Best credit cards for self-employed people we compare
Banks ask self-employed applicants for an income tax return or business proof, often at a higher income than salaried people. These are the cards whose banks say self-employed people can apply.
32 cards · last verified 20 Oct 2026 · how we rank
What each bank asks of self-employed applicants
| # | Card | Self-employed need | Fees | Base rate | Apply |
|---|---|---|---|---|---|
| 1 | Amazon Pay ICICI Bank Credit CardICICI Bank | Income of at least ₹30,000 a month; age 21 or above; Indian citizen | Lifetime free | 1% | View on Amazon siteIssuer's site. We don't earn from this card. |
| 2 | CheQ AU Credit Card (AU Small Finance Bank)AU Small Finance Bank | Monthly income ₹25,000 or more; credit score 750+; living in an AU-serviceable area | Lifetime free | 0.5% | Apply nowVia our referral partner. We may earn a commission. |
| 3 | HSBC RuPay Platinum Credit CardHSBC | Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities | Lifetime free | – | View on HSBC siteIssuer's site. We don't earn from this card. |
| 4 | HSBC Visa Platinum Credit CardHSBC | Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities | Lifetime free | – | View on HSBC siteIssuer's site. We don't earn from this card. |
| 5 | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | ITR accepted as income proof; ₹3 lakh a year | Lifetime free | 0.38% | Apply nowVia our referral partner. We may earn a commission. |
| 6 | IDFC FIRST Select Credit CardIDFC FIRST Bank | ITR accepted as income proof; ₹12 lakh a year | Lifetime free | 0.38% | Apply nowVia our referral partner. We may earn a commission. |
| 7 | IDFC FIRST Wealth Credit CardIDFC FIRST Bank | ITR accepted as income proof; ₹36 lakh a year | Lifetime free | 0.38% | Apply nowVia our referral partner. We may earn a commission. |
| 8 | IDFC FIRST WOW! Credit CardIDFC FIRST Bank | Fixed deposit of ₹20,000 or more with IDFC FIRST; no income proof or credit history needed | Lifetime free | 0.5% | Apply nowVia our referral partner. We may earn a commission. |
| 9 | OneCard (One Credit Card)Federal Bank | Salaried or self-employed; age 18 or above; no income proof (PAN and KYC only) | Lifetime free | – | View on OneCard siteIssuer's site. We don't earn from this card. |
| 10 | Roarbank UPI Credit Card (Unity Small Finance Bank)Unity Small Finance Bank | PAN and Aadhaar, age 21-60, video KYC; no minimum income published; starter limit for people without a credit score | Lifetime free | – | Apply nowVia our referral partner. We may earn a commission. |
| 11 | Scapia Federal Bank Credit Card (Visa + complimentary RuPay)Federal Bank | Age 25-65 if self-employed; resident Indian; no income figure published; the bank sets other criteria at application | Lifetime free | 2% | Apply nowVia our referral partner. We may earn a commission. |
| 12 | Uni GoldX Credit Card (BOBCARD)BOBCARD Limited (Bank of Baroda subsidiary) | PAN (mandatory) and Aadhaar-based digital KYC, age 21-60; no minimum income published; may need no document upload | Lifetime free | 1% | Apply nowVia our referral partner. We may earn a commission. |
| 13 | YES BANK POP-CLUB Credit CardYES BANK (co-brand with Pop Club) | ITR income of ₹7.5 lakh a year or more; age 21-60; existing YES BANK cardholders not eligible | Free joining, ₹399 a year | – | Apply nowVia our referral partner. We may earn a commission. |
| 14 | HSBC RuPay Cashback Credit CardHSBC | Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities | ₹499 joining, ₹499 a year | 1% | View on HSBC siteIssuer's site. We don't earn from this card. |
| 15 | IDFC FIRST Bank HPCL FIRST Power+ Credit CardIDFC FIRST Bank | Age 25 or above if self-employed; annual income ₹3 lakh or more (the same bar as for salaried applicants); good credit score | ₹499 joining, ₹499 a year | 0.5% | Apply nowVia our referral partner. We may earn a commission. |
| 16 | Tata Neu Plus HDFC Bank Credit CardHDFC Bank | ITR of ₹6 lakh a year, going by HDFC Bank's FAQ (another part of its page shows a different figure, so confirm with the bank); age 21–65 | ₹499 joining, ₹499 a year | 1% | Apply nowVia our referral partner. We may earn a commission. |
| 17 | HDFC Bank MoneyBack+ Credit CardHDFC Bank | ITR above ₹6 lakh a year; age 21-65; Indian national | ₹500 joining, ₹500 a year | 0.2% | Apply nowVia our referral partner. We may earn a commission. |
| 18 | HDFC Bank PIXEL Play Credit CardHDFC Bank | ITR above ₹6 lakh a year; age 21-65; Indian national | ₹500 joining, ₹500 a year | 1% | Apply nowVia our referral partner. We may earn a commission. |
| 19 | ICICI Bank Coral RuPay Credit CardICICI Bank | Income of ₹2,40,000 a year; age 21-65; Indian citizen | ₹500 joining, ₹500 a year | – | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 20 | HSBC Live+ Credit CardHSBC | Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities | ₹999 joining, ₹999 a year | 1.5% | Apply nowVia our referral partner. We may earn a commission. |
| 21 | HDFC Bank Diners Club Privilege Credit CardHDFC Bank | ITR above ₹6 lakh a year; age 21-65; Indian national | ₹1,000 joining, ₹1,000 a year | – | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 22 | Swiggy BLCK HDFC Bank Credit CardHDFC Bank | ITR above ₹12 lakh a year; Indian national | ₹1,000 joining, ₹1,000 a year | 1% | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 23 | Tata Neu Infinity HDFC Bank Credit CardHDFC Bank | ITR above ₹12 lakh a year; age 21–65 | ₹1,499 joining, ₹1,499 a year | 1.5% | Apply nowVia our referral partner. We may earn a commission. |
| 24 | ICICI Bank Rubyx Credit CardICICI Bank | Income of ₹9 lakh a year; age 21-65 | ₹3,000 joining, ₹2,000 a year | – | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 25 | HDFC Bank Regalia Gold Credit CardHDFC Bank | ITR above ₹18 lakh a year; age 21-65; Indian national | ₹2,500 joining, ₹2,500 a year | 1.25% | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 26 | Marriott Bonvoy HDFC Bank Credit CardHDFC Bank | ITR above ₹15 lakh a year; age 21-65; Indian national | ₹3,000 joining, ₹3,000 a year | – | Apply nowVia our referral partner. We may earn a commission. |
| 27 | ICICI Bank Sapphiro Credit CardICICI Bank | Income of ₹9,00,000 a year; age 21-65; Indian citizen | ₹6,500 joining, ₹3,500 a year | – | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 28 | HSBC TravelOne Credit CardHSBC | Income of at least ₹12 lakh a year; age 25-65; resident in one of HSBC's 21 listed cities | ₹4,999 joining, ₹4,999 a year | – | View on HSBC siteIssuer's site. We don't earn from this card. |
| 29 | HDFC Bank Diners Club Black Metal Edition Credit CardHDFC Bank | ITR above ₹30 lakh a year; age 21-65; Indian national | ₹10,000 joining, ₹10,000 a year | 3.33% | View on HDFC Bank siteIssuer's site. We don't earn from this card. |
| 30 | ICICI Bank Emeralde Credit CardICICI Bank | Income of ₹18 lakh a year; age 21-65 | ₹12,000 joining, ₹12,000 a year | – | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 31 | Axis Bank Magnus Credit CardAxis Bank | ITR of ₹24 lakh a year; age 18-70; resident in India | ₹12,500 joining, ₹12,500 a year | 1.2% | Apply nowVia our referral partner. We may earn a commission. |
| 32 | Times Black ICICI Bank Credit CardICICI Bank | Income of ₹24 lakh a year; age 21 or above; Indian citizen | ₹20,000 joining, ₹20,000 a year | 2% | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
Listed only where the bank's own pages say self-employed applicants are accepted. Fees exclude GST. Ranking never depends on whether we earn from a card.
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Questions people ask
Can self-employed people get a credit card without ITR?
Some issuers don't publish a minimum income for these cards: Roarbank UPI Credit Card (Unity Small Finance Bank), Uni GoldX Credit Card (BOBCARD). They still check your PAN, KYC and credit history, and decide the limit themselves.
How much income do banks ask from self-employed applicants?
Where it's published, the bar is usually higher than for salaried people. For example: IDFC FIRST Millennia Credit Card: ITR accepted as income proof; ₹3 lakh a year; IDFC FIRST Select Credit Card: ITR accepted as income proof; ₹12 lakh a year; IDFC FIRST Wealth Credit Card: ITR accepted as income proof; ₹36 lakh a year; YES BANK POP-CLUB Credit Card: ITR income of ₹7.5 lakh a year or more; age 21-60; existing YES BANK cardholders not eligible; Tata Neu Plus HDFC Bank Credit Card: ITR of ₹6 lakh a year, going by HDFC Bank's FAQ (another part of its page shows a different figure, so confirm with the bank); age 21–65; HDFC Bank MoneyBack+ Credit Card: ITR above ₹6 lakh a year; age 21-65; Indian national; HDFC Bank PIXEL Play Credit Card: ITR above ₹6 lakh a year; age 21-65; Indian national; HDFC Bank Diners Club Privilege Credit Card: ITR above ₹6 lakh a year; age 21-65; Indian national; Swiggy BLCK HDFC Bank Credit Card: ITR above ₹12 lakh a year; Indian national; Tata Neu Infinity HDFC Bank Credit Card: ITR above ₹12 lakh a year; age 21–65; HDFC Bank Regalia Gold Credit Card: ITR above ₹18 lakh a year; age 21-65; Indian national; Marriott Bonvoy HDFC Bank Credit Card: ITR above ₹15 lakh a year; age 21-65; Indian national; HDFC Bank Diners Club Black Metal Edition Credit Card: ITR above ₹30 lakh a year; age 21-65; Indian national; Axis Bank Magnus Credit Card: ITR of ₹24 lakh a year; age 18-70; resident in India.
Which of these cards are lifetime free?
Amazon Pay ICICI Bank Credit Card, CheQ AU Credit Card (AU Small Finance Bank), HSBC RuPay Platinum Credit Card, HSBC Visa Platinum Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card, IDFC FIRST WOW! Credit Card, OneCard (One Credit Card), Roarbank UPI Credit Card (Unity Small Finance Bank), Scapia Federal Bank Credit Card (Visa + complimentary RuPay), Uni GoldX Credit Card (BOBCARD). They charge no joining or annual fee on the bank's own terms.
Why aren't more cards listed?
We only list a card here when the bank's own pages say self-employed applicants can apply. Many banks don't say either way, so we leave those out rather than guess.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.