5 Best Credit Cards in India for Cashback & Travel with CIBIL score of 750-770 (with Approval Chances)
If you’re earning around ₹35,000 per month and have a CIBIL score of 761, you’re in a great position to get multiple credit cards that reward you with cashback and travel benefits.
Here’s a detailed guide to five excellent cards along with their approval probability based on your profile.
1. Axis Bank Ace Credit Card – Best Overall Cashback
Highlights:
5% unlimited cashback on electricity, DTH, gas and mobile bills via Google Pay.
4% cashback on Swiggy, Zomato, Ola.
2% cashback on all other spends.
Annual fee: ₹499 (waived on ₹2L spend).
Why it suits you:
Low income requirement, simple cashback structure, and instant savings on daily expenses.
Chance of Approval: 90%
(Axis is known to approve this card easily for applicants with a CIBIL score above 750 and income above ₹15k.)
2. Amazon Pay ICICI Credit Card – Lifetime Free Cashback
Highlights:
Lifetime free with no joining or annual fee.
5% cashback on Amazon (Prime members), 3% for non‑Prime.
2% on Amazon Pay partner merchants, 1% on all other spends.
Why it suits you:
You pay no fees, build credit history, and enjoy assured cashback on online shopping.
Chance of Approval: 95%
(ICICI issues this card easily to most salaried individuals with a score above 740 and stable income.)
3. Axis Bank Vistara Signature Credit Card – Best for Domestic Flights
Highlights:
Complimentary Vistara Premium Economy ticket on joining.
Club Vistara membership and milestone flight vouchers.
Annual fee: ₹3,000.
Why it suits you:
If you travel by air at least twice a year, the free ticket alone recovers the fee.
Chance of Approval: 80%
(Axis prefers ₹30k+ monthly income and a strong CIBIL; you meet both.)
4. HDFC Regalia Gold Credit Card – Premium Travel Benefits
Highlights:
4 complimentary international and 12 domestic lounge visits yearly.
Reward points convertible to AirMiles.
Annual fee: ₹2,500 (can be waived).
Why it suits you:
For those looking to step into premium travel perks without very high income requirements.
Chance of Approval: 85%
(HDFC may ask for ₹35k+ income; your profile fits, so approval odds are high.)
5. SBI Card PRIME – Balanced Lifestyle & Travel
Highlights:
Milestone rewards (Pizza Hut, Yatra, Bata vouchers).
Complimentary Priority Pass (international lounges).
Club Vistara Silver Membership.
Annual fee: ₹2,999 (with welcome benefits worth ₹3,000).
Why it suits you:
A versatile card that covers both travel and lifestyle categories with valuable rewards.
Chance of Approval: 75%
(SBI has slightly stricter income proof requirements, but a 761 CIBIL gives you good standing.)
