The annual income 12L should suffice for most credit cards and get you the best ones! Only concern is no credit profile.
So, the first step would be to check her CIBIL score. You can do it for free on the Google Pay app instantly!
If it's above 735-750, that's a good sign.
Now, the list of cards that you can apply for
1. Amex MRCC Card
American Express has been on a expansion mode so they aren't as strict with card approvals as other banks. Also, the rewards are great - 1000 bonus points on 6k expenses monthly, and 2000 bonus points on 20k expenses.
Don't apply directly on the website, apply using an invite link and it will be first year free!
2. Axis Atlas
This might be a little tricky as your first card, Axis is closing down cards and is acting very strict these days. While you're on the Google Pay app, you can check out the Axis Ace pre-approved offer(if any) and then apply for that instead to get started with!
3. SBI Cashback
Again, getting this online can be difficult, when traveling through airport or shopping through malls, apply for this through the agent you find there. They have their own ways of getting the approvals and should get you sorted.
There are some more cards like the HDFC Swiggy card(if you order a lot), Amazon Pay ICICI(also easy to get if you use Amazon a lot) and some more but climbing up the ladder will be very slow if you start with those! Managing to get a premium card early will open the doors for getting the super-premium cards faster!
DM me if you have any queries and I can help. 🙂
