💳 Salary Based Card Eligibility Blogger tool
Instant pre‑approved card estimator • Indian salary context • monthly income
📋 your salary details
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⚡ Banks typically allow 40–55% of net income as total EMI. This tool uses 50% FOIR and salary co-efficient.
✨ eligible cards will appear here
After you click the button, we’ll show cards you may qualify for based on your monthly salary.
⬆️ adjust salary & hit CHECK
❓ Salary & card eligibility — blogger deep dive
How is credit card limit calculated from salary?
Typically banks offer 2–4 times your net monthly income as total credit limit across cards. But they also check FOIR: if your existing EMIs are high, the limit shrinks. Our calculator uses: (monthly income × 12 × 0.5) – (existing yearly EMI) ≈ annual repayment capacity, then maps to card tiers.
What is FOIR and why 50%?
FOIR = Fixed Obligation to Income Ratio. Most Indian banks keep a threshold of 50–55%. Means: all EMIs + proposed card limit (treated as 5% of limit) should not exceed 50% of monthly salary. We simplified to 50% rule.
Salary ₹25k vs ₹1.5L – which cards appear?
Entry level cards (e.g., SimplySave, Flipkart) start around ₹20k income. Premium cards (Reserve, Infinia, etc.) often ask ₹1.5L–2L monthly. Our dynamic list adapts.
Do self employed get different treatment?
Yes, banks look at ITR (average 2 years) instead of salary slips. Our calculator uses 80% of declared income for self employed to be conservative.
