4 Credit Cards for Self-Employed Professionals!

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Self-employed individuals often face challenges in getting credit cards due to income proof issues. However, some cards are tailored to meet their unique needs, offering exclusive rewards and perks! Here’s a list of the best credit cards for self-employed professionals:

1. YES Bank Prosperity Rewards Credit Card
Joining Fee: ₹399
Key Features:

  • Earn 2 Reward Points for every ₹200 spent on retail transactions.
  • Get 5X Reward Points on the first 3 transactions for 5 registered billers via YES PayNow.
  • 10,000 Bonus Reward Points on spending ₹1.8 lakh annually.
  • 1% Fuel Surcharge Waiver (₹400–₹5,000 transactions).
  • Fee Waiver:
    • Spend ₹5,000 in 90 days for 1st-year fee waiver.
    • Spend ₹25,000 annually for renewal fee waiver.
  • Forex markup: 3.40%.

2. SimplyCLICK SBI Card
Joining Fee: ₹499
Key Features:

  • Earn 10 Points per ₹100 spent at partner brands (e.g., BookMyShow, Swiggy, Myntra).
  • Earn 5 Points per ₹100 on other online transactions.
  • Get Cleartrip vouchers worth ₹2,000 on milestone spends of ₹1 lakh & ₹2 lakh.
  • Complimentary Amazon Gift Voucher worth ₹500 on joining.
  • 1% Fuel Surcharge Waiver (₹500–₹3,000 transactions).
  • Annual Fee Waiver on ₹1 lakh annual spend.

Apply Now : SimplyCLICK SBI Card

3. HDFC Freedom Credit Card
Joining Fee: ₹500
Key Features:

  • 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy, Uber (up to 2,500/month).
  • 5X CashPoints on EMI transactions (up to 2,500/month).
  • 1 CashPoint for every ₹150 spent on other transactions.
  • 500 CashPoints on paying joining/renewal fee.
  • Fee waiver on annual spends over ₹50,000.
  • 1% Fuel Surcharge Waiver (₹400–₹5,000, max ₹250/month).
  • Up to 15% off on dining via Dineout.

Apply Now : HDFC Freedom Credit Card

4. HDFC Diners Club Miles Credit Card
Joining Fee: ₹1,000
Key Features:

  • Earn 4 Reward Points for every ₹150 spent.
  • Redeem points for air miles with top airlines (1 point = 1 mile or ₹0.50).
  • Up to 15% off at 1,400+ global restaurants.
  • 6 Complimentary Lounge Visits annually (1000+ lounges worldwide).
  • Comprehensive insurance benefits:
    • ₹1 Cr Air Accident Cover.
    • ₹25L Emergency Medical Coverage.
    • ₹50,000 for baggage delays.
    • ₹9L Credit Liability Cover.
  • Fee waiver on annual spends over ₹1 lakh.

Apply Now : HDFC Diners Club Miles Credit Card

Eligibility Criteria

While eligibility may vary, here’s the general guideline:

  1. Credit Score: 750+ recommended.
  2. Income Proof: Must meet the lender’s minimum criteria.
  3. Age: 25–60 years.
  4. Credit History: Clean repayment track record is essential.

Before applying, assess your financial health and spending habits to avoid unnecessary debt. Credit cards are powerful tools when used wisely!