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A Credit Card is much more than just a way to help you move cashless. It can help you earn some exciting rewards, and save money through cash back options. It can even help you build a good credit history. Moreover, it enables you to stay relevant in the present-day fad of a cashless economy.
A person with low income can also own a credit card. Credit cards have a variety of categories depending on income and priorities. There are a number of credit cards available in India which is designed for the persons whose monthly income is less than Rs.25,000.
This Credit Card is perfect for you if you contribute considerably towards the purchase of household items including fuel. Some of the noteworthy features of this card include:
Available at a reasonable annual fee of 500, this card offers some incredible payment options through features like FlexiPay. The outstanding bills on this card usually attract an interest rate of 40.2% per annum.
Benefit from features designed to offer you a superior and rewarding payment experience.
The HDFC credit card is best known for the high reward points on the usage of the card.
While the annual fee for this Credit Card varies from person to person, you can get it waived by ensuring an expense of 10,000 with the first 90 days of card activation. In case you spend 50,000 or more in the first year, you can expect a renewal fee waiver.
The payments through this card are liable to be charged with the recently deployed Goods & Service Tax (GST) at 18%.
ICICI Bank Credit Card entitles you to earn PAYBACK Points on your transactions. PAYBACK, India’s largest Reward Programme, has powered ICICI Bank Rewards to bring you a suite of exciting rewards from your everyday spending.
This card is designed to help you earn commendable cash back on prominent bills. Not only does it help you enjoy some fantastic savings, but also offers cash rebates and other benefits. Some of the most eminent features of this card include:
CITI Cash Back Credit Card is available at a membership fee of 500, and enjoys a validity of 12 months. The holder is required to pay the same amount for the renewal of the card.
The spending on the card is liable to a variable interest rate, within the range of 37.20% and 42.00% per annum. However, this may vary depending on the various aspects such as credit limit utilization and repayment patterns amongst others.
This credit card is the perfect pick for you if you earn a minimum of 25,000 a month or more. Available at an entry fee of 399, you will need to pay 750 to renew this card. You also get:
As is the case with most other cards, the outstanding bill on this card usually attracts an interest rate of 41.88% per annum.
SBI provides another credit cards for people who are earning less than Rs.25,000 per month. This card comes with multiple benefits for the cardholder.
One of the best credit cards for anyone earning up to 30,000 a month, this international credit card offers numerous advantages such as:
Minimum salary required is Rs 25,000
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