Top 10 Best Credit Card Instant Approval Under 25K

Top 10 Best Credit Card Instant Approval Under 25K. Here’s a list of 10 credit cards that may be accessible for individuals with a salary under ₹25,000, along with their benefits and specialties...

1. SBI SimplySAVE Credit Card

• Benefits:
  • 10x reward points on dining, movies, and grocery spends.
  • 1 Reward Point for every ₹100 spent on other categories.
  • Annual fee waiver on spending ₹90,000 in a year.
• Specialty: Ideal for everyday purchases like groceries and dining.

2. ICICI Bank Platinum Chip Credit Card

• Benefits:
  • 2 reward points for every ₹100 spent.
  • Contactless payment feature.
  • No annual fee if the spend exceeds ₹50,000 per year.
• Specialty: Focus on low maintenance with safety features.

3. Axis Bank Insta Easy Credit Card

• Benefits:
  • Instant approval and no income proof required.
  • Convert large purchases into EMIs easily.
  • 1% fuel surcharge waiver.
• Specialty: Best for first-time credit card users with flexible approval criteria.

4. HDFC MoneyBack Credit Card

• Benefits:
  • 2 reward points for every ₹150 spent.
  • 2X reward points on online spends.
  • Easy EMI conversion options.
• Specialty: Designed for those who prefer online shopping and need flexibility in payments.

5. IndusInd Bank Platinum Credit Card

• Benefits:
  • No annual fees.
  • 1.5 reward points on every ₹150 spent.
  • Complimentary insurance benefits.
• Specialty: Low-fee card with good reward earning potential.

6. Kotak Mahindra Bank Fortune Gold Credit Card

• Benefits:
  • Fuel surcharge waiver across all petrol stations.
  • Reward points on every spend, no restriction.
  • Interest-free credit period of up to 48 days.
• Specialty: Excellent for saving on fuel and day-to-day purchases.

7. RBL Bank Classic Credit Card

• Benefits:
  • 2 reward points per ₹100 spent on all purchases.
  • Contactless payments for fast transactions.
  • Interest-free period up to 50 days.
• Specialty: Low-maintenance card for earning rewards on all categories.

8. Yes Prosperity Rewards Credit Card

• Benefits:
  • 4 reward points per ₹200 spent.
  • Fuel surcharge waiver.
  • Accelerated reward points on groceries and supermarket spends.
• Specialty: Best for earning rewards on groceries and daily expenses.

9. Standard Chartered Platinum Rewards Credit Card

• Benefits:
  • 5 reward points per ₹150 on dining, hotels, and fuel.
  • 1 reward point for every ₹150 spent on other categories.
  • No joining fee.
• Specialty: Best for those who spend frequently on dining and travel.

10. Bank of Baroda Prime Credit Card

• Benefits:
  • Lifetime free credit card.
  • 4 reward points for every ₹100 spent.
  • 1% fuel surcharge waiver.
• Specialty: Suitable for users who want a no-fee card with reward points across all categories.

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Tips for Approval:

• Maintain a good CIBIL score (ideally 700+).
• Apply with your salary proof or banking relationship.
• Cards from public sector banks like SBI and Bank of Baroda generally have lower income criteria.

This list should provide you with several options to choose from, based on your spending preferences and eligibility.