Best Credit Cards in 2025 with Low Income Eligibility – Buy Your iPhone This Festive Sale

Purchasing an iPhone during the festive sale season in India has become a somewhat traditional activity. However, if you are earning a modest salary, you might be questioning whether it is possible to acquire your desired iPhone without putting a strain on your finances.

The solution is to select the appropriate credit card. Numerous banks now provide credit cards with low-income eligibility, enabling young professionals and first-time credit users to take advantage of benefits such as EMI options, cashback, and reward points – thus making high-end purchases like iPhones more financially feasible.

In this Blog, we will examine three specific credit cards from SBI, ICICI, and Axis Bank, and how they can help you obtain the latest iPhone during this festive season.

Why Low-Income Eligibility Credit Cards Matter

• Accessible options for young earners: You can qualify even with a monthly income of ₹15,000.

• Festive EMI promotions: Transform your significant purchases, such as an iPhone, into manageable monthly payments.

• Cashback and rewards: Enjoy savings on online shopping, food delivery, and everyday expenses.

• Enhancing credit score: These cards serve as a gateway to a more robust financial profile.

1. ICICI Amazon Pay Credit Card – ₹15,000 Monthly Income

The Amazon Pay ICICI Credit Card stands out as one of the most favored options for beginners in India.

Reasons it is ideal for your iPhone acquisition:

• Transform your iPhone purchase on Amazon into interest-free EMIs during festive sales.

• Receive up to 5% cashback on purchases made on Amazon.

• There is no annual fee, ensuring no additional financial strain.

If your monthly income is as low as ₹15,000, this card provides you with access to exclusive festive offers.

If you want to know the unbiased AI score of this Credit Card, read the detailed review. Click here

2. SBI Card Pulse – ₹2 Lakh Annual Income

The SBI Card Pulse is tailored for individuals seeking a combination of lifestyle and health advantages while enjoying flexibility in their purchases.

Reasons it is ideal for festive shopping include:

• An annual income requirement of only ₹2 lakh, which makes it attainable for a wide audience.

• EMI options are available for iPhone purchases, along with exclusive festive discounts on partner platforms.

• Complimentary fitness and health memberships as additional benefits.

Therefore, if you are considering purchasing an iPhone and desire lifestyle benefits, the SBI Pulse may be the right choice for you.

If you want to know the unbiased AI score of this Credit Card, read the detailed review. Click here

3. Axis Bank Ace Credit Card – ₹15,000 Monthly Income

The Axis Bank Ace Credit Card represents an excellent choice for individuals with moderate incomes.

Reasons it is beneficial during the festive season:

• An income eligibility requirement of only ₹15,000 per month.

• 5% cashback on bill payments and DTH recharges made via Google Pay.

• Cashback on dining and daily expenditures – savings that can help reduce a portion of your iPhone EMI.

This card guarantees that as you purchase your iPhone, your routine expenses also yield greater rewards.

If you want to know the unbiased AI score of this Credit Card, read the detailed review. Click here

Festive Sale + Low Salary + Right Credit Card = Dream iPhone

Assuming your monthly income is ₹20,000, purchasing an iPhone priced at ₹80,000 outright may appear unfeasible. However, with a low eligibility credit card:

• You can divide the total cost into 12 monthly installments of approximately ₹6,700.

• Accumulate cashback and rewards to lower the effective cost.

• Handle your finances wisely without depleting your savings.

Final Thoughts

Holiday sales present an excellent opportunity for significant purchases, such as the newest iPhone. If you have concerns regarding your modest salary, do not hesitate – a suitable low-income eligibility credit card from SBI, ICICI, or Axis Bank can facilitate a seamless, rewarding, and economical purchase experience.

During this Diwali season, allow your salary not to hinder your upgrade to the iPhone of your dreams.

FAQs – Best Credit Cards in 2025

Which is the best credit card in 2025 for no-cost EMI?

The ICICI Amazon Pay Credit Card, SBI Card Pulse, and Axis Bank Ace Credit Card are among the best credit cards in 2025 that offer no-cost EMI options, cashback, and low-income eligibility.

Can I buy an iPhone on no-cost EMI in 2025 with a credit card?

Yes, leading banks like ICICI, SBI, and Axis Bank offer no-cost EMI on iPhones during festive sales in 2025. You can split the cost into affordable monthly installments without paying extra interest.

What is the income eligibility for low-salary credit cards in 2025?

·        ICICI Amazon Pay Credit Card: ₹15,000 monthly income

·        SBI Card Pulse: ₹2 lakh annual income

·        Axis Bank Ace Credit Card: ₹15,000 monthly income

Are there hidden charges in no-cost EMI offers in 2025?

Most no-cost EMI offers in 2025 truly come with zero interest, but some banks may charge a small processing fee. Always read the terms before converting your purchase.

How do I maximize benefits from no-cost EMI in 2025?

• Choose an EMI duration that suits your monthly budget.

• Compare festive bank tie-ups on Amazon, Flipkart, and Reliance Digital.

• Pay EMIs on time to avoid interest charges.

• Use cards that also provide cashback and rewards for extra savings.