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Best Cards for Beginners
Easy approval, low requirements
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37 cards foundCalculate rewards for your spending →
IC
Editor's Pick
Amazon Pay ICICI Credit Card
ICICI Bank
FREE
per year
Reward: 1%
Amazon Prime members
FE
Scapia Federal Credit Card
Federal Bank
FREE
per year
Reward: 10%
0Lounge: Unlimited
Best zero forex + zero fee travel card
FE
Jupiter Edge Plus
Federal Bank/CSB Bank
FREE
per year
Reward: 5%
Lounge: 1/quarter
E-commerce shoppers (10% on major platforms)
AX
Axis Flipkart Credit Card
Axis Bank
₹500
per year
Reward: 1%
Lounge: 0 (removed June 2025)
Flipkart/Myntra shoppers
FE
Fi MagniFi Credit Card
Federal Bank/AU Bank
FREE
per year
Reward: 0.5%
Weekend spenders + brand discount hunters
SB
SBI SimplyCLICK
SBI Card
₹499
per year
Reward: 1%
Forex: 3.5%
Online shoppers, first credit card
ID
IDFC FIRST Classic
IDFC FIRST Bank
FREE
per year
Reward: 3%
Entry-level LTF card for beginners
YE
Kiwi RuPay Credit Card
Yes Bank
FREE
per year
Reward: 1.5%
Lounge: 3/year with Neon
Heavy UPI users (₹1.5L+/month)
IN
IndusInd Tiger
IndusInd Bank
FREE
per year
Reward: 6%
Lounge: 2/quarter (8/year)
LTF card with lounge access
AM
Amex SmartEarn
American Express
₹495
per year
Reward: 2%
Entry Amex with 10X bonus categories
AU
AU Ixigo Credit Card
AU Small Finance Bank
FREE
per year
Reward: 2.5%
0Lounge: 8/year
Budget travelers (if grandfathered on zero forex)
MU
OneCard Metal
Multiple (SBM/Federal/BOB)
FREE
per year
Reward: 2%
Forex: 1%
Free metal card, low forex travelers
IN
IndusInd EazyDiner Platinum
IndusInd Bank
FREE
per year
Reward: 1%
Fine dining enthusiasts
KO
Kotak IndianOil Credit Card
Kotak Mahindra Bank
₹449
per year
Reward: 2.67%
Forex: 3.5%
IndianOil fuel users with regular grocery/dining spends
HD
HDFC Tata Neu Plus
HDFC Bank
₹499
per year
Reward: 1%
Entry card for Tata shoppers
AX
Axis MyZone
Axis Bank
₹500
per year
Reward: 2%
Lounge: 1/quarter
Entry card for movies & dining
ST
Standard Chartered Smart
Standard Chartered
₹499
per year
Reward: 1%
Simple online cashback seekers
RB
RBL ShopRite
RBL Bank
FREE
per year
Reward: 1%
Grocery and fuel shoppers
PU
PNB Rakshak Plus Platinum
Punjab National Bank
FREE
per year
Reward: 2%
Defence personnel - lifetime free card
HD
HDFC UPI RuPay Credit Card
HDFC Bank
₹99
per year
Reward: 1%
UPI-linked credit card users
IC
ICICI Platinum Chip
ICICI Bank
FREE
per year
Reward: 2%
Free ICICI entry card
SB
SBI SimplySAVE
SBI Card
₹499
per year
Reward: 0.67%
Offline dining & grocery shoppers
CA
Canara RuPay Platinum
Canara Bank
FREE
per year
Reward: 2%
Free PSU bank card with railway lounge
HD
HDFC MoneyBack Plus
HDFC Bank
₹500
per year
Reward: 0.5%
First credit card for beginners
KO
Kotak 811 Credit Card
Kotak Mahindra Bank
₹500
per year
Reward: 2%
Entry-level card for Kotak customers
HS
HSBC Visa Platinum
HSBC India
FREE
per year
Reward: 0.67%
Free HSBC entry card
HD
HDFC Freedom
HDFC Bank
₹500
per year
Reward: 0.67%
Forex: 3.5%
Entry-level card for app-based spending
SB
SBI Card PULSE
SBI Card
₹1K
per year
Reward: 2%
Health-conscious spenders
IN
IndusInd Duo Plus
IndusInd Bank
₹799
per year
Reward: 0.67%
Forex: 2%
Basic IndusInd rewards card
IC
ICICI Expressions
ICICI Bank
₹199
per year
Reward: 1%
Low-cost entry with movie benefits
UN
Union Gold Credit Card
Union Bank of India
₹500
per year
Reward: 1%
Union Bank gold tier
SB
SBI Platinum
SBI Card
₹499
per year
Reward: 1%
Basic SBI card
BA
BOB Easy Credit Card
Bank of Baroda
₹250
per year
Reward: 0.67%
Entry-level BOB card
CA
Canara Visa Gold
Canara Bank
₹0
per year
Reward: 1%
Basic Canara Visa card
UN
Union Classic Credit Card
Union Bank of India
₹250
per year
Reward: 0.67%
Basic entry-level card
HD
HDFC MoneyBack
HDFC Bank
₹500
per year
Reward: 0.25%
Basic HDFC entry card
AX
Axis Neo
Axis Bank
₹250
per year
Reward: 1%
Entry-level Axis card
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Frequently Asked Questions
What is the best cards for beginners in India 2026?▼
The best cards for beginners in India for 2026 is Amazon Pay ICICI Credit Card from ICICI Bank, offering amazon prime members.
How many cards for beginners are available in India?▼
We compare 37 cards for beginners from top Indian banks including HDFC, Axis, SBI, ICICI, and more.
How do I choose the right cards for beginners?▼
Consider your spending patterns, required features like approval ease, annual fees, and eligibility requirements. Use our Card Finder quiz for personalized recommendations.
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023