Top 10 Best Credit Cards For Beginners In India, Compare & How to Apply Online?

Top 10 Best Credit Cards For Beginners In India:- Credit cards have become an indispensable financial tool in today’s world. They offer convenience, security, and rewards when used responsibly. For beginners stepping into the world of credit cards, choosing the right one can be overwhelming. With a plethora of options available in the Indian market, it’s crucial to compare and choose wisely. Here’s a curated list of the top 10 best credit cards for beginners in India, offering a blend of benefits tailored to suit various lifestyles and spending habits.

Best Credit Cards For Beginners

Credit cards stand as one of the most widely recognized and utilized financial tools globally. Their popularity stems from the simplicity of the application process, typically involving a visit to one’s regular bank, and the convenience they afford. Yet, in the current landscape, there exist alternatives enabling individuals to secure a credit card directly linked to their existing bank account, eliminating excessive paperwork and the need to open a new account.

Top 10 Best Credit Cards

The emergence of these new entities has intensified market competition, compelling providers to offer greater benefits and more advantageous conditions. Consequently, a multitude of credit cards has surfaced, many devoid of issuance or maintenance fees, boasting perks for their usage and discounts at specific establishments. For those contemplating owning a credit card for the first time, below is a compilation of credit cards to consider. Delve into their key characteristics, costs, and the advantages they extend to aid in your decision-making process.

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Best Credit Cards For Beginners Overview

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List of 10 Best Credit Cards For Beginners in India

  • Axis Ace Credit Card
  • SBI Card Elite
  • Flipkart Axis Bank Credit Card
  • HSBC Visa Platinum Card
  • Amazon Pay ICICI Credit Card
  • Standard Chartered Super Value Titanium Credit Card
  • Simply CLICK SBI Card
  • Axis Bank Neo Credit Card
  • Cashback SBI Card

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Axis Ace Credit Card

The Axis Ace Credit Card emerges as an optimal selection for beginners, tailored to cater to the needs of entry-level cardholders. Issued by Axis Bank, it stands out for its user-friendly features and accessibility.

Applying for the Axis Ace Credit Card is a straightforward and hassle-free process, ensuring accessibility for individuals new to credit cards. Moreover, its low annual fee makes it a cost-effective option for beginners who prefer to avoid higher costs associated with premium cards.

Key highlights of the Axis Ace Credit Card include:

  • 5% cashback on bill payments and mobile recharges via Google Play, offering instant savings on essential expenses.
  • Four complimentary domestic lounge access visits annually, enhancing the cardholder’s travel experience with added comfort and convenience.
  • 1% fuel surcharge waiver on fuel purchases nationwide, providing relief at the pump.
  • Reward points accrual on every purchase, including groceries and clothing, maximizing benefits with every transaction.
  • Enhanced safety and security ensured through EMV chip technology, safeguarding against unauthorized transactions.
  • Access to Axis Bank’s exemplary customer service, delivering prompt assistance and support to cardholders as needed.

In essence, the Axis Ace Credit Card combines convenience, affordability, and a range of benefits, making it an attractive choice for beginners venturing into the world of credit cards.

SBI Card Elite

The SBI Card Elite presents itself as an exceptional choice for beginners, offered by the State Bank of India to individuals seeking their first credit card. Acquiring an SBI Card Elite is a straightforward process, allowing applicants to apply online or visit nearby SBI branches for seamless card issuance.

Key features of the SBI Card Elite include:

  • A reasonable annual fee of INR 4,999, payable as a one-time charge.
  • Upon card activation, cardholders receive a welcome e-gift voucher valued at INR 5,000, redeemable at select partners such as Yatra, Hush Puppies, Bata, and Pantaloons.
  • Enjoy complimentary movie tickets worth INR 6,000 annually, enhancing the entertainment experience.
  • Earn rewards on every purchase, with the opportunity to accumulate up to 50,000 bonus reward points upon spending INR 12,500 per year.
  • Avail 5x reward points on department store, grocery, and dining expenditures, maximizing rewards on everyday essentials.
  • Benefit from six complimentary international airport lounge accesses and two complimentary domestic airport lounge accesses annually, elevating the travel experience with added comfort and convenience.

In summary, the SBI Card Elite offers a host of benefits and rewards, coupled with a reasonable annual fee, making it an attractive choice for beginners stepping into the realm of credit cards.

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Flipkart Axis Bank Credit Card

The Flipkart Axis Bank Credit Card, a collaboration between Axis Bank and Flipkart, stands out as a favored option for those seeking a credit card tailored for shopping purposes.

Here are the key features of the Flipkart Axis Bank Credit Card:

  • Convenient application process through the Flipkart App, ensuring ease of access for prospective users.
  • No annual fee, making it an affordable choice for beginners venturing into credit card usage.
  • Upon the first transaction, the card rewards users with a Flipkart voucher worth Rs 500, redeemable exclusively on the Flipkart app.
  • Enjoy an instant 50% discount on the first Swiggy order when payment is made using the Flipkart Axis Bank Credit Card.
  • Upon activation, a welcome benefit of Rs 600 is credited to the cardholder’s account, enhancing the initial experience.
  • Avail unlimited 5% cashback on Flipkart spending, maximizing savings with every purchase.
  • Enjoy four complimentary airport lounge accesses annually, adding comfort and convenience to travel experiences.
  • Seamless application process requiring only basic details and PAN for approval, ensuring a hassle-free experience for applicants.

In essence, the Flipkart Axis Bank Credit Card combines affordability, convenience, and exclusive benefits, making it an attractive option for beginners looking to embark on their credit card journey.

HSBC Visa Platinum Card

The HSBC Visa Platinum Card offers a seamless entry into the world of shopping for beginners, provided by HSBC Personal Bank.

Here are the notable features of the HSBC Visa Platinum Card:

  • No joining fee or annual fees, making it an ideal choice for beginners seeking affordability and simplicity.
  • Enjoy 5x rewards on purchases exceeding Rs 15,000, enhancing rewards and savings opportunities.
  • Save up to Rs 3,000 annually on fuel surcharges, adding value to everyday expenses.
  • Receive a welcome bonus in the form of a Rs 500 Amazon voucher upon card activation.
  • Benefit from robust safety and security measures, ensuring peace of mind for cardholders.
  • Zero liability for lost cards, offering protection against unauthorized transactions post-reporting loss.
  • Option for emergency card replacement via phone call, ensuring uninterrupted usage during unforeseen circumstances.
  • Travel-friendly features include complimentary airport lounge access, travel insurance coverage, and discounts on flights and hotels, enhancing the travel experience.

In essence, the HSBC Visa Platinum Card offers a user-friendly experience coupled with valuable benefits, making it an excellent choice for beginners venturing into the world of credit cards.

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Citibank cashback Credit Card

The Citibank Cashback Credit Card stands out as a popular choice among beginners, primarily for its lucrative cashback rewards program and array of benefits tailored for cardholders.

Here’s a breakdown of its key features:

  • The highlight of the card is its cashback rewards program, allowing cardholders to earn cashback on various transactions, including groceries, dining, and fuel. It offers a generous 5% cashback on telephone and utility bill payments, along with 0.5% cashback on all other transactions.
  • Cashback rewards are conveniently auto-credited to the statement, ensuring seamless redemption. Additionally, the automatic redemption feature adds to its allure, simplifying the rewards process for users.
  • New cardholders are welcomed with attractive offers, including cashback and vouchers upon card activation, enhancing the card’s overall value proposition.
  • The Citibank Cashback Credit Card imposes no annual fees, making it a cost-effective option for beginners to acquire and utilize without any additional financial burden.
  • Incorporating contactless payment technology, the card offers added convenience and security to new credit cardholders, facilitating swift and secure transactions.

In summary, the Citibank Cashback Credit Card combines enticing rewards, welcome offers, and cost-effectiveness, making it an appealing choice for beginners seeking a rewarding and hassle-free credit card experience.

Amazon Pay ICICI Credit Card

The Amazon Pay ICICI Credit Card, a collaboration between ICICI Bank and Amazon Pay, enjoys widespread popularity among consumers for its seamless integration with the Amazon ecosystem and attractive benefits.

Here’s a breakdown of its key features:

  • Acquiring an Amazon Pay ICICI Credit Card is effortless; simply apply through the Amazon app, offering beginners a convenient pathway to ownership.
  • The card does not entail any joining fee or annual fee, ensuring it remains a cost-effective choice for users.
  • A standout feature of the card is its robust reward program, offering rewards on purchases made on Amazon, which can later be redeemed for shopping.
  • Enjoy 5% cashback on transactions made on Amazon for Amazon Prime members, while non-Prime members receive 3% cashback on every Amazon transaction. Additionally, paying with Amazon Pay provides an extra 2% cashback.
  • In addition to cashback rewards, the card offers attractive welcome offers in the form of cashback or Amazon vouchers, providing immediate value upon card activation.
  • Incorporating contactless payment technology, the card offers a convenient and secure payment option for new cardholders, ensuring hassle-free transactions.

In summary, the Amazon Pay ICICI Credit Card combines accessibility, cost-effectiveness, and a rewarding experience, making it an appealing choice for beginners seeking a credit card integrated with their Amazon shopping experience.

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Standard Chartered Super Value Titanium Credit Card

The Standard Chartered Super Value Titanium Credit Card is tailored for day-to-day expenses and is highly favored among cardholders for its cashback and rewards points program.

Here’s a breakdown of its key features:

  • Enjoy up to 5% cashback on fuel purchases, applicable at fuel stations, with a maximum cashback of Rs. 200 per month.
  • Avail 5% cashback on phone bills for transactions exceeding Rs. 750, with a monthly cashback cap of Rs. 200.
  • Benefit from 5% cashback on utility bills for transactions exceeding Rs. 750, with a maximum cashback of Rs. 100 per month.
  • The card’s reward program is renowned, offering rewards on every purchase of Rs. 150 made with the credit card. These reward points can be redeemed for vouchers, discounts, and more.
  • Additionally, the card ensures secure online payments and provides contactless credit card options to new cardholders, enhancing convenience and security for transactions.

In summary, the Standard Chartered Super Value Titanium Credit Card offers a comprehensive suite of benefits, including cashback on essential expenses and a rewarding loyalty program, making it an ideal choice for those seeking value and convenience in their day-to-day spending.

Simply CLICK SBI Card

The Simply CLICK SBI Card, offered by the State Bank of India, is renowned for its suitability for online shopping, financing, and utility bill payments.

Here’s a detailed look at its key features:

  • Affordable pricing: The card comes with a one-time annual fee of Rs. 499, with a renewal fee of the same amount, making it a budget-friendly choice for users.
  • Welcome gift: Upon card activation, cardholders receive a welcome gift in the form of a Rs. 500 Amazon gift card, adding immediate value to the card.
  • Reward points: Enjoy 10x reward points on purchases made at select partners such as Apollo, BookMyShow, Dominos, Myntra, Swiggy, and more. Additionally, earn 5x reward points on all online transactions, maximizing rewards potential.
  • Milestone benefits: Reach spending milestones of Rs. 1 lakh or Rs. 2 lakhs to receive an e-Voucher worth Rs. 2000, rewarding cardholders for their usage.
  • Fuel surcharge waiver: Benefit from a 1% fuel surcharge waiver on transactions of Rs. 500 and above, offering savings on fuel expenses.
  • Contactless payment: The card offers contactless payment technology, ensuring swift and secure transactions for cardholders, along with enhanced security measures for peace of mind.
  • Additional benefits: Enjoy added benefits such as purchase protection, extended warranty coverage, and fraud liability cover for online transactions, further enhancing the card’s value proposition.

In summary, the Simply CLICK SBI Card combines affordability, rewarding features, and enhanced security, making it an ideal choice for those seeking a versatile credit card for their online shopping and everyday transactions.

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Axis Bank Neo Credit Card

The Axis Bank Neo Credit Card stands out as a special offering catering to a diverse range of lifestyle benefits, including discounts on dining, shopping, entertainment, and more.

Here’s a closer look at its key features:

  • Zomato discount: Enjoy a 40% discount on the Zomato app using the “AXISNEO” coupon code, with a maximum discount of Rs. 120 per transaction. This discount is applicable twice a month.
  • Amazon Pay offer: Avail a 5% discount on bill payments made via the Amazon Pay app, with savings of up to Rs. 150 on mobile and DTH recharge. This offer is valid once a month.
  • Additional discounts: Benefit from a 10% discount on Blinkit, Myntra, and movie tickets booked through BookMyShow, enhancing savings across various categories.
  • Security features: Each cardholder enjoys chip and PIN protection, ensuring enhanced security for transactions.
  • Edge Rewards points: Earn Edge Rewards points on every spend, with 1 point awarded for every Rs. 200 spent. These points can be redeemed as vouchers or special offers.
  • Activation benefit: Receive a 100% cashback on the first utility bill payment made within the first 30 days of card activation, with cashback capped at Rs. 300.

In summary, the Axis Bank Neo Credit Card offers a comprehensive array of lifestyle benefits, combined with security features and activation benefits, making it an attractive choice for individuals seeking a versatile credit card tailored to their lifestyle needs.

Cashback SBI Card

The Cashback SBI Card is highly favored among cardholders and serves as an ideal choice for beginners seeking to maximize their cashback rewards. Offered by the State Bank of India, it welcomes users to a world of amazing cashback opportunities.

Key features of the Cashback SBI Card include:

  • Generous cashback rewards: Enjoy 5% cashback on online transactions across most brands, along with 1% cashback on offline spending, enhancing savings on various purchases.
  • Hassle-free experience: The card offers a seamless and straightforward experience for beginners, ensuring ease of use and convenience.
  • Automatic cashback crediting: Cashback earned is automatically credited to the bank account after two days of the next statement generation, simplifying the rewards process for users.
  • Fuel surcharge waiver: Benefit from a 1% fuel surcharge waiver on all petrol pump transactions in India, providing additional savings on fuel expenses.
  • Affordable pricing: The joining fee for the Cashback SBI Card is Rs. 999, with a renewal fee of the same amount for the subsequent year. Users are eligible for renewal if they spend Rs. 200,000 in the first year, making it a cost-effective option.
  • Spend-based reversal: The card offers spend-based reversal, further enhancing affordability and value for users.
  • Contactless technology: Enjoy the convenience of contactless card transactions, ensuring fast and secure purchases while reducing the risk of card loss and fraud.

In summary, the Cashback SBI Card offers a compelling combination of generous cashback rewards, affordability, and enhanced security features, making it an excellent choice for beginners looking to maximize their savings and enjoy a hassle-free credit card experience.

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Conclusion

In conclusion, choosing the right credit card is essential for beginners to embark on a journey towards financial freedom. The top 10 credit cards for beginners in India offer a diverse range of benefits, from cashback rewards to lifestyle perks. By comparing and selecting wisely based on individual preferences and spending habits, beginners can unlock the full potential of their credit cards while building a solid financial foundation for the future. Choose wisely and enjoy the journey towards financial empowerment.

FAQ’s

Which is the easiest credit card to get in India?

The HSBC Visa Platinum Card offers simplicity for beginners, serving as a gateway to the world of shopping. Provided by HSBC Personal Bank, it stands out for its user-friendly features. With no joining or annual fees, it's an ideal choice for newcomers, making shopping experiences accessible and enjoyable from the start.

Which credit card is most accepted in India?

Credit cards, particularly Mastercard and Visa, are gaining widespread acceptance across cafes, shops, restaurants, and hotels in India. However, cash remains predominant, particularly in areas outside major cities like Kolkata, Delhi, and Mumbai.

Which is a good credit card to start with?

Why We Like It: The Chase Freedom Rise stands out as the top choice for beginners due to its combination of above-average rewards, below-average costs, and simplicity, making it ideal for those just starting their credit journey. Earn 1.5% cash back on all purchases while enjoying the benefit of a $0 annual fee.

Which credit card is used the most?

Among the four primary types of credit cards—Visa, Mastercard, American Express, and Discover—Visa stands out as the most prevalent, comprising 58.3% of cards currently in circulation.

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