Credit Cards
Credit Cards for Salaried & Self-Employed Applicants
The right credit card builds credit history and returns real value; the wrong one quietly costs you in fees and interest. We match your spending pattern and profile to cards you are actually likely to be approved for, so you avoid rejections that leave hard enquiries on your report.
Card categories we advise on
- ✓Entry-level and first credit cards for building history
- ✓Cashback and rewards cards matched to your spending pattern
- ✓Fuel and travel cards for frequent commuters
- ✓Business credit cards for proprietors and directors
- ✓Secured cards against fixed deposit for thin or damaged credit files
Eligibility essentials
- ✓Stable income — salary slips or ITR for self-employed applicants
- ✓CIBIL score generally 700 and above for unsecured cards
- ✓Existing card and loan obligations within a reasonable limit
- ✓Age between 21 and 60 years for most issuers
Using a card without damaging your score
Keep utilisation under 30% of the limit, pay the full statement amount rather than the minimum, and avoid closing your oldest card — credit age counts. Used this way, a card is one of the cheapest ways to build a strong CIBIL profile.
Frequently asked questions
›Can a self-employed person get a credit card?
Yes. Issuers assess ITR, business vintage and banking turnover instead of salary slips. A secured card against a fixed deposit is a reliable route where the file is thin.
›How many credit cards should I hold?
Two or three well-used cards are usually sufficient. Beyond that, tracking due dates becomes harder and a single missed payment costs more than the extra rewards are worth.
›Does applying for a credit card lower my CIBIL score?
Each application creates a hard enquiry with a small temporary impact. Several applications close together have a much larger effect, which is why matched applications matter.
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Speak to an advisor — no obligation
Share a few details and an Arthvritti advisor will call you back to discuss options honestly, including when borrowing is not the right move.