Discover the best entry-level credit cards in India. From cashback on shopping to personalized benefits, find the top 5 credit cards perfect for beginners.
If you’re new to credit cards, choosing the right one can feel overwhelming. Entry-level credit cards offer simple benefits, low fees, and accessible eligibility requirements, making them perfect for beginners. Here’s a guide to the top five beginner-friendly credit cards in India, updated with the latest verified information.
COMPARE AND ANALYSE
Top 5 Entry-Level Credit Cards to Start Your Financial Journey
01
IDFC FIRST Millennia Credit Card
Why it’s great for beginners:
This card stands out for being lifetime-free and offering generous rewards on both routine and high-value transactions.
Key Benefits:
- No Fees: Lifetime free; no joining or annual charges
- Rewards:
- 10x reward points on spends above ₹20,000/month and on your birthday.
- 3x points on all other transactions (up to ₹20,000).
- Welcome Offers: ₹500 voucher on spending ₹5,000 within 30 days
- Extras: 4 complimentary railway lounge visits per quarter, 1% fuel surcharge waiver
Best For: Individuals seeking a no-cost card with balanced perks for shopping, travel, and routine spends.
02
Amazon Pay ICICI Credit Card
Why it’s great for beginners:
Perfect for frequent Amazon shoppers, this card offers direct cashback credited to your Amazon Pay balance.
Key Benefits:
- Cashback:
- 5% for Prime members on Amazon purchases.
- 3% for non-Prime members on Amazon purchases.
- 2% cashback on 100+ Amazon Pay partner merchants.
- 1% cashback on all other transactions.
- No Annual Fee: Lifetime free card
- Fuel Benefits: 1% fuel surcharge waiver.
Best For: E-commerce enthusiasts, especially regular Amazon customers.
03
AU Bank LIT Credit Card
Why it’s great for beginners:
The AU Bank LIT Credit Card allows users to customize their benefits, making it highly adaptable to individual lifestyles.
Key Benefits:
- Customization: Enable features like cashback or lounge access via the AU 0101 app.
- Low Fees: ₹499 annual fee, waived on spends above ₹1 lakh
- Welcome Offers: 5% cashback on spends within the first 30 days (up to ₹500).
Best For: Individuals wanting personalized benefits for their spending patterns.
04
SBI SimplySAVE Credit Card
Why it’s great for beginners:
This card is ideal for everyday spending, offering rewards on essentials like groceries and dining.
Key Benefits:
- Rewards:
- 10x reward points on groceries, dining, movies, and department stores.
- 1 reward point for every ₹100 spent on other categories.
- Joining Bonus: ₹500 cashback on spending ₹2,000 within the first 60 days
- Annual Fee: ₹499, waived with annual spends of ₹1 lakh.
- Fuel Benefits: 1% fuel surcharge waiver.
Best For: Those with significant monthly expenses on essentials.
05
Axis Bank ACE Credit Card
Why it’s great for beginners:
The Axis Bank ACE Credit Card is a great option for cashback on popular categories like utilities and food delivery.
Key Benefits:
- Cashback:
- 5% on utility payments (via Google Pay), food delivery apps, and mobile recharges.
- 2% on all other spends.
- Low Annual Fee: ₹499, waived with annual spends above ₹2 lakh.
- Ease of Use: Cashback is directly credited to your statement.
Best For: Beginners who spend frequently on utilities and digital services.
How to Choose the Right Card?
- Understand Your Needs: Do you shop online? Go for Amazon Pay ICICI or Axis ACE.
- Check Fees: Opt for fee-free cards like IDFC FIRST Millennia if cost is a concern.
- Analyze Benefits: Look at the rewards structure—cashback vs. points—based on spending habits.
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