Looking for your first credit card? This can be so challenging with so many options available in the market, from sbi credit card prime, sbi cashback credit card, HDFC, and many others, which offer exciting features including airport lounge access, cashback, coupons, rewards, and many other benefits. The best credit cards for beginners helps you build credit while offering low fees, simple rewards, and other great benefits.
Best Credit Cards for Beginners to Start Your Credit Card Journey
1. SBI Cashback Credit Card:
The SBI Cashback Credit Card offers excellent cashback rewards for everyday spending. This card comes with a ₹999 joining fee and a ₹999 annual fee, which can be waived if you spend more than 2 lakh. It is ideal for frequent shoppers with no merchant restrictions.
Important Benefits
- The card offers 5% cashback on online purchases without any merchant restriction.
- The card has a monthly cashback cap of ₹5000 across all categories.
- You also get 1% cash back on the offline transactions.
- Along with these benefits, it also provides a 1% fuel surcharge waiver across all petrol pumps in India.
2. SBI Simplyclick Credit Card:
The Simplyclick credit card is ideal for online shopping enthusiasts, providing 5X reward points on online spending. This card comes with a ₹500 joining fee but offers its worth by giving exciting offers and benefits. SBI Simplyclick Credit Card is one of the Best Credit Cards for Beginners to start their credit card journey
Important Benefits
- You will receive a ₹500 Amazon voucher as a welcome bonus when you pay the joining fee.
- Credit card users with SBI Simplyclick Credit Card can earn 10X reward points on top online partners like BookMyShow, Cleartrip, Swiggy, Apollo 24×7, Dominos, Myntra, Netmeds, and Yatra.
- You can get your annual fee waived off if you spend 1 lakh and more.
3. Amazon Pay ICICI Credit Card:
The Amazon Pay ICICI Credit Card is best for people who are frequent shoppers on Amazon. It has exclusive benefits specially designed for Amazon shoppers. The reward and cashback make it a top choice among its competitors. The Amazon Pay ICICI Credit Card is lifetime free with no annual charges.
Key Features
- The card offers 5% cashback on Amazon shopping for Prime users and 3% cashback for non-Prime spends.
- You will also get 1% fuel surcharge waiver for all petrol pumps in India
- The card has no expiry date for rewards, and you can use those rewards on Amazon or 100+ other merchants.
4. IDFC First Millennium Credit Card:
This IDFC First Millennium Credit Card is ideal for people who are looking to save an annual fee. Which saves you the hassle of yearly credit card payments. With a low interest rate of 0.75% per month, this card is best for beginners to start their credit card journey and enjoy other perks too. You can apply for this credit card if you have an income of 3 lakh or more.
Key features-
- IDFC First Millennia Credit Card offers ₹ 500 Welcome voucher if you spend ₹ 5000 in the first 30 days.
- You will also get 5% cashback (up to ₹1000) on the first EMI transaction within the first 30 days.
- IDFC First Millennia Credit Card offers 4 complimentary Railway lounge visits per quarter.
5. HDFC biz First Credit Card:
This HDFC credit card comes with a joining/renewal membership fee of ₹500 plus taxes. This annual fee can be waived if you spend more than ₹50,000 in a year. HDFC biz First credit cardholders can enjoy 3% cash points on EMI spends with a cashpoint cap of 3000. You can save up to ₹10555 rupees with HDFC biz first credit card.
Key features-
- The card offers an Interest-Free Credit Period of Up to 55 days.
- HDFC biz First Credit Card offers 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions.
- The card also offers 1% cashback points on UPI spending.
6. Axis Bank Indian Oil Axis Bank Credit Card:
The card comes with a ₹500 joining fee and a ₹500 annual fee. People in the age group of 18-70 are eligible for this card. The card offers up to 4% on the fuel spent at Indian Oil locations. You also get a discount of 10% on movie bookings through the Bookmyshow mobile app and website. Axis Bank IndianOil Axis Bank Credit Card is ideal for travelers to save them fuel expenses.
Key features-
- The card offers a fuel surcharge waiver of 1%.
- You can earn up to 1250 EDGE reward points on the first fule transaction.
- Axis Bank Indian Oil Axis Bank Credit Card calso offer 5 reward points on every 100 rupee spending.
7. Airtel Axis Bank credit card:
Indian residents from the age of 18-70 can apply for an Airtel Axis Bank credit card. This card comes with a 500 rupee joining fee and annual. The annual fee can be waived if you spend more than 200,000 in a year. You can apply for this credit card online through the Airtel Thanks app. This is one of the best credit cards for airport lounge access.
Key features-
- Airtel Axis Bank credit card Credit offers a 500 rupee Amazon eVoucher if you make your first transaction within 30 days.
- It offers you four complimentary airport lounge visits if you have spent more than 50,000 in the last 3 months.
- 25% cashback on Airtel Mobile Broadband, WIFI, and DTH spending through the Airtel Thanks App.
8. HDFC Bank Times Credit Card:
The HDFC Bank Platinum Times Card is designed for salaried and self-employed Indian nationals. This card can be a good choice for you if you are looking for lifestyle benefits and perks. Salaried- Indian nations from the age of 21 to 60 with a monthly salary of 35,000 rupees or more can apply for an HDFC Bank Platinum Times Card. Self-employed Indian citizens between the ages of 21 to 65 can apply for this credit card with an annual income of 600,000 rupees and above.
Key Benefits-
- The card offers exclusive Times Prime membership if the user makes 1 transaction in a quarter.
- Cardholders also get 50% off on movie tickets through the BookMyShow app.
- HDFC Bank Times Credit Card offers 3 reward points for every 150 rupee retail spends.
9. Axis ACE Credit Card:
This card offers great benefits. Axis ACE Credit Card can be ideal for travelers because it offers complimentary lounge access in selected domestic airports. This card charges a 499 rupee joining fee and an annual fee. The age to apply for this card should be between 18 and 70.
Key Benefits-
- Axis ACE Credit Card offers 5% cashback on bill payments including internet gas and many more.
- You also get 4 complimentary lounge visits to domestic airports on selected airports.
10. HDFC MoneyBack+ Credit Card:
This card is ideal for people who shop on Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, & Swiggy frequently. Along with these benefits, it offers a 20% discount on partnered restaurants via Swiggy Dineout. HDFC MoneyBack+ Credit Card charges a 500 rupee joining fee and the same annual fee which can be waived if you spend 50,000 rupees or more in a year.
Key Benefits-
- HDFC MoneyBack+ Credit Card offers 10X CashPoints on purchases from Amazon, BigBasket, Flipkart, Reliance Smart SuperStore, & Swiggy with a reward cap of 1000 per month.
- HDFC MoneyBack+ Credit Card offers up to 50 days of interest-free period.
- The card offers a 500 rupee gift voucher if you spend 50000 rupees in this period.
Conclusion:
Finding the best credit card depends on your priorities and lifestyle. The credit cards featured in this article are chosen from a variety of credit card providers which provide a variety of benefits on lifestyle, shopping, travel, etc. These are a few best credit cards for beginners that offer a variety of benefits. You can choose any of them from legacy providers like SBI Credit Card, HDFC Credit Card, AXIS Bank Credit Card, or others to match your requirements. You can apply for these credit cards online or offline.
