Best Credit Cards for Beginners in India (2025) 🇮🇳
If you are new to credit cards in India, choosing the right first card is crucial. The best beginner credit cards should be easy to get approved for, have low fees, offer rewards, and help build your credit score.
Top Beginner-Friendly Credit Cards in India
| Credit Card | Best For | Annual Fee | Key Benefits |
|---|---|---|---|
| SBI SimplyCLICK | Online Shopping | ₹499 (waived on ₹1L spend) | 10X rewards on Amazon, Flipkart, BookMyShow |
| HDFC MoneyBack+ | Cashback | ₹500 (waived on ₹50K spend) | 2% cashback on online spending |
| ICICI Amazon Pay Credit Card | Amazon Shopping | ₹0 | 5% cashback on Amazon (Prime members) |
| Flipkart Axis Bank Credit Card | Flipkart Shopping | ₹500 | 5% cashback on Flipkart, Myntra, Swiggy |
| IDFC FIRST Millennia Credit Card | Lifetime Free | ₹0 | Up to 10X rewards, no interest for 48 days |
| OneCard Credit Card | Digital & Metal Card | ₹0 | 5X rewards on top 2 categories |
| AU Small Finance Bank LIT Credit Card | Customizable Rewards | ₹199/month | Select and change benefits as needed |
How to Choose the Best First Credit Card in India
✅ No/Low Annual Fees: Choose a card with a zero or refundable annual fee.
✅ Easy Approval: Some banks allow first-time users or salaried individuals to apply easily.
✅ Reward Benefits: Opt for cashback, rewards, or discounts on shopping, travel, and dining.
✅ Credit Score Growth: A good credit card helps build your CIBIL score for future loans.
Best for Different Needs
🏆 Best for Online Shopping: SBI SimplyCLICK (10X rewards on Amazon, Flipkart)
💰 Best for Cashback: HDFC MoneyBack+ (2% cashback on online transactions)
🛍 Best for Amazon Shoppers: ICICI Amazon Pay (5% cashback for Prime users)
📱 Best for Flipkart Users: Flipkart Axis Bank (5% cashback on Flipkart & Swiggy)
🚀 Best for Lifetime-Free Card: IDFC FIRST Millennia (Lifetime free, up to 10X rewards)
Final Thoughts
If you’re a beginner looking for your first credit card in India, go for a lifetime-free or low-fee option with cashback and rewards. The IDFC FIRST Millennia and ICICI Amazon Pay Credit Card are great no-fee choices. If you shop online often, SBI SimplyCLICK or Flipkart Axis Bank Credit Card offer excellent rewards.
