Most travel credit cards target high-net-worth individuals and big spenders with fancy reward points and free lounge access — but a few genuinely good options exist for people earning ₹20,000-30,000 a month too. Here’s what’s actually available at entry-level income.
Earning more, or want the full range of premium options? See our complete travel credit cards guide. Traveling internationally and want to minimize forex fees specifically? See our zero-forex-markup travel cards guide.
| 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:
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:
Monthly Income Required: ₹18,000+
Annual Fee: ₹199 (waived with spend)
Best For: First-time salaried users
Apply for ICICI Platinum Credit Card
Benefits:
Monthly Income Required: ₹20,000
Annual Fee: ₹499 (waived on ₹1L annual spend)
Best For: Digital-savvy salaried professionals
Benefits:
Monthly Income Required: ₹15,000-20,000
Annual Fee: ₹250
Best For: Students, new job holders, freelancers
If your salary is below ₹15,000/month or irregular, secured travel credit cards backed by a fixed deposit are easier 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 |
| Novio Secured Card (RuPay/UPI) | SBM/Credilio | ₹2,000 FD |
Apply for Novio Secured Card — the lowest FD requirement of this list.
You don’t need to be a high earner to enjoy travel perks with a credit card. These entry-level-friendly cards let you access lounges, save on bookings, build credit history, and get cashback or rewards on every trip. Choose a card that matches your monthly spend, not just the hype.
