decision. Limits shown are estimates.