Did you know that with the right cashback credit card, you could save thousands every year on your regular purchases? If you’re new to credit cards, picking the right one can be overwhelming with so many options available. But don’t worry! In this blog, we’ll break down the top 10 credit cards for beginners in India—cards that will help you earn cashback, enjoy special offers, and build your credit score from day one.
Whether you’re looking for best cashback cards in India, zero annual fee credit cards, or travel credit card benefits, there’s a perfect card for you! Let’s explore the best options for first-time users and how you can maximize your savings.
1. SBI Cashback Card – A Great Start for First-Time Users
The SBI Cashback Card is an excellent choice for those just starting their credit card journey. With no annual fee for the first year, this card offers up to 5% cashback on online shopping, making it a top pick for e-commerce lovers.
- Key Features:
- 5% cashback on online purchases.
- 1% cashback on other spends.
- Zero annual fee in the first year.
Why it’s great for beginners: With a straightforward cashback structure and no annual fee, this card is perfect for first-time users who want to dip their toes into the world of credit cards without worrying about high fees.
2. HDFC Millennia Credit Card – Best for Online Shoppers
If you’re an online shopper, the HDFC Millennia Credit Card offers great value. With 5% cashback on Amazon, Flipkart, and dining expenses, it’s perfect for those who make regular online purchases.
- Key Features:
- 5% cashback on online shopping.
- 1% cashback on other purchases.
- Travel credit card benefits like lounge access.
Why it’s great for beginners: The card offers a mix of great cashback rates for everyday purchases like online shopping and dining, making it a fantastic starting point.
3. Axis Bank ACE Credit Card – Best for Google Pay and Mobile Payments
If you prefer using Google Pay for transactions, the Axis Bank ACE Credit Card rewards you with 5% cashback on Google Pay spends. Plus, you’ll earn 1% cashback on other purchases.
- Key Features:
- 5% cashback on Google Pay transactions.
- 1% cashback on all other spends.
- Zero annual fee in the first year.
Why it’s great for beginners: With easy mobile payment rewards and no annual fee, this is perfect for someone who is just starting out and prefers cashless transactions.
4. ICICI Platinum Chip Card – No Annual Fee, Easy to Use
The ICICI Platinum Chip Card is another great option for first-time users. With a zero annual fee and basic benefits, this card is easy to manage.
- Key Features:
- 1% cashback on all spends.
- Fuel surcharge waivers.
- Zero annual fee for the first year.
Why it’s great for beginners: Simple cashback rewards and no annual fee make it a low-maintenance option for those new to credit cards.
5. RBL Bank Rewards Card – Excellent for Reward Points
The RBL Bank Rewards Card is perfect if you love earning rewards points. You can redeem these points for gifts, merchandise, or even cashback.
- Key Features:
- Earn 1 point per ₹100 spent.
- Bonus points on dining and online shopping.
- No annual fee in the first year.
Why it’s great for beginners: This card gives you a chance to earn rewards points for every transaction, which can be converted into discounts or cashback later.
6. Bajaj Finserv RBL Bank SuperCard – Best for Emergency Purchases
If you want a credit card that can serve as a financial safety net, the Bajaj Finserv RBL Bank SuperCard offers the benefit of EMI conversion on purchases, making it ideal for large expenses.
- Key Features:
- Cashback on selected categories.
- EMI conversion for big-ticket purchases.
- Zero annual fee for the first year.
Why it’s great for beginners: It’s the perfect option for those new to credit cards but also want flexibility when it comes to managing big purchases.
7. Kotak Mahindra Essentia Platinum Credit Card – Best for Everyday Spending
With the Kotak Mahindra Essentia Platinum Credit Card, you can earn rewards points on every transaction. This card also gives you cashback on fuel purchases.
- Key Features:
- Earn 1 reward point per ₹150 spent.
- Cashback on fuel.
- Zero annual fee for the first year.
Why it’s great for beginners: A reliable card for daily spending that rewards you with rewards points and cashback on fuel.
8. Standard Chartered Platinum Rewards Card – For Online Shopping Enthusiasts
For first-time users who frequently shop online, the Standard Chartered Platinum Rewards Card offers 2x rewards points on online transactions.
- Key Features:
- 2x rewards points on online shopping.
- 1 reward point per ₹150 spent on other categories.
- Zero annual fee in the first year.
Why it’s great for beginners: If you do a lot of online shopping, this card helps you earn extra rewards points for your purchases.
9. HSBC Platinum Credit Card – Best for Dining and Travel
The HSBC Platinum Credit Card gives you 2x rewards points on dining and 1x points on all other spends. It also offers great travel credit card benefits.
- Key Features:
- 2x rewards points on dining.
- 1 reward point per ₹150 spent.
- Access to airport lounges.
Why it’s great for beginners: This is a great option for foodies and travel lovers who want to earn rewards for their everyday spending.
10. SBI Card ELITE – Best Premium Credit Card for Beginners
For those looking for a premium experience without paying a huge fee upfront, the SBI Card ELITE offers 10x rewards on dining and entertainment.
- Key Features:
- 10x rewards on dining and entertainment.
- Access to lounge benefits and exclusive deals.
- Zero annual fee on reaching a certain spend threshold.
Why it’s great for beginners: Although a premium card, it’s perfect for those willing to make more significant purchases and want to earn big rewards while enjoying exclusive benefits.
How to Maximize Cashback with Credit Cards
To get the most out of your cashback credit card, keep these tips in mind:
- Know the Reward Categories: Each card offers higher cashback in specific categories. Make sure you use the right card for the right purchase (e.g., use your dining card when eating out).
- Watch for Special Offers: Many cards run seasonal promotions. Take advantage of credit card cashback offers during festivals or major shopping events.
- Pay Your Bills on Time: Avoid interest charges, which can quickly negate any cashback you earn.
Ready to make the most of your spending? Apply for a credit card online today and start earning cashback or rewards with these top credit cards for beginners!