When you’re new to the world of credit cards, it can be overwhelming to choose the right one. Here are the top 5 best entry-level credit cards for beginners in India:

ICICI Bank Amazon Pay

ICICI credit card AMAZON PRIME members get 5% cashback, non-prime members get 3% cashback as well as 2% cashback on flight booking, recharge, bill payment and gift card transactions, as well as 1% cashback on other transactions. This is a life time free credit card.

AXIS BANK

With Axis Bank Ace Credit Card, 5 percent cashback is available on utility bill payments through Google Pay platform. 4% cashback is available on SWIGGY, ZOMATO and OLA. Flat 2% cashback on all other expenses. In addition to cashback on spends, the cardholder gets 4 domestic lounge access across 4,000+ partner restaurants in India and up to 20% off over the course of a year. The annual fee for this card is Rs 499.

Axis Bank Neo: This card is ideal for beginners as it offers a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores. It also has a low annual fee and a high reward redemption rate.

SBI Card

SBI SimplyCLICK credit card customers are given AMAZON GIFT card up to Rs.500. 10X rewards with partners like Amazon, Cleartrip, BookMyShow, Lenskart, etc., 5x reward on all online spends and 1% on fuel surcharge. The annual fee for the credit card is Rs 499.

SBI SimplySave: This card is ideal for beginners as it offers a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores. It also has a low annual fee and a high reward redemption rate.

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Axis Bank

5% cashback for shopping on FLIPKART and MYNTRA through Flipkart Axis Bank Credit Card, 4% cashback on Cleartrip, Cure.fit, PVR, Swiggy, Uber etc. and 1.5% cashback on all other categories, in addition to cashback on remaining spends of the year Cardholders get the benefit of 4 domestic lounges, up to 20% discount on 4000+ partner restaurants in India and 1% fuel surcharge discount during the period. The annual fee for this credit card is Rs 500.

ICICI Bank Coral: This card is ideal for beginners as it offers a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores. It also has a low annual fee and a high reward redemption rate.

HSBC Bank

With HSBC Cashback Credit, 1.5% cashback is available on all online spending, and 1% cashback on other expenses. In addition to cashback on spends, the cardholder gets access to 3 domestic and international lounges and up to 15% off on dining at partner restaurants in certain major cities during the year. The annual fee for this card is Rs 750.

HDFC Bank Moneyback: This card is ideal for beginners as it offers a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores. It also has a low annual fee and a high reward redemption rate.

BONUS

Citi Cashback: This card is ideal for beginners as it offers a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores. It also has a low annual fee and a high reward redemption rate.

It’s worth noting that these are some of the best entry-level credit cards for beginners in India, but it’s best to check the terms, conditions, fees and rewards of each card, compare them and choose the one that best fits your needs.

In summary, when you’re new to the world of credit cards, it can be overwhelming to choose the right one. The top 5 best entry-level credit cards for beginners in India are SBI SimplySave, HDFC Bank Moneyback, ICICI Bank Coral, Axis Bank Neo and Citi Cashback. These cards offer a high reward point earning rate on everyday expenses such as groceries, fuel, and departmental stores, low annual fee and a high reward redemption rate. They are ideal for beginners as they offer a simple and straightforward way to earn rewards while building credit history.