Top Credit Cards for Salaried Professionals in Tier-2 Cities – 2025
Just because you’re outside the metros doesn’t mean you have fewer options. In fact, it might be the opposite!
Do you reside in a Tier-2 city such as Coimbatore, Patna, Nagpur, Lucknow, or Indore? It is time for your credit card to match your steady income, digital habits, and rising expenses. Since banks have gone digital, salaried workers outside of India's major cities can now get some of the greatest credit cards in the country that are free, offer a plethora of rewards, and are convenient for travel. Let us investigate them.
Why Salaried Professionals in Tier-2 Cities Need the Right Credit Card
- 💳 Build a credit profile for home/car loans in future
- 🎁 Earn cashback and rewards on monthly essentials
- 🛫 Get complimentary lounge access for work or leisure travel
- 📲 Access 100% digital onboarding – no branch visits
Top Credit Cards for Tier-2 Salaried Individuals (2025 Picks)
1. Federal Bank Scapia Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- 10% rewards on all online spends
- Unlimited lounge access (milestone-based)
- No income proof needed for salaried users
- Best For: Salary earners who shop online and travel occasionally
2. AU LIT Credit Card
- Annual Fee: ₹0
- Customizable reward packs (fuel, OTT, travel)
- Quarterly feature access: cashback, lounge, etc.
- Zero income proof required
- Best For: Lifestyle-focused salaried users with OTT, fitness, and app spending
3. IDFC FIRST Classic Credit Card
- Annual Fee: ₹0
- 4X rewards on online & weekend spends
- 0.75% forex markup + low-interest EMI options
- Free railway & roadside assistance
- Best For: Everyday city spending, EMI planning
Comparison Table – Best Cards for Salaried Employees in Tier-2
| Card | Annual Fee | Key Features | Best For |
|---|---|---|---|
| Federal Scapia | ₹0 | 10% rewards, lounge access, no income proof | Online spends & milestone users |
| AU LIT | ₹0 | Custom features, OTT, fuel cashback | Streaming & lifestyle |
| IDFC Classic | ₹0 | Low interest, EMI & utility spends | Day-to-day use |
Eligibility Criteria for Tier-2 Professionals
- Minimum Age: 21 years
- Monthly Income: ₹15,000–30,000
- Salary slip or bank statement for salaried applicants
- Basic documents: Aadhaar, PAN
How to Apply for These Cards Online?
- Click on the Apply Now button above
- Enter Aadhaar + PAN
- Choose salaried option & upload bank statement/salary slip
- Receive approval in under 5 minutes (fully digital)
FAQs – Credit Cards for Salaried in Tier-2 India
Can salaried employees in Tier-2 cities get credit cards without high income?
Yes, many cards like Scapia and AU LIT are available with income starting from ₹15,000/month and no heavy documentation.
Which is the best lifetime free credit card for salaried professionals?
IDFC Classic and Federal Scapia are both lifetime free and ideal for entry-level users in Tier-2 cities.
Do I need a CIBIL score to apply?
A score above 650 helps, but even without a credit history, AU LIT and Scapia often approve salaried profiles digitally.
Can I get lounge access without paying annual fees?
Yes. Scapia offers milestone-based lounge access. AU LIT has lounge as a feature you can activate quarterly.
