5 Best Credit Cards Recommended for Beginners in India

5 Best Credit Cards For Beginners In India

It is undeniable that credit cards come with multiple advantages such as rewards, cashback, lounge access, exclusive discounts, and more. The majority of cards with worthwhile perks require a high membership fee and are typically available to individuals with a strong credit history. Nevertheless, there are cards specifically designed for beginners.

You can apply for a basic credit card that provides good value for a reasonable fee if you are searching for one. These cards are most suitable for individuals who have just started their credit card journey. We have compiled a list of the 5 Best credit cards recommended for beginners in India that provide different advantages to cardholders and that might help you understand the right choice of a credit card.

1. Amazon Pay ICICI Credit Card

Amazon Pay Credit Card in collaboration with ICICI is an all time free Credit Card that provides a wide range of cashbacks via Amazon purchases. If you are looking for the best credit card in India then this card serves the purpose as this one is lifetime free.

Benefits:

• Annual Fee: Nil

• Category: Lifetime Free

• Prime members can receive a 5% cashback when making purchases on Amazon.

• Non-Prime members receive a 3% cashback on their Amazon purchases.

• 2% cashback available for purchases made through Amazon Pay at select merchant partners.

• 1% cashback is offered on all other purchases.

• Cashback earned will be credited as Amazon Pay balance.

• Fuel Discount: 1% discount on fuel surcharge at all petrol pumps in India.

Click Here To Instant Apply for the Amazon Pay ICICI Credit Card

2. Flipkart Axis Bank Credit Card

One of the best credit cards for beginners in India for cashback on online purchases is the Flipkart Axis Bank Credit Card. With up to 5% cashback, Flipkart and its partner retailers stand to gain the most from the card. Flipkart Axis Bank Credit Card has no capping on earned cashback.

 Benefits: 

• Annual Fee: Rs.500

• Category: Shopping

• Welcome Benefits: Get Rs.600 as Welcome Benefits upon Card Issue.

• Rewards Rate: 5% cashback on Flipkart, 4% cashback on selected partners (Swiggy, Uber, PVR, and cult.fit) and 1% cashback on all other purchases.

• Travel: 4% cashback on Uber rides.

• Domestic Lounge: 1 complimentary pass to the domestic airport lounge quarterly.

• Dinner & Entertainment: 15% discount at participating eateries through Axis Bank's special Dining Delights program.

Click Here To Instant Apply for the Flipkart Axis Bank Credit Card.

3. SBI Simply CLICK Credit Card

If you are thinking about which bank credit card is best? And looking for the best credit card offers, then Simply CLICK Credit Card from SBI is among the top 5 online shopping credit cards in 2024 that provide various rewards in its category.

Benefits:

• Annual Fee: Rs 499.

• Category: Rewards

• 500 rupee Amazon coupon after paying the membership cost.

• BookMyShow, Cleartrip, Swiggy, Apollo 24x7, Dominos, Myntra, Netmeds, and Yatra are among the online partners that provide 10X reward points.

• 5x reward points for any additional online purchases.

• Every Rs.100 spent on other purchases earns you 1 reward point.

• 1 reward point = Rs.0.25.

• Cleartrip/Yatra e-voucher of Rs.2,000 is awarded at achieving each yearly expenditure of Rs.1 lac and Rs.2 lac, with the annual charge waived on amounts beyond Rs.1 lac.

• 1% fuel surcharge remission for petrol purchases between Rs.500 and Rs.3,000 per month, up to Rs.100.

Click Here to Instant Apply for the SBI Simply CLICK Credit Card

4. Swiggy HDFC Bank Credit Card.

Swiggy Credit Card in collaboration with HDFC Bank is for foodie lovers who frequently have eateries via Swiggy.

Benefits: 

• Annual Fee: Rs.500.

• Category: Dining.

• Three months on Swiggy One membership, activated with a card costing Rs.1,199

• 10% cashback on Swiggy meal orders, Instamart, Dineout, and Genie up to Rs.1,500 per month.

• 5% reward on online purchases up to Rs.1,500 per month.

• 1% return on other purchases up to Rs.500 per month.

• Cashback is redeemable for a year's worth of Swiggy Money.

• Yearly fee waived for spending at least Rs.2 lac

Click Here To Instant Apply for the Swiggy HDFC Bank Credit Card.

5. Indian Oil Axis Bank Credit Card

Indian Oil Credit Card in collaboration with Axis Bank is best suited for saving fuel expenses.

Benefits: 

• Annual Fee: Rs.500

• Category: Fuel

• On first spend petrol during the first 30 days, you'll receive a 100% cashback up to Rs.250.

• 4% value-back on IOCL purchases in the form of 20 reward points for every Rs.100 spent.

• Every Rs.100 bought online earns you 5 reward points.

• For every Rs.100 spent on others, earn 1 EDGE reward point.

• Once a user reaches Rs.50,000 in yearly spending, their 5 reward points (worth Rs.1) are waived.

• 10% monthly discount on BookMyShow movie tickets up to Rs.100.

• 15% discount when using EazyDiner to eat at partner restaurants.

• 1% fuel fee remission for petrol purchases between Rs.200 and Rs.5,000, up to Rs.50 per month.

Click Here To Instant Apply for the Indian Oil Axis Bank Credit Card.

Conclusion:

If you intend to save money on Amazon purchases and keep a lifetime Credit Card then Amazon Pay ICICI Credit Card can serve the purpose.
If you are a frequent online shopper via Flipkart and have an interest in travelling then the Flipkart Axis Bank Credit Card might be suitable for you.
If you are a foodie who tries different cuisines frequently via Swiggy then you can find a Swiggy HDFC Bank Credit Card suitable for you.
If you want to save some money on spending on movies, travel, and dining in the form of Rewards on partner points then SBI Simply CLICK Credit Card can be a suitable option for you.
If you want to save or reduce your fuel expenses you can go for Indian Oil Axis Bank Credit Card.
Before selecting any card, prioritise your purpose, which can make it easy for the correct selection of the card.
Hope this blog helped you with the information that you were seeking.