Credit card is not only a substitute of cash but people also  use it in order to earn the reward points, discounts and cashback. While applying for the credit card, income should be taken into consideration.There are many credit cards are available therefore it is important to choose the right credit card. However, while choosing the credit card income plays an important role.  We bring you some of the credit cards options for the people who earn less than Rs 5 lakh per annum.

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 ICICI Bank Platinum Chip Credit Card offered - With his card, cardholder can earn Payback points on their transaction. These Payback points can be redeemed from various options such as movie, travel vouchers, lifestyle products, mobiles, etc. Customers can earn 2 PAYBACK points on every Rs 100 spent on all retail purchases except fuel.

SimplySAVE SBI Card- This card allow customers to earn 1 reward point on every Rs 100 that is spent using the SimplySAVE SBI Card. The accumulated reward points can be used to pay the outstanding balance on the credit card or redeem against a wide array of gifts. Customers can get 2,000 bonus reward points if Rs 2000 are spent in the first 60 days.

Good news for SBI customer, get flat Rs 1,500 cashback on ACs on EMI transactions

 HDFC MoneyBack – The cardholders  can earn two Reward Points (RP) on every Rs 150 spent and 2 X reward points on online spends. Apart from this, if the cardholder does a minimum of four transactions using a credit card every month and then he/she will get free accidental death insurance up to Rs 50 Lakh, and free fire and burglary protection for goods above Rs 5,000 for 180 days.

 Kotak Mahindra Bank's Urbane Gold Credit Card - Cardholders can earn 3X reward points against every Rs 100 of retail spends. Additionally, every 1000 reward points will have a redeemable worth of Rs 75 where a minimum of 1000 points are required for the redemption.