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Top 10 Best Credit Cards for Beginners in India

The initial step to identifying the best credit cards for beginners is you need to finalize the requirement. For an instance, if you shop regularly online or offline then you must go for a card that provides maximum points on shopping. If you are someone who travels frequently then you must try a card that offers more rewards on traveling and other major benefits such as booking tickets and allows lounge access. Here are the best 10 credit cards for the rookies suggested by our expert team.

Top 10 Credit Cards for Beginners

Citibank Cashback Credit Card– Relying on its name, Citibank Cashback Credit Card offers cashback on all the major transactions done through a credit card. It has an annual fee of INR 500 but there is a joining fee. New Cardholders also get additional savings worth INR 33,00.

  • Get flat 5% cashback when you book movie tickets and pay all the utility bills.
  • Get 0.5% cash back on all other transactions.
  • Get 15% off on dining at all partner restaurants
  • Get a 1% waiver on Fuel expenses at Indian Oil Fuel stations
  • The cashback is credited automatically.

Also Read- How Do Credit Card Companies Make Money

American Express membership Credit Card– The membership Reward credit card is the best example of the best credit cards for the beginners.

  • The card has an annual fee of INR 1,000, it has a renewal fee of INR 4,500 that can be waived by the card issuer if you spend more than 1.5 Lakhs.
  • Get 4,000 bonus membership as a welcome gift
  • Get 20% off her for dining at partner restaurants
  • Get 5,000 reward points when you have renewed it after 2 years.

Standard Chartered Super Value titanium credit card: While most offer cashback and rewards for shopping and travel spends, there are few that do so for fuel spends.

  • It has an annual fee of INR 750 and the renewal fee is also same
  • Get 5% cashback on paying all your utility, phone recharges and on all fuel expenses.
  • On all other expenses, get reward points worth INR 150.
  • Exclusive offers under Standard Chartered Good life programme.
  • Avail add-on credit cards free of cost.

Check Now- How Credit Card Works in India

HSBC Visa Platinum Card– Do annual fees and renewal fee has become your headache? No issues, HSBC Bank offers you HSBC Visa Platinum Card

  • Zero joining and annual fee
  • 2 reward points for every expenditure of INR 150
  • Get 15% off on dining at the partnered restaurants.
  • You can convert all the air miles to book flight tickets.

HDFC Regalia Credit Card– If you are someone who spends money in all areas and likes to be rewarded for all your expenditure then HDFC Regalia Credit is the one you must choose.

  • It has an annual fee and renewal fee of INR 2500 and moreover, the renewal fee can be waived by the credit card issuer if you spend more than 3 Lakh in a year.
  • Get 2,500 reward points when you join and when you renew your card.
  • Get 12 additional lounge access
  • Get air accidental cover and emergency overseas and hospitalization cover as well.
  • There are multiple ways to redeem your points using this credit card.

Check Now- How Credit Card Interest is Calculated

HDFC Bank Diners Club rewards Card– If you travel abroad too often then this is a perfect card for you.

  • It has an annual fee of INR 1000 and the fee is waived by the card issuers if you spend more than INR 1 Lakh
  • Get three reward points on every spend of INR 150 in retail
  • Get 10X reward points on all international spending.
  • Get access to the airport lounge
  • Use your reward points to book flight tickets.

Simply Click Credit Card– This card from SBI offers multiple benefits and reward points.

  • It has an annual of fee INR 499 and this fee can be waived if you spend 1 Lakh on the card.
  • Get a gift voucher worth INR 500 upon joining
  • Get one reward point for every 100 INR spent on the card. Get 5X rewards on online spending.

Read Now- Why Credit Card is Declined

Axis Bank Neo Credit Card– Are you a movie lover or a shopping freak? Then you have your soulmate in Axis Bank Neo Credit Card.

  • It has an annual fee and joining fee of INR 250 or you can spend INR 2500 in the first 45 days to waive the joining fee.
  • Get the reward points for every INR 200 spent on the card.
  • Get a minimum of 15% off dining at a partner restaurant
  • Get a 10% discount at Myntra, Bookmyshow, and a free charge

AmazonPay ICICI Bank Credit Card– For your everyday needs, amazon is the first place for you. If you find yourself spending more money on this e-commerce platform then this is the best credit card for you.

  • There are no joining fees or annual fee
  • Get 5% cashback on all Amazon purchases for prime customers. And for all the cashback becomes 3% for non-prime members.
  • Get 1% cashback on all the other spends.

Also Check- How Credit Card Limit is Decided?

SBI Card Elite – Do you love a luxurious lifestyle? SBI Card Elite is the one for you

  • This card comes with an annual fee of INR 4,999
  • Get two reward points for every 10 spent on the card
  • Get five reward points on dining grocery, and departmental shopping

Conclusion

A credit card is a great way to build and maintain a credit score. If you wisely, then it will be your best companion and helps you to manage your finance better. It is also convenient to make credit card payments online. If you are a beginner and looking for the best credit cards for beginners then you can make a wise choice from the list prepared by the experts.

FAQ’s Related to the Best Credit Card for Beginners

How Old Do You Have to Be to Get a Credit Card?

To get a credit card a minimum of 18 years of age is to apply for one.

Which bank gives credit cards easily?

The easiest to get credit cards are Amazon Pay ICCI Credit Card, HDFC Moneyback Credit Card, YES Prosperity Reward Plus, and Standard Chartered Platinum Card.

Which Bank offers the best credit cards in India?

The above are some best credit cards offered by banks in India. But make sure you are paying dues on time, to avoid a credit trap.

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