Most travel credit cards gives premium benefits for high net worth individuals and high spenders with their fancy reward points and free lounge access, but there are few cards which gives these experience to people who earns Rs 20,000 – Rs 30000 per month.
Lets explore the best travel credit cards which are suited for entry level professionals .
| Criteria | Entry-Level Travel Cards |
|---|---|
| Monthly Income Required | ₹15,000 – ₹25,000 |
| Fees | ₹0 to ₹1,500/year |
| Benefits | Airport lounge access, travel discounts, reward points |
| Approval | Salaried employees preferred |
Benefits :
You only pay for features you use
You can add airport lounge access, travel insurance, fuel surcharge waiver
There is No annual fee by default
Excellent for credit card beginners
Monthly Income Required: ₹20,000
Annual Fee: ₹0 (modular pricing)
Best For: Full control over card features
Apply for AU Bank LIT Credit Card
Benefits:
You will get Reward points on all spends
There is no annual fee if you spend ₹50,000/year
Works well for travel bookings on MakeMyTrip/Yatra
Monthly Income Required: ₹18,000+
Annual Fee: ₹199 (waived off with spend)
Best For: First-time salaried users
Apply for ICICI Platinum Credit Card
Benefits:
There is a 10X reward points on travel sites like Cleartrip, IRCTC, etc.
You will get Amazon & BookMyShow vouchers as joining bonuses
Good cashback system on online shopping too
Monthly Income Required: ₹20,000
Annual Fee: ₹499 (waived on ₹1L annual spend)
Best For: Digital-savvy salaried professionals
Benefits:
You will get 4 complimentary domestic lounge visits/year
Discounts on BookMyShow and Myntra
Get Travel offers on Cleartrip and Yatra
Monthly Income Required: ₹15,000–₹20,000
Annual Fee: ₹250
Best For: Students, new job holders, freelancers
If your salary slips are below ₹15,000/month or irregular, go for secured travel credit cards backed by a fixed deposit. These are easy to get and offer similar benefits:
| Card | Bank | Minimum FD |
|---|---|---|
| SBI Unnati Card | SBI | ₹25,000 FD |
| Axis Insta Easy | Axis Bank | ₹20,000 FD |
| ICICI Coral Secured | ICICI | ₹30,000 FD |
Use aggregator offers: Yatra, Cleartrip, and Ixigo often have tie-ups with SBI, Axis, and HDFC.
Track your spending to ensure you meet waiver limits.
Use reward points for travel vouchers, not just merchandise.
Don’t miss lounge visits—you’re paying for them, use them!
You don’t need to be a high earner to enjoy travel perks with a credit card. These low-income friendly cards let you:
Access lounges
Save on bookings
Build credit history
Get cashback or rewards on every trip
Choose a card that matches your monthly spend, not just the hype
