The Tough Life of Street Credit Card Sellers: Long Hours, Low Pay, and Relentless Targets
The Tough Life of Street Credit Card Sellers: Long Hours, Low Pay, and Relentless Targets
If you’ve walked past a mall entrance, metro station, or busy office complex, chances are you’ve met them—young men and women in crisp formals, clipboard in hand, smiling as they ask,
“Sir, would you like to apply for a credit card?”
Most of us brush them off without a second thought. But behind that polite approach lies a world of daily rejection, endless hours, and the pressure of meeting tough sales targets.
One Sale in a Hundred Conversations
A field executive describes his routine: he pitches to over 100 strangers in a day. Out of them, only a handful show interest—and often, just one person fills out a form. Whether it’s blazing heat or pouring rain, they’re out there every day with the same goal: at least one application before going home.
Salary That Shrinks With Missed Targets
Most agents earn ₹10,000–₹12,000 per month, but the catch is in the targets. A standard monthly goal is 30 approved applications—one per day. Falling short can mean losing incentives or even having part of their salary withheld.
Commission Ranges From ₹150 to ₹500 Per Card
If they hit their targets, they earn a small bonus—typically ₹150–₹200 per card. In some cases, depending on the agency or card type, it can go up to ₹500. Premium credit cards may pay ₹2,000 or more, but convincing someone to take one is far harder.
They Don’t Work for Banks
Most aren’t bank employees. Instead, banks outsource credit card sales to Direct Selling Agents (DSAs), who then hire field agents. Some get a fixed salary, some work only on commission (₹500–₹1,000 per card), and others get a mix of both.
A Job With No Safety Net
The work is high-pressure, offers no job security, and demands relentless effort. A single “Yes” often comes after hundreds of “No, thank you” responses.
So next time a credit card seller approaches you, remember—they’re not just pushing a product. They’re fighting for a target, a paycheck, and sometimes, the job itself.
