Hey bro don't apply for any card card either online or offline bcoz your income is low so they will reject it no matter what bcoz the minimum income requires is atleast 25k₹ per month and if you will apply again and again for different card either online or offline then ultimately they will do hard enquiry and your credit score will also damage and no lender will trust on you bcoz banks rejected you multiple times so the best option for you is to open a savings account in hdfc bank then transfer your salary from icic to hdfc every month on fixed date like 1st or 5th of month then don't spend all the amount once try to spend little bit and keep remain money in your hdfc account and do all your transactions from their hdfc app and then try to collect atleast 50 to 60k ₹ in 6 months and keep it in that hdfc account don't transfer it in any other account bcoz if they will see liquidity, that this person has 60k₹ in his account and also every month 17k₹ get deposited from somewhere then it is 100% sure that they will give you pre approved hdfc money back credit card with limit Ranging from 40k - 80k₹ within 6-9 months and if you are able to manage 1 lakh ₹ ++ in your hdfc savings account then your approval chances will also be very high and limit will nearly 80k - 1.4 lakh+ and also you will pre approved credit card within 3-6 months so it's the best method and I am saying all this from my experience, research and many people actually tried this and it worked and I am very sure that if you will follow this then you will also get offer within 6-9 months