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11 Best Credit Cards for Beginners in India

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Table of Contents:


  1. Introduction
  2. Axis Ace Credit Card
  3. SBI SimplyCLICK Credit Card
  4. Standard Chartered Super Value Titanium Credit Card
  5. HSBC Visa Platinum Card
  6. Axis Bank Neo Credit Card
  7. AmazonPay ICICI Bank Credit Card
  8. SBI Card Elite
  9. Flipkart Axis Bank Credit Card
  10. Cashback SBI Card
  11. Amazon Pay ICICI Credit Card
  12. Citibank Cashback Credit Card
  13. Conclusion


The Ultimate Guide for Choosing the Best Credit Cards for Beginners


Are you new to the world of credit cards and wondering which one to choose? With a plethora of options available in the market, it can be overwhelming to find the right fit, especially for beginners. Fear not, as we’ve curated a list of the top credit cards for beginners in India, catering to various needs and preferences. Whether you’re looking for cashback rewards, shopping perks, or simply building your credit history, there’s a card tailored just for you.


  1. Axis Ace Credit Card: As one of the top credit cards for beginners, the Axis Ace Credit Card offers a host of benefits including accelerated rewards on dining, shopping, and utility bill payments. With its easy application process and beginner-friendly features, it’s an excellent choice for those stepping into the world of credit.

Key Features

  • 5% cashback on utility bill payments, DTH, and mobile recharges via Google Pay
  • 4% cashback on Swiggy, Zomato and Ola
  • Unlimited 2% cashback on all other spends, except fuel
  • 4 complimentary domestic airport lounge visits in a year
  • Annual fee waived off on annual spends of Rs. 2 lakh or above
  • 1% fuel surcharge waiver up to Rs. 500


  1. SBI SimplyCLICK Credit Card: Designed for online shoppers, the SBI SimplyCLICK Credit Card is perfect for beginners who frequently make purchases on e-commerce platforms. Earn accelerated rewards on online spending, along with milestone benefits that make it one of the best credit cards for beginners in India.

Key Features

  • Amazon voucher worth Rs. 500 on joining fee payment
  • 10X reward points on online partners – BookMyShow, Cleartrip, Swiggy, Apollo 24×7, Dominos, Myntra, Netmeds & Yatra
  • 5X reward points on all other online spends
  • 1 reward point per Rs. 100 spent on others purchases
  • 1 reward point = Rs. 0.25
  • Annual fee waived off on annual spends of Rs. 1 lakh or above
  • Cleartrip/Yatra e-voucher worth Rs. 2,000 on reaching each annual spending milestone of Rs. 1 lakh and Rs. 2 lakh
  • 1% fuel surcharge waiver up to Rs. 100 per month for fuel spends between Rs. 500 and Rs. 3,000


  1. Standard Chartered Super Value Titanium Credit Card: If you’re looking for a card that offers great value on everyday expenses, look no further than the Standard Chartered Super Value Titanium Credit Card. Enjoy cashback on fuel, utility bills, and dining, making it an ideal choice for beginners seeking rewards on essential expenditures.

Key Features

  • it has an annual fee of ₹750, and the renewal fee is also ₹750.
  • get 5% cashback on paying utility bills, phone recharges and fuel spends.
  • on all other expenditures, get one reward point for every ₹150 spent.
  • exclusive offers under the Standard Chartered Good Life program.
  • get add-on credit cards free of cost.


  1. HSBC Visa Platinum Card: With its wide acceptance both domestically and internationally, the HSBC Visa Platinum Card is a versatile option for beginners. Enjoy exclusive privileges such as dining discounts, fuel surcharge waivers, and rewards on every spend, making it one of the good credit cards for beginners.

Key Features

  • it has zero joining, annual, and renewal fees.
  • get two reward points for every ₹150 spent on the card.
  • get 15% off for dining at partner restaurants.
  • convert air miles to book flight tickets.
  • get more rewards and offers upon spending more on the card.


  1. Axis Bank Neo Credit Card: Tailored for the tech-savvy generation, the Axis Bank Neo Credit Card is perfect for beginners who prefer digital payments. With its attractive rewards program and benefits on movie bookings and mobile recharges, it’s a popular choice among young professionals and students.
  • it has an annual fee and joining fee of ₹250. spend ₹2,500 in the first 45 days to waive the joining fee. 
  • get two reward points for every ₹200 spend on the card.
  • get a minimum of 15% off on dining at partner restaurants.
  • get 10% discount at Myntra, Akbar Travels, BookMyShow and Freecharge.


  1. AmazonPay ICICI Bank Credit Card: Combining the power of Amazon and ICICI Bank, this credit card offers lucrative rewards and discounts on Amazon purchases, along with benefits on other categories. For beginners who are frequent shoppers on Amazon, this card is a no-brainer.

Key Features

  • there are no joining fees or annual fees.
  • get 5% cashback on all Amazon purchases for Prime customers. the cashback becomes 3% for non-Prime members.
  • get 2% reward points for bill payments and recharges.
  • get 1% cashback on all other spends.


  1. SBI Card Elite: While it may seem like an advanced option, the SBI Card Elite is surprisingly beginner-friendly with its impressive rewards structure and lifestyle privileges. From complimentary movie tickets to airport lounge access, this card offers a taste of luxury without compromising on accessibility.

Key Features

  • 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.


  1. Flipkart Axis Bank Credit Card: Targeted towards avid Flipkart shoppers, this credit card offers unparalleled benefits on Flipkart spending, along with rewards on dining and entertainment. Beginners looking to maximize their savings on online shopping will find this card particularly appealing.

Key Features

  • 5% unlimited cashback on Flipkart
  • 4% cashback on PVR, Swiggy, Tata Play,, Cleartrip and other preferred merchants
  • 1% cashback across all other spends
  • 1% cashback on Flipkart Health and Flight & Hotel payments on Flipkart
  • 4 complimentary domestic airport lounge visits in a year


  1. Cashback SBI Card: As the name suggests, the Cashback SBI Card is all about rewarding users with cashback on their everyday expenses. With its straightforward rewards program and attractive cashback rates, it’s an excellent choice for beginners looking to save on their purchases.

Key Features

  • 5% cashback across all online spending with no merchant restrictions
  • 1% cashback across all offline spends
  • Cashback will be auto-credited into the statements within 2 days of statement generation
  • No cashback on fuel, utility bills, jewelry, insurance, EMIs, rent, wallet reload, etc.
  • 1% fuel surcharge waiver of up to Rs. 100 per month


  1. Amazon Pay ICICI Credit Card: Similar to its counterpart mentioned earlier, the Amazon Pay ICICI Credit Card offers exclusive rewards and benefits on Amazon purchases, making it a sought-after option for beginners who are frequent shoppers on the platform.

Key Features

  • 5% cashback on Amazon spends for Prime members
  • 3% cashback on Amazon spends for non-Prime members
  • 2% cashback on spends at Amazon Pay partner merchants
  • 1% cashback on other spends
  • 1% waiver on fuel surcharge across all petrol pumps in India


  1. Citibank Cashback Credit Card: Rounding off our list of the best credit cards for beginners is the Citibank Cashback Credit Card, known for its generous cashback rewards across various categories. Whether it’s dining, groceries, or fuel, this card ensures that beginners earn rewards on every spend.

Key Features

  • 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.


Choosing the right credit card as a beginner can set the foundation for a healthy financial journey. Whether you prioritize rewards, discounts, or convenience, there’s a card tailored to meet your needs. Remember to compare the features, fees, and rewards of each card before making a decision. With the top credit cards for beginners outlined above, you’re well-equipped to embark on your credit card journey with confidence.


Meet Anuj, a young professional who has never owned a credit card but is now eager to get one to build his credit history and manage his finances better. While reading the blog, he learns about different credit card options for beginners, detailing their features and benefits, including rewards, cashback, and low interest rates. Now he wants to find a suitable credit card for himself and came across BharatNXT. Anuj can easily apply for a credit card through this platform and enjoy additional benefits like seamless business payments and expense tracking. Intrigued by the convenience and extra perks, Anuj decides to apply for his first credit card via BharatNXT. He is confident that this step will help him manage his finances more effectively and unlock new opportunities for financial growth.


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