Credit cards are most useful when you have a shortage of money and want to do large purchasing. Initially, the corresponding bank pays on your behalf and then you have to re-pay the loan amount before the due date. A credit card can be availed by a salaried as well as self-employed professional after considering certain parameters. However, these parameters are different from lender to lender. Top 5 best Credit Cards in India for salaried individuals: SBI SimplyCLICK Card HDFC Platinum Plus Card India Card by Bank of India Citibank Cashback Card Axis Bank Insta Easy Card SBI Simply CLICK- A card for shopping freaks! SBI SimplyClick card is one of the best credit cards in India with no annual fee.The bank gives your festive offers on this card as well like BMS offer, Cleartrip offer, Zoom car offer valid till March 2017. Amazon.in gift card worth Rs. 5000 at the time of joining. 5X Reward points on online shopping. 10X reward points on online shopping with exclusive partners E-vouchers worth Rs. 2000 on annual shopping of Rs. 1 lakh and Rs. 2 lakh each. HDFC Platinum Plus Credit Card:
HDFC Platinum Plus Card is for large purchasing with 0% fuel surcharge facility. The key features of HDFC Platinum are as follows: 2 Reward points on every Rs. 150 for spends up to Rs. 50,000 per statement cycle. For incremental spends more than Rs. 50,000 in a statement cycle, you earn 3 reward points per Rs. 150. There is 0% fuel surcharge waiver capped at Rs. 250 every billing cycle + service tax applicable. Up to 3-lifetime free add-on cards Revolving credit facility at a nominal interest rate. India Card by Bank of India: Bank of India offers India Card to the salaried people with many attractive offers. The minimum annual income required to apply for an India Card is Rs. 0.75 lakhs and above which are the lowest income criteria set by any bank when it comes to the eligibility. Card valid in India and Nepal only No charges applicable The billing cycle is from 16th of the current month to the 15th of the next month. Gross annual income of Rs. 0.75 lakhs or above. The payment is to be made on or before the 5th of the succeeding month that makes it more suitable for a salaried person. There is no FEE up to a minimum usage of Rs. 20,000 before the annual renewal. Interest-free credit for up to 51 days and revolving credit at a preferential rate. Citibank Cashback Credit Card: A card for online bill payments! Here are some of the main features of Citibank Cashback card: Annual Fee is Rs. 500 5% cashback on movie tickets. 5% cash back on telephone bill payments. 5% cash back on Utility Bill payments. 0.50% cash back on all other spends. Axis Bank Insta Easy Credit Card: Here are some of the features of the Axis Bank Insta Easy Card: Flexibility to change the limit as per the requirement. Get up to 100% cash withdrawals. Get up to 50 days without any charges.