Best Credit Card for Beginners

New to credit cards? These beginner-friendly cards are easy to get and help build your credit score smartly.

#1

Kiwi RuPay Credit Card

• UPI-focused credit card with cashback on scan & pay transactions
• Lifetime free card with rewards in form of “Kiwis” (1 Kiwi = ₹0.25)
• Base cashback ~1.5% on UPI spends, with potential up to 5% (via Neon membership)

#2

One Credit Card

• Lifetime free metal credit card (₹0 joining & annual fee)
• 5X rewards on top 2 spending categories (dynamic)
• Fully app-controlled card (OneCard app)

#3

HDFC MoneyBack Plus Credit Card

• Entry-level rewards card ideal for daily & household spending
• Earn 10X CashPoints (~3.3% value) on popular merchants
• Low annual fee with easy waiver at ₹50,000 yearly spend

#4

Amazon Pay ICICI Bank Credit Card

• Lifetime free credit card (no joining or annual fee)
• Earn up to 5% cashback on Amazon purchases
• Unlimited cashback with no caps or expiry

#5

Axis Neo Credit Card

• Entry-level discount-focused credit card with strong food & lifestyle offers
• Best for Zomato, Blinkit, Paytm, and Myntra users
• Low annual fee (₹250) with lifetime free offers available

#6

SBI SimplySAVE Credit Card

• Entry-level rewards card focused on daily offline spending
• Earn 10X reward points on groceries, dining, movies, departmental stores
• Low annual fee with easy waiver at ₹1L yearly spend

#7

Flipkart Axis Bank Credit Card

• Popular cashback card designed for Flipkart ecosystem users
• Earn 5%–7.5% cashback + 4% unlimited on select merchants
• Cashback is directly credited to statement (no points hassle)

#8

SBI SimplyCLICK Credit Card

• Entry-level online rewards card focused on partner brand spending
• Earn 10X rewards on partner brands + 5X on other online spends
• Low annual fee with milestone vouchers boosting total value