10000 Salary? 6 Credit Cards You Can Get & How to Increase Chances in 2023

Getting a credit card with a low salary can be challenging, but not impossible. Many financial institutions offer credit card options specifically designed for individuals with lower incomes.

Credit Cards for 10000 Salary Earners

(1) PNB Classic Card for INR 8000 Income

Is a popular choice for customers who are unable to apply for cards in private sector banks. PNB, also known as Punjab National Bank, is one of the oldest and most reputable government banks in India. With PNB cards, the bank offers a wide range of multi-use plastic money options. To be eligible for the PNB Classic Card, a minimum monthly salary of 8000 is required.

(2) Bank of India India Card for Rs. 6500 Monthly Income

Is an ideal option for individuals who have limited choices. It offers a wide range of credit features and is considered one of the most affordable and low salary credit cards in India. If your minimum monthly salary is INR 6500, you are eligible to apply for the BOI India Credit Card.

(3) Canara Bank Global Credit Card for 10000 Per Month Salary

Offers all the necessary privileges and can be used worldwide. With the option of Visa or Master Payment Gateways, you can enjoy the benefits of this card with over 1 million partners. To be eligible for this card, a minimum monthly salary of 10000 is required.

(4) Canara Bank Visa Card for Monthly Salary of Rs. 8500

Is another excellent choice for individuals with a monthly income of less than 10000. To apply for the Canara Visa Card, you can make a special request through the Bank Customer Care. These cards are issued with both domestic and global usage validity, allowing you to use them anywhere. A minimum monthly salary of 8500 is required to be eligible for this card.

(5) Canara Visa Classic Credit Card for Salary of Rs. 8000

Is an introductory-level credit card that offers a range of common benefits, including shopping, travel, EMI options, rewards, and playback features. The minimum annual income of Rs. 96,000 (i.e. Rs. 8000 monthly) is required to apply for this card is INR 8000.

(6) HDFC Bank EasyEMI Credit Card for Gross Monthly Income > 10000

If you are minimum 21 years of age and maximum 60 years; then you can apply for HDFC Bank EasyEMI credit card requiring gross monthly income of Rs. 10000. Self employed individuals can also apply for card if the IT return filed is Rs. 6,00,000 per annum.

How can 10000 Salary Earner Increase Chances of Credit Card in India?

Here are some steps you can take to increase your chances of getting a credit card:

(1) Choose the right type of card: Look for credit cards that are tailored to individuals with limited or lower incomes. These cards often have lower credit limits and more lenient eligibility requirements.

(2) Check your credit score: Even though you have a low income of 10000, having a good credit score can still be beneficial. Check your credit score and credit report to ensure accuracy and identify areas for improvement.

(3) Build your credit history: If you don’t have a credit history or your credit score is low, consider starting with a secured credit card. A secured card requires a cash deposit as collateral, and your credit limit is typically equal to or slightly higher than the deposit. Responsible use of a secured card can help you build a positive credit history.

(4) Research and compare offers: Research various credit card options available for low income individuals. Compare their terms, interest rates, fees, and benefits to find a card that suits your financial situation and needs.

(5) Apply for starter or basic cards: Many financial institutions offer starter or basic credit cards designed for individuals with limited credit history or lower incomes. These cards often have lower credit limits and may be easier to qualify for.

(6) Provide proof of income: When applying for a credit card, you’ll need to provide proof of income. This can include pay stubs, tax returns, or other documentation that demonstrates your income level. Some credit card issuers may also consider other sources of income, such as alimony or freelance work.

(7) Consider a co-signer: If you’re having trouble qualifying for a credit card on your own, you could consider applying with a co-signer who has a stronger credit history. Keep in mind that the co-signer will be equally responsible for the debt.

(8) Start small and build credit: If you’re approved for a credit card, start by using it for small purchases that you can comfortably pay off each month. This will help you establish a positive payment history and demonstrate responsible credit usage.

(9) Pay on time and in full: Making timely payments and paying your credit card balance in full each month is crucial. It not only helps you avoid interest charges but also contributes to a positive credit history.

(10) Monitor your credit: Regularly monitor your credit report to track your progress and ensure there are no errors or fraudulent activities affecting your credit.

Remember, getting a credit card is just one step in building a healthy financial foundation. It’s important to use credit responsibly, keep your balances low, and avoid taking on more debt than you can comfortably manage, especially on a low income. As you demonstrate responsible credit behavior over time, you may become eligible for better credit card options with higher limits and more favorable terms.


Hi, I am Nikesh Mehta, owner and writer of this site. I’m an analytics professional and also love writing on finance and related industry. I’ve done online course in Financial Markets and Investment Strategy from Indian School of Business. I can be reached at [email protected].

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