Top Credit Cards For Beginners
If your annual income is 2.5 Lakhs and your yearly expenses amount to 50,000, consider applying for beginner-level credit cards, especially if you’re looking for the best credit cards to suit your financial needs. These cards enable you to make purchases on Amazon and Flipkart, cover bills, dine at restaurants, shop in physical stores, and travel occasionally, all without incurring any initial membership charges.
IDFC FIRST Classic Credit Card – Life Time Free
The IDFC FIRST Classic Credit Card stands out as one of the best credit cards, especially for beginners. Not only is it a life-time free card, but it also offers numerous benefits such as zero annual fees, rewards on every purchase, and exclusive discounts on dining and shopping. It’s a perfect starting point for those looking to dip their toes into the credit card world without worrying about additional costs.
HDFC Millennia Credit Card
The HDFC Millennia Credit Card is designed to meet the lifestyle needs of young professionals and beginners. It provides attractive cashback and rewards on shopping, dining, and utility bill payments, making it a great option for those who frequently spend on these categories. With its user-friendly features and benefits, it’s an ideal choice for first-time credit card users.
Read Also: Best Credit Cards In India For International Lounge Access
SBI Cashback Credit Card
The SBI Cashback Credit Card is a simple and rewarding card, perfect for beginners. It offers cashback on essential spending categories like groceries, departmental stores, and more. Plus, it has no annual fee for the first four years, making it cost-effective and suitable for individuals starting their credit journey.
ICICI Amazon Pay Credit Card – Life Time Free Credit Card
The ICICI Amazon Pay Credit Card is a popular choice for beginners, offering a seamless integration with Amazon and other partners. Being a lifetime free credit card, it provides attractive cashback and rewards on Amazon purchases, making it a go-to card for avid online shoppers. It’s an excellent option for those looking to maximize benefits from their everyday expenses.
Read Also: 11 Best Credit Cards for Free Airport Lounge Access in India 2023
Axis Bank Ace Credit Card
The Axis Bank Ace Credit Card is a versatile card designed for beginners, offering cashback on various spending categories such as fuel, dining, and utility bill payments. With its annual fee waiver on reaching a specified annual spend, it provides an incentive for responsible usage. It’s an ideal card for those starting their credit journey and looking to earn rewards on their regular purchases.
Top 10 Credit Cards For Salaried
If your annual salary exceeds Rs. 10 lakhs, you should apply for one of the cards on this list. If you spend more than 3 lakhs on these cards in a year, you can simply avoid paying the yearly fees.
Induslnd Pinnacle Credit Card
The IndusInd Pinnacle Credit Card is an excellent choice for salaried individuals. It offers exclusive privileges such as complimentary golf games, airport lounge access, and personalized concierge services. Additionally, cardholders can enjoy attractive cashback offers and discounts on dining, travel, and lifestyle.
Read Also: 11 Best Free Credit Cards (With No Annual Fee) In India 2023
IDFC FIRST Wealth Travel Credit Card – Lifetime Free
The IDFC FIRST Wealth Travel Credit Card is tailored for the discerning traveler. It provides lifetime free access and benefits like complimentary airport lounge access, travel vouchers, and rewards on travel spending. With accelerated rewards and exclusive travel benefits, this card is a great fit for salaried individuals who love to explore.
HDFC Infinia Credit Card
The HDFC Infinia Credit Card is designed for the elite. It offers unmatched benefits, including high reward points on spending, premium lounge access, complimentary golf games, and travel privileges. Salaried individuals can enjoy the luxury of this card, along with features like a dedicated relationship manager and concierge services.
Standard Chartered Manhattan Platinum Credit Card
The Standard Chartered Manhattan Platinum Credit Card is perfect for salaried individuals looking to maximize cashback and savings on everyday spending. It offers cashback on groceries, dining, and utility bill payments. With no annual fee and attractive rewards, this card is a practical choice for budget-conscious individuals.
Standard Chartered Ultimate Credit Card
The Standard Chartered Ultimate Credit Card provides a host of lifestyle privileges, including airport lounge access, exclusive dining offers, and accelerated rewards on travel and international spending. Salaried individuals can benefit from its reward points redemption options and complimentary insurance coverage.
American Express Platinum Travel Credit Card
The American Express Platinum Travel Credit Card is ideal for frequent travelers among salaried individuals. It offers generous travel rewards, complimentary lounge access, and exclusive hotel privileges. Cardholders can also enjoy bonus membership rewards, making this card a go-to for travel enthusiasts.
Amex Membership Rewards Credit Card (MRCC)
The Amex Membership Rewards Credit Card is a versatile option for salaried individuals seeking flexibility in reward redemption. It offers accelerated reward points on various categories and the freedom to redeem points across a wide range of options, including travel bookings, shopping, and more.
Axis Bank Magnus Credit Card
The Axis Bank Magnus Credit Card is tailored for high spenders. Salaried individuals can benefit from its attractive cashback offers, complimentary airport lounge access, and exclusive lifestyle privileges. With a focus on rewarding significant spending, this card is a great fit for individuals with diverse spending patterns.
Citibank PremierMiles Credit Card
The Citibank PremierMiles Credit Card is perfect for travel enthusiasts who want to earn miles for their journeys. Salaried individuals can accumulate miles on everyday spending and redeem them for flights, hotel stays, and more. With complimentary lounge access and other travel benefits, this card is a top choice for jet setters.
SBI Prime Credit Card
The SBI Prime Credit Card is a well-rounded option for salaried individuals. It offers rewards on various spending categories, including dining, groceries, and fuel. Cardholders can enjoy complimentary lounge access, milestone rewards, and attractive welcome benefits, making it a versatile choice.
Top 20 Credit Cards issued By Various Banks in India
Flipkart Axis Bank Credit Card:
The Flipkart Axis Bank Credit Card is tailored for online shoppers, offering exciting discounts, cashback, and reward points on Flipkart purchases. Cardholders can avail of a host of exclusive privileges and enjoy seamless online shopping experiences.
SBI SimplyCLICK Credit Card:
The SBI SimplyCLICK Credit Card is designed for digital enthusiasts, providing lucrative rewards and cashback on online spends, including shopping, dining, and more. It’s an excellent choice for those looking to maximize their online shopping benefits.
RBL Bank’s World Safari Credit Card:
For avid travelers, the RBL Bank World Safari Credit Card is ideal. It offers exclusive travel benefits such as airport lounge access, air miles, and discounts on travel bookings, making it a favorite among frequent flyers.
Paytm SBI Credit Card:
The Paytm SBI Credit Card is a great option for cashless transactions and frequent Paytm users. It offers cashback and rewards on Paytm transactions, utility bill payments, and more, enhancing the convenience of digital payments.
IndianOil Citi Credit Card:
Fuel up your savings with the IndianOil Citi Credit Card, offering significant savings on fuel purchases at IndianOil outlets. It also provides rewards and discounts on various other spends, making it a valuable card for daily use.
Axis Reserve Credit Card:
The Axis Reserve Credit Card is a premium card that offers a wide array of benefits, including concierge services, golf privileges, exclusive dining experiences, and more. It’s tailored for high-net-worth individuals seeking luxury and lifestyle benefits.
American Express Centurion Black Card:
The American Express Centurion Black Card, also known as the “Amex Black Card,” is an exclusive invitation-only credit card that provides unparalleled luxury benefits, including elite concierge services, travel privileges, and lavish lifestyle experiences.
SBI Etihad Guest Premier Credit Card:
This credit card is ideal for frequent travelers and Etihad Airways enthusiasts. It offers air miles, lounge access, and various travel perks, enhancing the overall travel experience for cardholders.
RBL Bank Edition Credit Card:
The RBL Bank Edition Credit Card caters to music and entertainment lovers, offering exclusive discounts and benefits on concert tickets, events, and dining experiences. It’s a perfect choice for those seeking entertainment privileges.
Bank Of Baroda Eterna Credit Card:
The Bank of Baroda Eterna Credit Card is a premium offering with a focus on lifestyle benefits, including travel perks, dining privileges, and shopping rewards. It’s designed for individuals seeking a blend of luxury and everyday conveniences.
Yes Bank’s YES FIRST Exclusive Credit Card:
The YES FIRST Exclusive Credit Card is a premium card that provides a comprehensive range of benefits, including golf privileges, exclusive concierge services, travel rewards, and much more. It’s an excellent choice for high-spending individuals.
Kotak Indigo Ka-ching 6E Rewards XL Credit Card:
This credit card is crafted for frequent travelers, offering a plethora of travel benefits, including air miles, lounge access, and travel vouchers. It’s a top choice for those who prioritize travel rewards.
SBI Air India Signature Credit Card:
The SBI Air India Signature Credit Card is perfect for frequent flyers with Air India. It offers air miles, lounge access, and discounts on flight bookings, making it an attractive choice for Air India loyalists.
Axis Vistara Infinite Credit Card:
Ideal for Vistara Airlines enthusiasts, the Axis Vistara Infinite Credit Card provides exclusive travel benefits, including air miles, priority boarding, and complimentary lounge access, enhancing the overall travel experience.
HDFC Diners Club Black Credit Card:
The HDFC Diners Club Black Credit Card is a premium offering that provides unmatched travel benefits, including air miles, airport lounge access, golf privileges, and more. It’s tailored for luxury and travel aficionados.
Indusind Legend Credit Card:
The Indusind Legend Credit Card offers a blend of lifestyle and travel benefits, including golf privileges, lounge access, and exclusive discounts on dining and shopping. It’s an excellent choice for those seeking a premium lifestyle card.
BookMyShow RBL Bank Play Credit Card:
Entertainment buffs will love the BookMyShow RBL Bank Play Credit Card, offering exclusive discounts on movie tickets, events, and dining experiences. It’s designed for individuals who frequently indulge in entertainment activities.
EazyDiner Indusind Bank Credit Card:
The EazyDiner Indusind Bank Credit Card provides delightful dining experiences with attractive discounts at partner restaurants. It’s perfect for food enthusiasts looking to elevate their dining outings.
Standard Chartered Super Value Titanium Credit Card:
The Standard Chartered Super Value Titanium Credit Card is designed for cost-conscious individuals, offering cashback and discounts on various everyday expenses, including groceries, fuel, and utility bills.
MakeMyTrip ICICI Bank Platinum Credit Card:
For travel enthusiasts, the MakeMyTrip ICICI Bank Platinum Credit Card provides exciting travel benefits, including air miles, discounts on flight and hotel bookings, and exclusive travel vouchers, making it an excellent choice for avid travelers.
Conclusion
the top 35 Best credit cards in India offer a diverse range of benefits to cater to various financial needs and lifestyles. From premium travel perks to cashback on everyday expenses, these cards provide options for different preferences. Prospective cardholders should assess their spending patterns and financial goals to choose a card that aligns with their needs and optimizes benefits. These credit cards serve as a valuable starting point for individuals seeking to enhance their financial strategies and lifestyle.
