{"id":6746,"date":"2024-09-12T15:51:07","date_gmt":"2024-09-12T10:21:07","guid":{"rendered":"https:\/\/jupiter.money\/blog\/?p=6746"},"modified":"2025-06-18T11:03:16","modified_gmt":"2025-06-18T11:03:16","slug":"best-credit-cards-for-beginners-in-india","status":"publish","type":"post","link":"https:\/\/jupiter.money\/blog\/best-credit-cards-for-beginners-in-india\/","title":{"rendered":"Best Credit Cards for Beginners in India"},"content":{"rendered":"

Getting your first credit card is a big deal. It\u2019s like stepping into the adult world of finances, where you get to make the rules. You\u2019ve probably seen how your parents handle their cards with ease, and now it\u2019s your turn to navigate this new territory.<\/p>\n

So, how do you find the perfect credit card amid all the options? You\u2019re looking for a card that doesn\u2019t just sit in your wallet but actively works for you. Think of rewards, cashback, lounge access, and other perks that make life a little sweeter. But since you’re just starting out, you’ll want something that not only fits your current needs but also helps you build a solid credit history.<\/p>\n

What Are Credit Cards for Beginners?<\/h2>\n

Credit cards<\/a> for beginners are designed to be friendly for those new to credit. They come with lower eligibility criteria, manageable fees, and some pretty nice perks to get you started. These cards help you establish a good credit score, offer reasonable credit limits, and often include welcome bonuses or cashback.<\/p>\n

Here\u2019s a closer look at some of the top credit cards in India that are perfect for newcomers. They\u2019re tailored to fit various spending habits and financial goals, so you can find the one that\u2019s just right for you.<\/p>\n

Best Credit Cards for Beginners<\/h2>\n
\n\n\n\n\n\n\n\n\n\n\n\n
Credit Card<\/strong><\/td>\nJoining Fees<\/strong><\/td>\nAnnual Fee<\/strong><\/td>\nWelcome Benefits<\/strong><\/td>\nCashback Features & Rewards<\/strong><\/td>\n<\/tr>\n
SBI SimplyCLICK Credit Card<\/a> <\/strong><\/td>\n\u20b9499<\/td>\n\u20b9499<\/td>\nAmazon gift voucher worth Rs. 500 on payment of joining fee<\/td>\n\n
    \n
  • – 10X reward points on online spends at top brands like BookMyShow, Dominos, Myntra, etc.<\/li>\n
  • – 5X reward points on other online spends<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
HDFC MoneyBack+ Credit Card<\/a><\/strong><\/td>\n\u20b9500<\/td>\n\u20b9500<\/td>\n500 CashPoints as welcome benefit after the payment of joining fee<\/td>\n\n
    \n
  • -2 CashPoints per Rs. 150 spent on other categories<\/li>\n
  • -Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Axis Ace Credit Card<\/a><\/strong><\/td>\n\u20b9499<\/td>\n\u20b9499<\/td>\n–<\/td>\n\n
    \n
  • -1.5% cashback on other offline & online spends<\/li>\n
  • -4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter<\/li>\n
  • -1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Flipkart Axis Bank Credit Card<\/a><\/strong><\/td>\n\u20b9500<\/td>\n\u20b9500<\/td>\n-Welcome benefit worth Rs. 600 in the form of coupons<\/td>\n\n
    \n
  • 1-% cashback across other spends<\/li>\n
  • -4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year<\/li>\n
  • -1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
HSBC Visa Platinum Card<\/a><\/strong><\/td>\n\u20b90<\/td>\n\u20b90<\/td>\nWelcome bonus in the form of a Rs 500 Amazon voucher upon card activation<\/td>\n\n
    \n
  • – Enjoy 5x rewards on purchases exceeding Rs 15,000, enhancing rewards and savings opportunities.<\/li>\n
  • -Save up to Rs 3,000 annually on fuel surcharges, adding value to everyday expenses<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Citibank cashback Credit Card<\/a><\/strong><\/td>\n\u20b90<\/td>\n\u20b9500<\/td>\nNew cardholders are welcomed with attractive offers, including cashback and vouchers upon card activation, enhancing the card\u2019s overall value proposition.<\/td>\n\n
Amazon Pay ICICI Credit Card<\/a><\/strong><\/td>\n\u20b90<\/td>\n\u20b90<\/td>\nIn addition to the 3 month complimentary Amazon Prime membership the card comes with other activation benefits of up to Rs. 2000.<\/td>\n\n
    \n
  • 5% cashback on Amazon spends for Prime members<\/li>\n
  • 3% cashback on Amazon spends for non-Prime members<\/li>\n
  • 2% cashback on spends at Amazon Pay partner merchants<\/li>\n
  • 1% cashback on other spends<\/li>\n
  • 1% waiver on fuel surcharge across all petrol pumps in India<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n
Cashback SBI Card<\/a><\/strong><\/td>\n\u20b9999<\/td>\n\u20b9999<\/td>\n–<\/td>\n\n
    \n
  • – 5% cashback across all online spends with no merchant restriction<\/li>\n
  • – 1% cashback across all offline spends<\/li>\n
  • – 1% fuel surcharge waiver of up to Rs. 100 per month<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
    \n

    1. SBI SimplyCLICK Credit Card<\/h3>\n
    \n
    \n
    \n
    \n
    \n
    \"Joining<\/div>\n
    \n

    Joining Fees<\/p>\n

    \u20b9499<\/p>\n<\/div>\n<\/div>\n<\/div>\n

    \n
    \n
    \"Lifetime<\/div>\n
    \n

    Annual Fee<\/p>\n

    \u20b9499<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

    \"Best<\/p>\n
    \n

    Welcome Benefits<\/p>\n

    \u20b9500 Amazon gift voucher upon joining fee payment<\/p>\n<\/div>\n<\/div>\n

    \"Best<\/p>\n
    \n

    Minimum Income Requirement<\/p>\n

    \u20b920,000 per month<\/p>\n<\/div>\n<\/div>\n<\/div>\n

    \n
    \"sbi<\/div>\n<\/div>\n<\/div>\n