Which is the best SBI credit card for low income in 2021?

SBI simply click credit card for low income

Nowadays a lot of people are using credit cards. And nowadays people also see credit card as a status symbol. Let me tell you about myself first. I get my first credit card about 3 years ago. And I only know how I get it. At that time I used to work in a small IT company. And my monthly salary was only 12 thousand rupees. And in such salary no bank was giving me credit card. I talked to a lot of bank’s customer support. Also applied online in many banks, but no bank gave me a credit card. Then one day I got a call from IndusInd Bank and they said that we are issuing your credit card. That day I was so happy that I was getting my first credit card. This happened because I had a salary account with IndusInd Bank.

I am telling you this because if your salary is less than 20 thousand then no bank will give you credit card. But if your salary is credited in a bank. So you can talk to that bank. You can also check the “bank app” of your salary account. You can also get a credit card offer there. If you have get the first credit card, then you can get many more cards on the same card.

So let’s know which SBI credit cards with low income can apply for. And which are the best credit cards for them.

  1. SBI Simply click credit card
  2. SBI simply save credit card

Many of you will know about these two credit cards. If your salary is less then you can apply for these cards. If you already have a credit card from another bank, then you can also apply for both these credit cards. And these two cards will be issued to you easily.

Benefits of SBI Simply click credit card :

SBI simply click credit card

If you like to shop online, then this card is made for you only. You get very good offers on websites like Amazon and Flipkart. I am sharing some benefits below.

  • Get Amazon.in gift card worth Rs.500* on joining
  • Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds 
  • Earn 5X rewards on all other online spends
  • e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
  • e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)

For more information, you can visit the website of the SBI card.

Benefits of SBI Simply save credit card :

SBI simply save credit card

If you go shopping at the store or say that if you like shopping offline then this card is right for you.

  • If you go shopping at the store or say that if you like shopping offline then this card is right for you.
  • Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.
  • On all your other spends, earn 1 Reward Point per Rs 100 spent
  • (4 Reward Points = Rs. 1)
  • Get freedom from paying the 1% fuel surcharge at any petrol pump
  • Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer

If you want to know about the complete benefits of this card, then you can visit the website of SBI Card.

Let’s talk now, apart from these two cards, there are some such cards which are good for low income. So I am going to tell about some such cards that I also use and yes you can apply for these cards also.

  1. HDFC Millenia credit card
  2. IndusInd bank platinum credit card
  3. Amazon Pay ICICI bank credit card

I have been using all three credit cards for the last 1 year. And you will be surprised to know that I get all these cards through one card. So let me tell you where I use these cards. As you know, you can get a discount of up to 10% during the sale on online websites such as Flipkart and Amazon.

And on these websites most of the offers are visible on SBI, ICICI and HDFC only. So if you have only these three cards then you can take advantage of them anytime.

IndusInd bank platinum credit card is a lifetime free credit card. So even if you do not do any transaction with this card throughout the year, you will not have to pay annual charges.

IndusInd Bank credit cards

Amazon Pay ICICI bank credit card is also a lifetime free card. But if you want to apply for this card, then you will get its offer on Amazon. For this also you will not have to pay annual charges.

Amazon Pay ICICI bank credit card

With HDFC Millenia credit card you will have to pay annual charges. But if you talk to the customer care then they can also forgive your charges. And your card will be lifetime free. You will definitely try once.

HDFC Millenia credit card

So these are some credit cards for which you can apply. Even if your income is less, these cards can still be yours. Just keep in mind that your credit score (CIVIL score) should not be less than 730. Even if your income is high, your credit score should be good. To increase the credit score, you should pay your loan in time. If you miss more EMI’s then it affects your credit score.

My best wishes are with you and apply for any of these credit cards and you will definitely get a credit card. If you get a credit card, then you will have to pay it. I am going to tell you about an app that millions of Indians are using. In this app, you also get cashback on paying a credit card bill.

CRED App

CRED will give you cashback every time you bill your credit card. I have also been using this card for the last 1 year. And you can add all your cards on this app.

CRED app payment proof
CRED app payment proof

I have received about 2268 rupees cashback in this one year. And all this amount gets adjusted in your credit card bill. You can also pay your house rent through this app. So in this way you can take advantage of your credit card.

I have tried to give complete information in this article. But even if something has been missed by mistake, you can ask us through comments.

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