Home › Best Credit Cards for ₹1,50,000 Salary
Updated May 2026

Best Credit Cards for
₹1,50,000 Salary in India

At ₹1,50,000 monthly salary, you qualify for India's premium credit card tier — unlimited lounge access, air miles up to 6%, free golf rounds, and welcome benefits worth up to ₹13,000. We compared 8 cards across annual fee, reward rate, lounge access and eligibility so you can pick the right one.

Monthly Salary
₹1,50,000
Annual income: ₹18,00,000
CIBIL Score Needed 750+
Cards Compared 8 cards
Max Reward Rate Up to 6%
Lounge Access Unlimited
💳
8
Cards Compared
✈️
6%
Max Reward Rate
🛋️
∞
Lounge Access
📋
750+
CIBIL Recommended
Jump To
At a Glance

Best Credit Cards for ₹1,50,000 Salary — Fee, Lounge & Key Benefit Compared

All 8 cards side by side before you read the full details.

Card Annual Fee Min Salary Lounge Access Key Benefit Fee Waiver
HDFC Regalia Gold ₹2,500 ₹1.5L/mo 3/qtr domestic + 6 intl via Priority Pass 5X on Myntra, Nykaa, M&S, Reliance Digital ₹4L/yr
Axis Bank Magnus ₹12,500 ₹2L/mo Unlimited — primary & add-on 35 EDGE pts/₹200 above ₹1.5L/mo spend ₹25L/yr
SBI Card ELITE ₹4,999 ₹60K/mo 8 domestic + 6 international/yr ₹6,000 free movie tickets/yr via BookMyShow ₹10L/yr
ICICI Sapphiro ₹3,500 ₹75K/mo 4/qtr domestic + 2 international/yr 48 free golf rounds/yr on ₹6L annual spend ₹6L/yr
Axis Bank Atlas ₹5,000 ₹1L/mo Domestic + International 5 EDGE Miles/₹100 on travel bookings No waiver
HDFC Diners Club Black Metal ₹10,000 Invite Only Unlimited worldwide 6 golf rounds/qtr + up to 10X on SmartBuy No waiver
ICICI Emeralde ₹12,000 ₹1.5L/mo Unlimited — primary & add-on Unlimited airport Wi-Fi + golf lessons + concierge No waiver
Tata Neu Infinity HDFC ₹499 ~₹1L/mo Domestic + International 5% NeuCoins on Tata Neu app (BigBasket, Croma) No waiver
Find Your Match

Best Credit Card for ₹1,50,000 Salary — Pick by How You Spend

Your spending pattern decides which card gives you the most value. Pick the one that matches how you actually spend each month.

⭐
Low Fee · All-Round Value
You want solid benefits without paying a high annual fee
Best Pick
HDFC Regalia Gold
₹2,500 fee, waived at ₹4L spend. Lounge access, 5X rewards at lifestyle brands and ₹5,000 flight vouchers at ₹5L spend. Best value at this price point.
🚀
High Monthly Spender
You put ₹1.5 lakh or more on your card every month
Best Pick
Axis Bank Magnus
Base rate is 12 EDGE pts/₹200. Cross ₹1.5L monthly spend and it jumps to 35 EDGE pts/₹200. Unlimited lounge for primary and add-on holders both.
🎬
Movies & Dining
You watch movies regularly and eat out often
Best Pick
SBI Card ELITE
2 free movie tickets per month via BookMyShow — worth ₹6,000 per year. 5X reward points on dining, grocery and departmental stores.
⛳
Golf & Lifestyle
You play golf and want complimentary rounds included
Best Pick
ICICI Sapphiro
48 free golf rounds per year on ₹6L spend — and the same spend waives the annual fee. Welcome vouchers worth ₹13,000 on joining.
✈️
Frequent Flyer · Air Miles
You travel by flight often and want to build up air miles
Best Pick
Axis Bank Atlas
5 EDGE Miles per ₹100 on travel bookings via Axis Travel EDGE. Transfer to 20+ airline and hotel partners. Tier-based bonus miles up to 10,000/yr.
🛋️
Unlimited Lounge Access
You want lounge access with no caps and no spend conditions
Best Pick
ICICI Emeralde
Unlimited lounge access in India and internationally — no caps, no spend threshold. The only card with ₹1,50,000 as the exact minimum salary for qualification.
Curated List

Best Premium Credit Cards for ₹1,50,000 Salary in India 2026

8 premium credit cards ranked by value for a ₹1,50,000 per month salary — annual fee, lounge access, travel rewards, lifestyle benefits and eligibility all covered.

01
⭐
All
Rounder
HDFC Bank
HDFC Regalia Gold Credit Card

Annual fee is ₹2,500 — waived if you spend ₹4 lakh in the year. Earn 4 reward points per ₹150 on all spends, and 5X at Myntra, Nykaa, Marks & Spencer and Reliance Digital. Spend ₹1 lakh in the first 90 days to get free Swiggy One and MMT Black Gold memberships. Cross ₹5 lakh annual spend and you get ₹5,000 in flight vouchers. Best overall value at this price.

🎁4 RP per ₹150; 5X on Myntra, Nykaa, M&S, Reliance Digital 🛋️3 domestic lounge visits/quarter; 6 international via Priority Pass ✈️₹5,000 flight vouchers on ₹5 lakh annual spend 🍔Swiggy One + MMT Black Gold membership on activation
₹2,500Annual Fee
₹1.5L/moMin Salary
₹4L/yrFee Waiver
⭐ Best All-Rounder
02
🚀
High
Spender
Axis Bank
Axis Bank Magnus Credit Card

Best when you spend ₹1.5 lakh or more per month on the card. Base rate is 12 EDGE points per ₹200. Cross ₹1.5 lakh monthly spend and it jumps to 35 EDGE points per ₹200 — highest reward rate in this segment. Both primary and add-on holders get unlimited lounge access. Welcome benefit is a ₹12,500 voucher from Luxe, PostCard Hotels or Yatra. Minimum declared salary required is ₹2 lakh per month.

🎯35 EDGE points per ₹200 above ₹1.5L/month spend 🛋️Unlimited domestic and international lounge access 🎁₹12,500 welcome voucher — Luxe, PostCard Hotels or Yatra 💱2% forex markup; zero cash withdrawal fee
₹12,500Annual Fee
₹2L/moMin Salary
₹25L/yrFee Waiver
🚀 High Reward
03
🎬
Movies
Lifestyle
SBI Card
SBI Card ELITE

Two free movie tickets every month via BookMyShow — ₹250 off per ticket, worth ₹6,000 per year from this one benefit alone. Earn 5X reward points on dining, grocery and departmental store spends. Joining benefit includes a ₹5,000 e-gift voucher and Club ITC Silver Tier membership. Annual fee of ₹4,999 is waived at ₹10 lakh annual spend.

🎬Free movie tickets worth ₹6,000 per year 🍽️5X reward points on dining, grocery, departmental stores 🛋️8 domestic + 6 international lounge visits/year 🎁₹5,000 welcome e-gift voucher + Club ITC Silver Membership
₹4,999Annual Fee
₹60K/moMin Salary
₹10L/yrFee Waiver
🎬 Movies + Dining
04
⛳
Golf
Lifestyle
ICICI Bank
ICICI Bank Sapphiro Credit Card

If you play golf, this is the card. Spend ₹6 lakh in the year and get 48 complimentary golf rounds — and the same ₹6 lakh spend also waives the full annual fee. Welcome vouchers worth ₹13,000 from Tata CLiQ, EazyDiner, Da Milano, EaseMyTrip and Croma are given on joining. Domestic lounge access 4 times per quarter, 2 international visits per year.

⛳48 complimentary golf rounds on ₹6 lakh annual spend 🛋️4 domestic lounge visits/quarter; 2 international/year 🎁Welcome vouchers worth ₹13,000 from Tata CLiQ, EazyDiner & more 🧾Annual fee fully waived on ₹6 lakh spend
₹3,500Annual Fee
₹75K/moMin Salary
₹6L/yrFee Waiver
⛳ Golf Benefits
05
✈️
Air Miles
Travel
Axis Bank
Axis Bank Atlas Credit Card

Built for people who fly regularly. Earn 5 EDGE Miles per ₹100 on travel bookings through the Axis Travel EDGE portal and 2 EDGE Miles per ₹100 on all other spends. Miles transfer to 20+ airline and hotel partners. Spend milestones add up to 10,000 bonus EDGE Miles per year. No fee waiver option — worth it only if travel is a regular spend for you.

✈️5 EDGE Miles per ₹100 on travel bookings 🔄Redeem across 20+ airline and hotel partners 🏆Tier-based milestone bonus up to 10,000 EDGE Miles/year 🛋️Domestic and international lounge access included
₹5,000Annual Fee
₹1L/moMin Salary
5X TravelMiles Rate
✈️ Air Miles
06
🖤
Super
Premium
HDFC Bank
HDFC Diners Club Black Metal Credit Card

Mostly invite-only — existing HDFC customers can ask their relationship manager. Benefits include unlimited lounge access in India and worldwide, 6 free golf rounds every quarter and up to 10X reward points on SmartBuy. Spend ₹1.5 lakh in the first 90 days to unlock Amazon Prime, Club Marriott and Swiggy One memberships.

🛋️Unlimited lounge access — India and worldwide ⛳6 free golf rounds every quarter 🎁Amazon Prime + Club Marriott + Swiggy One on activation 💎5 RP per ₹150; up to 10X on SmartBuy — reward rate 3.3%
₹10,000Annual Fee
Invite OnlyMin Salary
3.3%Reward Rate
🖤 Super Premium
07
💎
Unlimited
Lounge
ICICI Bank
ICICI Bank Emeralde Credit Card

ICICI revised the plastic variant eligibility to ₹1,50,000 net monthly salary — exact match for this list. Unlimited lounge access with no caps and no spend conditions, unlimited airport Wi-Fi worldwide, golf lessons and 24/7 concierge for travel and dining. Minimum credit limit is ₹4 lakh. Annual fee is ₹12,000 with no waiver option.

🛋️Unlimited domestic + international lounge access 📶Unlimited Wi-Fi at all airports worldwide ⛳Complimentary golf lessons included 🎩Concierge services for travel and lifestyle
₹12,000Annual Fee
₹1.5L/moMin Salary
₹4L+Credit Limit
💎 Unlimited Lounge
08
🏷️
Tata
Ecosystem
HDFC Bank
Tata Neu Infinity HDFC Bank RuPay Credit Card

Lowest annual fee on this list at ₹499. Earn 5% NeuCoins on purchases through the Tata Neu app — covers BigBasket, Croma, Air India Express and Westside. All other spends earn 1.5% NeuCoins. Since it's a RuPay card, UPI payments at Tata stores earn the same NeuCoins as card swipes. Makes sense only if you shop regularly on Tata platforms.

🏷️5% NeuCoins on Tata Neu app — BigBasket, Croma, Air India Express 📲1.5% NeuCoins on all other card and UPI spends 🛋️Domestic and international lounge access included 🔗RuPay card — UPI enabled on Google Pay and PhonePe
₹499Annual Fee
~₹1L/moMin Salary
Up to 5%NeuCoins
🔗 RuPay + UPI

* HDFC Diners Club Black Metal is primarily an invite-only card. Existing HDFC customers with a strong banking relationship can speak to their relationship manager. ICICI Emeralde minimum salary criteria and annual fees are subject to change — verify on ICICI Bank's official website before applying.

Quick Answer

Can You Get a Premium Credit Card with ₹1,50,000 Salary?

Yes. A ₹1,50,000 monthly salary qualifies you for premium credit cards in India. It is the exact minimum threshold for ICICI Emeralde and well above the income bar for HDFC Regalia Gold, SBI ELITE, Axis Atlas and ICICI Sapphiro.

At this salary level you move out of the entry-level segment. You can access cards with unlimited lounge access for your family, milestone flight vouchers, free golf rounds and welcome packages worth up to ₹13,000. Your CIBIL score matters equally — keep it at 750 or above for the best approval chances and a higher starting credit limit.

₹60K–₹1.5L
Min. Salary Range
750+
CIBIL Recommended
8
Cards at ₹1.5L Salary

Pick based on your monthly spending habits:

  • Low fee, solid all-round benefits — HDFC Regalia Gold (₹2,500 fee, waived at ₹4L, lounge + 5X rewards + ₹5,000 flight vouchers)
  • Spend ₹1.5L+ per month on card — Axis Magnus (reward rate jumps to 35 EDGE pts/₹200, unlimited lounge for add-on holders too; needs ₹2L declared income)
  • Movies and dining are regular spends — SBI ELITE (₹6,000 in free movie tickets/year via BookMyShow, 5X on dining and grocery)
  • You play golf — ICICI Sapphiro (48 free rounds/year on ₹6L spend, full fee waiver at same milestone)
  • Frequent flyer, want air miles — Axis Atlas (5 EDGE Miles/₹100 on travel, transfers to 20+ airline and hotel partners)
  • Unlimited lounge, no spend conditions — ICICI Emeralde (no caps, no threshold, exact ₹1.5L salary minimum)
  • Regular shopper on Tata platforms — Tata Neu Infinity HDFC RuPay (5% NeuCoins on BigBasket, Croma, Air India Express, just ₹499 fee)
Before You Apply

Eligibility for Premium Credit Cards at ₹1,50,000 Salary

Premium credit cards check more than just salary. Banks look at your CIBIL score, existing credit history, number of active cards and your banking relationship. At ₹1,50,000 monthly salary, you clear the income bar for all 8 cards on this list.

Salaried
Monthly Income₹60,000 – ₹1,50,000+ (varies by card)
Age21 – 60 years
CIBIL Score750 or above
NationalityIndian resident
DocumentsLast 3 salary slips, PAN, Aadhaar, Form 16
Self-Employed
Annual Income (ITR)₹9 lakh to ₹24 lakh+ (varies by card)
Age25 – 65 years
CIBIL Score750 or above
NationalityIndian resident
DocumentsLast 2 years ITR, CA-certified financials, bank statements

Already hold a premium card? If you have an HDFC, ICICI or Axis card with a credit limit of ₹3 lakh or more, the bank may offer a direct upgrade without fresh income verification. Many cards on this list are available as upgrades for existing cardholders — speak to your relationship manager to check.

FAQs

Frequently Asked Questions — Credit Cards for ₹1,50,000 Salary

RuPay Network
Explore RuPay Credit Cards
SBI Card →
SBI SimplyCLICK RuPay Credit Card
HDFC Bank →
Shoppers Stop HDFC Bank Credit Card
Axis Bank →
Axis MyZone RuPay Credit Card
AU Small Finance Bank →
AU Spont Credit Card
Best Credit Cards by Monthly Income Best Credit Cards for ₹30,000 Salary
→
Best Credit Cards by Monthly Income Best Credit Cards for ₹50,000 Salary
→
Credit Cards Guide Top 3 Free Credit Cards in India 2026
→

Find the Right Credit Card for ₹1,50,000 Salary

Browse India's full RuPay credit card list — UPI-enabled, lifetime free and zero forex options, all in one place.

Explore All RuPay Cards Back to List