Top 10 Best Credit Cards For Beginners In India: Compare & Choose Wisely

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Simran Kaur
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Best Credit Cards For Beginners In India

Credit cards are one of the best-known and probably most-used financing instruments in the world. This is because the application is very simple since you only have to go to your usual bank to get one and the convenience they offer. However, there are currently other alternatives that allow you to obtain a credit card linked to your regular bank account, without the need for excessive paperwork and without having to open a new account. The appearance of these new entities has made the market competition greater, so greater benefits and more advantageous conditions must be offered. That is why countless credit cards have emerged without issuance or maintenance fees, with benefits for their use and discounts for using them in certain establishments.

If you are thinking of owning a credit card for the first time, then here is the list of credit cards. Check with some of their most relevant characteristics, their costs and the advantages they offer.

Best Credit Card For Beginners

1. Axis Ace Credit Card

Axis Ace Credit Card

Axis Ace Credit Card is one of the ideal choices for the beginner because it is user-friendly and meets the needs of entry-level cardholders. It is provided by the Axis Bank.

  • To apply for the Axis Ace Credit Card is very simple and hassle-free. It makes it accessible for the individual who is new to credit cards.

  • It comes with a low annual fee, making it cost-effective for beginners who do not want to spend higher costs on premium cards.

  • It provides 5% cashback on the bill payment and mobile recharges by Google Play

  • It offers 4 complimentary domestic lounge access to the cardholder in a year.

  • It gives a 1% fuel surcharge on fuel purchases across India.

  • It gives reward points on every purchase of groceries, clothes, etc.

  • It ensures safety and security with EMV chip technology.

  • Axis Bank provides excellent customer service, offering assistance and support to cardholders whenever needed.

2. SBI Card Elite

SBI Card Elite

SBI Card Elite is also an excellent choice for the beginner. It is provided by the State Bank Of India to everyone who wants a credit card for the first time.

  • Applying for an SBI Card Elite is straightforward. Just apply online or visit nearby SBI branches to get a new SBI credit card
  • It has a reasonable annual fee of 4,999. It is a one-time payment.
  • This card comes with a welcome e-gift voucher worth 5000 on activation of the card, which is eligible on Yatra, Hush Puppies, Bata, Pantaloons, etc.
  • It provides free movie tickets worth 6000 per year to the cardholder.
  • It provides rewards on every purchase. On spending 12,500 per year, cardholders can earn up to 50000 bonus reward points
  • It offers 5x reward points on department grocery and dining bills.
  • It gives 6 complimentary international airport lounge access in a year.
  • It also provides 2 complimentary domestic airport lounge access in a year

3. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card 

Flipkart Axis Bank Credit Card is a co-branded credit card by Axis Bank and Flipkart. It is a popular choice for the one who wants to use a credit card for shopping.

  • It is easy to apply. Just apply for it from the Flipkart App.
  • It comes with no annual fee, it is a very affordable choice for the beginner who wants to start using a credit card.
  • On the first transaction, the Flipkart Axis Bank Credit Card gives a Flipkart voucher worth Rs 500, which you can use to place an order only on the Flipkart app.
  • An instant 50% discount on the 1st Swiggy order, if you pay through the Flipkart Axis Bank Credit Card.
  • A welcome benefit of Rs 600 will be credited to activating the Flipkart Axis Bank Credit Card.
  • There is unlimited 5% cash back on Flipkart spending with a card.
  • It comes with 4 complimentary airport lounge access in a year.
  • As said, it is easy to apply, just enter your details with PAN to approve the request.

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4. HSBC Visa Platinum Card

The HSBC Visa platinum card is also easy to use for beginners. It can be the first step to enter the incredible experience of shopping. It is provided by the HSBC personal bank.

  • It is ideal for beginners because there is no joining fee and no annual fees.
  • It provides a 5x reward on purchases of 15000 or more.
  • It helps to save up to 3000 on the fuel surcharge in a year.
  • The HSBC Visa Platinum card comes with a welcome bonus, which is an Amazon voucher for 500.
  • There is high safety and security to hold the card.
  • Zero liability for lost cards is also applied. If you lose your card, then you have no liability for transactions made after reporting and registering the loss of the card with the team.
  • There is an option for emergency card replacement on the call.
  • It is travel-friendly. It comes with free airport lounge access and travel insurance coverage as well as discounts on flights and hotels.

5. Citibank cashback Credit Card

Citibank cashback credit card is popular for beginners due to its cashback rewards. It provides many benefits to the cardholders.

  • Its primary benefit is the cashback rewards program. Cardholders can earn cashback on every transaction of groceries, dining, fuel, etc. It gives 5% cash back on telephone and utility bill payments and 0.5% cashback on all transactions.
  • Its cashback is an auto credit statement of Rs 500. Its automatic redemption is also attractive.
  • It provides welcome offers to the new cardholders, which include cashback and vouchers on activating the card. These features add extra value to the card.
  • There are no annual fees required on the Citibank cashback credit card. Beginners can get it and use it without any fees. It is cost-effective for all.
  • It provides contactless payment technology to the new credit cardholders. Just pay and pay your bills with it.

6. Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit Card is a co-branded credit card by ICICI Bank and Amazon Pay. It is also a popular card among the people.

  • To get an Amazon Pay ICICI Credit Card, apply on the Amazon app. It is very easy to get for the beginners.
  • There is no joining fee or annual fee to pay. It is cost-effective.
  • Amazon Pay ICICI Credit Card gains attraction due to its reward program. It provides rewards on purchases from Amazon, which can later be used for shopping.
  • It provides 5% cashback on transactions made on Amazon for Amazon Prime membership.
  • For non-amazon Prime members, it provides 3% cashback on every transaction on Amazon.
  • On paying with Amazon pay, its gives additional cashback of 2%,
  • Besides cashback, it also gives attractive welcome offers in the form of cashback for Amazon vouchers. It added immediate value to the card.
  • It provides a contactless payment option to the cardholders who are new to it.

7. Standard Chartered Super Value Titanium Credit Card

Standard Chartered super value titanium credit card is ideal for day-to-day expenses. It is popular for cashback and rewards points among the cardholders.

  • Standard Chartered super value titanium credit cards provide up to 5% cashback on the fuel. Fuel cashback is eligible on the fuel station up to 200 per month.
  • It provides 5% cashback on phone bills. it is eligible for the transaction of more than 750. The maximum cashback available per month is 200.
  • Standard Chartered super value titanium credit cards also provide 5% cashback on utility bills, eligible on transactions of 750 or more. It gives cashback of a maximum of 100
  • Its reward program is also famous. It gives a reward on every purchase of 150 with a credit card. Reward points can be redeemed for vouchers, discounts, etc.
  • t gives secure online payment as well as contactless credit card options to new cardholders.

8. Simply CLICK SBI Card

Simply CLICK SBI card is a popular card provided by the State Bank Of India. It is ideal for online shopping, financing and utility bill payment.

  • It is an affordable credit card. It charges 499 one-time as an annual fee with 499 as a renewal fee.
  • SimplyCLICK SBI card gives a welcome gift on the activation of the card. Get an Amazon gift card of 500 as a welcome gift.
  • It provides 10x reward points on purchasing on Apollo, BookMyShow, Dominos, Myntra, Swiggy, etc and 5x reward points on all online transactions.
  • On reaching a milestone of 1 lakh or 2 lakh, it gives an e-Voucher worth 2000 to the cardholders.
  • SimplyCLICK SBI card gives a 1% fuel surcharge waiver on the transaction of 500 and more.
  • It gives contactless open to the cardholder as well as better security. All transactions are secure with it.
  • Additional benefits like purchase protection, extended warranty coverage, and fraud liability cover for online transactions give peace of mind to the new cardholders.

9. Axis Bank Neo Credit Card

Axis Bank Neo credit card is a special credit card for people. It is famous for lifestyle benefits including discounts on dining, shopping, entertainment, and more.

  • Axis Bank Neo credit card provides a 40% discount on the Zomato app with the “AXISNEO” coupon code. It gives a maximum discount of 120. Discount is eligible only twice a month.
  • It gives 5% off on bill payments via the Amazon Pay app. Get up to 150 off on the mobile recharge, DTH recharge, etc. It is eligible once a month only.
  • Axis Bank Neo credit card also gives 10% off Blinkit, Myntra and movie tickets on BookMyShow.
  • It gives security with chip and PIN protection to every cardholder.
  • It offers Edge Rewards points, which can be redeemed as a voucher or offer. For every spend of 200, it gives 1 point.
  • As an activation benefit, it gives 100% on paying the first utility bill in the first 30 days. Cashback is eligible for 300 only.

10. Cashback SBI Card

Cashback SBI Card is popular among cardholders and ideal for the beginner to get several cashbacks. It says welcome to the world of amazing cashback, that is why it is named Cashback card provided by the State Bank of India.

  • It provides several cashbacks on its transaction to the cardholder. It gives 5% cashback on online transactions on most brands as well as 1% cashback on offline spending.
  • It gives a hassle-free experience to beginners.
  • Earning cashback will auto-credit to the bank after two days of your next statement generation.
  • It provides a 1% Fuel Surcharge Waiver on all petrol pumps in India.
  • It is affordable. Just pay 999 as a joining fee. For renewal, 999 next year. You are eligible for renewal if you spend 200,000 in the first year.
  • It also gives spend-based reversal.
  • Cashback SBI Card is a contactless card with fast and convenient purchases. It also gives better security and reduces card loss and fraud.

FAQs:-

  1. Question: How can I apply for these credit cards?
    Answer: You can apply online through the bank’s website or visit the nearest branch for assistance.
  2. Question: Do these cards have annual fees?
    Answer: Some cards have minimal or no annual fees, while others may have a one-time or yearly fee.
  3. Question: What are the rewards and benefits offered?
    Answer: Rewards may include cashback, discounts on shopping, dining, and travel, along with welcome gifts and lounge access.
  4. Question: Are there any eligibility criteria for beginners?
    Answer: Basic eligibility includes age, income, and credit score requirements, usually specified by the bank.
  5. Question: How can I make payments and manage my credit card account?
    Answer: Payments can be made online through net banking, mobile apps, or at bank branches. Account management is convenient through online portals.
  6. Question: Is there a grace period for bill payments?
    Answer: Yes, most credit cards offer a grace period, typically ranging from 20 to 50 days, during which no interest is charged on purchases.
  7. Question: Can I upgrade my beginner credit card to a premium one?
    Answer: Yes, banks often provide upgrade options based on your credit history, usage patterns, and eligibility criteria.
  8. Question: What should I do if my credit card is lost or stolen?
    Answer: Immediately report the loss to the bank’s customer service helpline to block the card and prevent unauthorized transactions.
  9. Question: How can I build a good credit score with these cards?
    Answer: Use your credit card responsibly by making timely payments, staying within your credit limit, and avoiding unnecessary debt.
  10. Question: Are there any additional fees or charges I should be aware of?
    Answer: Apart from annual fees, watch out for charges like late payment fees, cash advance fees, and foreign transaction fees, which may apply in certain situations.

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