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There is no doubt that credit cards are loaded with numerous benefits like rewards, cashback, lounge access, exclusive discount and more. Most of the cards that offer decent benefits come with a high fee and are offered to people who have a good credit score. However, some cards are designed for people who have just started their credit journey.

If you are looking for a card that offers good value at a reasonable fee, you can apply for an entry-level credit card. These cards are best suited for beginners who have just started their professional journey and would like to build a good credit score and avail benefits at the same time. The minimum income requirement on these cards usually ranges from 25,000 to 30,000 per month. Here we have listed the top credit cards for beginners in India offering varied benefits to the users.

Best Entry Level Credit Cards in India Dec 2025

Standard Chartered EaseMyTrip Credit Card
easemytrip-credit-card
3.5/5

Joining fee: ₹350

Annual/Renewal Fee: ₹350

20% discount on domestic & international hotel bookings via EaseMyTrip

10% discount on domestic & international flight bookings via EaseMyTrip

Travel
Check Eligibility

Product Details

  • Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
  • Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
  • Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
  • 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
  • 2 complimentary domestic lounge visit per year
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PVR INOX Kotak Credit Card
pvr-inox-kotak-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

Free movie tickets worth Rs. 300 each every month

Flat 20% off on food & beverages at PVR

Movies
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Product Details

  • Flat 5% off on movie tickets at PVR INOX theatre, app & website
  • Flat 20% on food and beverages at PVR INOX theatre, app & website
  • Complimentary access to premium PVR INOX in-cinema lounges
  • 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent in a cycle
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YES BANK Paisabazaar PaisaSave Credit Card
paisabazaar-paisasave-credit-card
4/5

Joining fee: ₹0

Annual/Renewal Fee: ₹499

6% cashback on travel and dining spends

Unlimited 1% cashback on all other spends, including UPI

Travel
Dining
Cashback
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Product Details

  • 6% cashback is capped at Rs. 3,000 per month, post which 1% cashback will apply
  • Earned reward points can be redeemed as statement credit in 1:1 ratio at zero redemption fee
  • Renewal fee waived off on reaching Rs. 1.2 lakh annual spends
  • 1% fuel surcharge waiver, up to Rs. 250 per month, on all fuel spends worth Rs. 500 to Rs. 3,000
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Axis Bank ACE Credit Card
ace-credit-card
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

5% cashback on utility bill payments and recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

Shopping
Cashback
Online Shopping
Check Eligibility

Product Details

  • 1.5% cashback on other offline & online spends
  • 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
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SBI SimplyCLICK Credit Card
simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Rewards
Online Shopping
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Amazon India gift card worth Rs. 500 on joining fee payment
  • Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
  • Annual fee waived on reaching Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
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Flipkart Axis Bank Credit Card
flipkart-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

7.5% cashback on Myntra

5% cashback on transactions at Flipkart and Cleartrip

Cashback
Online Shopping
Check Eligibility

Product Details

  • 1% cashback across other spends
  • Activation benefits worth Rs. 600 from Flipkart and Swiggy
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
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HDFC MoneyBack+ Credit Card
hdfc-bank-moneyback-plus-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket

Gift vouchers worth Rs. 2,000 every year

Shopping
Rewards
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Product Details

  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints as welcome benefit after the payment of joining fee
  • Gift vouchers worth up to Rs. 2,000 in a year as milestone benefits
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Airtel Axis Bank Credit Card
airtel-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

25% cashback on payment for Airtel Mobile, DTH, etc. via Airtel Thanks App

10% cashback on utility bill payment via Airtel Thanks App

Cashback
Check Eligibility

Product Details

  • 10% cashback on utility bill payments via Airtel Thanks app
  • 10% cashback on spends at Zomato, Swiggy and BigBasket
  • Unlimited 1% cashback on other spends
  • 4 complimentary domestic airport lounge visits every year
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IndianOil Axis Bank Credit Card
indianoil-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Save up to 5% on IOCL fuel spends

1% back as 5 EDGE reward points per Rs. 100 spent on online shopping

Fuel
Check Eligibility

Product Details

  • 4% back as 20 EDGE reward points per Rs. 100 spent on IOCL fuel
  • 1% fuel surcharge waiver of up to Rs. 50 per month on fuel spends of Rs. 400 to Rs. 4,000
  • 1 EDGE reward point per Rs. 100 spent on other spends, 1 EDGE reward point = Rs. 0.20
  • 100% cashback, up to Rs. 250, as EDGE rewards on the 1st fuel spend made within the 1st 30 days
  • Annual fee waived off on Rs. 3.5 lakh annual spends and up to 15% off on dining via EazyDiner
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Tata Neu Plus HDFC Credit Card
tata-neu-hdfc-bank-credit-cards
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 7% value back on Tata Neu spends

4 domestic lounge access per year

Shopping
Check Eligibility

Product Details

  • 499 NeuCoins after the first spend within 30 days of card issuance
  • 2% NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
  • 1% NeuCoins on UPI, non-Tata brand and merchant EMI spends
  • Additional 5% NeuCoins on select spends at Tata Neu app/website
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Cashback SBI Card
cashback-sbi-card
4/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

Cashback
Online Shopping
Check Eligibility

Product Details

  • 5% cashback across all online spends with no merchant restriction
  • 1% cashback across all offline spends
  • Earn cashback of up to Rs. 5,000 per month
  • Renewal fee reversed on spending at least Rs. 2 lakh in a year
  • 1% fuel surcharge waiver of up to Rs. 100 per month
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Note: Cards are placed in order of annual fees: low to high.

Popular Credit Cards in India | Check Eligibility for Top Credit Cards

Standard Chartered EaseMyTrip Credit Card: Instant discount on travel bookings

Standard Chartered EaseMyTrip Credit Card

Annual Fee: Rs. 350

Standard Chartered Credit Card allows cardholders to save up to 20% on travel bookings through EaseMyTrip. Besides instant discount, users can also earn reward points on travel spends other than EaseMyTrip and redeem them for future travel bookings.

Key Features of Standard Chartered EaseMyTrip Credit Card:

  • 20% discount on domestic & international hotel bookings at EaseMyTrip
  • 10% discount on domestic & international flight bookings at EaseMyTrip
  • 10 reward points on every Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets, except any travel aggregators
  • 2 reward points for every Rs. 100 spent on other categories
  • 2 complimentary international lounge visits per year
Should you get this card?

Standard Chartered EaseMyTrip is a co-branded credit card that offers benefits in the form of instant discount and cashback, along with complimentary lounge access. If you frequently travel and book a couple of tickets every month, this credit card can lead to significant savings. Besides rewards and cashback, the credit card also offers domestic lounge access, enhancing the overall value for frequent travellers. However, the only restriction is that users can avail one discount per month per card per category. For instance, if you have used the card to avail discount on international flight bookings, you cannot avail same benefit again in the same month. Additionally, international travel benefits on the card are limited.

Check Eligibility For Top Credit Cards | Read more about Standard Chartered EaseMyTrip Credit Card

PVR INOX Kotak Credit Card: Instant discount on PVR movie tickets

PVR INOX Kotak Credit Card

Annual Fee: Rs. 499

PVR INOX Kotak Credit Card is designed for movie lovers looking for an option to save on their spends at movies along with food and beverages. With this card, users can earn free movie tickets as milestone benefits and complimentary access to premium in-cinema lounges.

Key Features of PVR INOX Kotak Credit Card:

  • Flat 5% off on PVR movie tickets
  • Flat 20% off on food and beverages at PVR theatres
  • Complimentary access to premium PVR INOX in-cinema lounges
  • 1 free PVR INOX movie ticket worth Rs. 300 each on every Rs. 10,000 spent during a billing cycle
Should you get this card?

PVR INOX Kotak is a co-branded credit card offering direct discount on movies and food & beverages at PVR cinemas. The card also offers free PVR INOX tickets as milestone benefits. Unlike many other cards that place a maximum capping on the number of free tickets, this credit card allows users to earn unlimited free tickets on every Rs. 10,000 spent. Basically, the more you spend, the more free tickets you get. Overall, if you are a movie lover who frequently goes out to watch movies, this credit card can help you save significantly. However, if you’re looking for rewards on other spending categories, you might want to explore other options, as this card’s benefits are limited to PVR INOX cinemas.

Check Eligibility For Top Credit Cards | Read more about PVR INOX Kotak Credit Card

YES Bank Paisabazaar PaisaSave Credit Card: For cashback on all dining & travel spends

YES Bank PaisaSave Credit Card

Annual Fee: Rs. 499

YES BANK Paisabazaar PaisaSave Credit Card is a dining and travel credit card that offers accelerated cashback on these categories, irrespective of merchant restrictions. The card is available in both virtual and physical forms. The virtual card is issued on the RuPay network, which also enables UPI-linked credit card benefits.

Key Features of YES Bank Paisabazaar PaisaSave Credit Card:

  • 6% cashback on dining & travel spends
  • 1% cashback on other categories, including UPI spends
  • 1% fuel surcharge waiver across all petrol pumps, up to Rs. 250 per month
  • Annual fee waiver on spending Rs. 1.2 Lakh in a year
Should you get this card?

With zero joining fee and relaxed eligibility criteria, this card is a suitable choice for beginners who prefer to earn cashback primarily on dining and travel categories. The card also offers unlimited 1% cashback on other spends and UPI transactions, making it a good option for day-to-day expenses as well. Though the accelerated cashback is capped at Rs. 3,000 per month, cardholders can still save significantly on their travel and dining spends. Overall, consumers who are planning to start their credit journey and are looking for an entry-level card with decent cashback benefits can consider YES BANK PaisaSave Credit Card.

Check Eligibility For Top Credit Cards | Read more about YES Bank Paisabazaar PaisaSave Credit Card

Axis ACE Credit Card: Great value back on all spends

Axis Bank ACE Credit Card

Annual Fee: Rs. 499

Axis Ace is one of the best entry-level credit cards in the market offering one of the highest base cashback rate of 1.5% on almost all transactions. Its 5% uncapped cashback on all utility bill payments on Google Pay is also a generous offer. Most of us pay huge amounts in utility bills and getting such a generous cashback on these essential payments is truly a good deal. The two main reasons why it is on top of our list is its generous rate and a simple cashback model.

Key Features of Axis Ace Credit Card:

  • 5% cashback on utility bill payments like electricity, gas and internet on Google Pay
  • 4% cashback on Zomato, Swiggy and Ola
  • 1.5% cashback on all other spends
  • 4 complimentary domestic lounge visits in a year on spending Rs. 50,000 in the previous 3 months
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 (max. 500 waiver in a month)
Should you get this card?

You must consider Axis Ace, especially if you are looking for good value back across all your spends instead of focusing on a particular category like travel, shopping or fuel. Moreover, the card has a simple cashback system and the amount is automatically credited to your card account in each billing cycle. A lot of people look for simple benefits like these instead of a reward earning and redemption model and this is an additional advantage with Axis Ace Card.

Check Eligibility For Top Credit Cards |Read More about Axis Ace Credit Card

SBI SimplyCLICK Credit Card: Good for online shoppers

 

SBI SimplyClick Credit Card

Annual Fee: Rs. 499
Minimum Income: Rs. 20,000 p.m.

The rewards program of SBI SimplyCLICK is designed around online purchases with extra benefits on shopping with their exclusive partner brands. Though its basic reward rate of 1% stands low, 5% rewards across all online shopping is clearly a better deal to count it as one of the best shopping credit cards in India. With exclusive partners including Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP,Myntra, Netmeds, Swiggy and Yatra.

Key Features of SBI SimplyCLICK Credit Card:

  • 5X reward points on all online shopping
  • 10X reward points on online partners like BookMyShow, Cleartrip, Apollo24x7, Swiggy, Dominos, Netmeds, Myntra and Yatra
  • 1 reward point for every Rs. 100 spent on the card
  • E-voucher worth Rs. 2,000 each on reaching annual spends of Rs. 1 Lakh and Rs. 2 Lakh
Should you get this card?

SBI SimplyCLICK is one of the best credit cards for beginners, especially if you are a frequent online shopper. You get generous rewards on all online spends which is provided with very few credit cards. The annual fee of this card is only Rs. 499 but the waiver condition is at Rs. 1 Lakh per annum. For this fee range, this spending milestone is achievable. You can also consider SBI SimplySAVE Credit Card if your focus is on earning extra rewards mainly on offline expenses.

Check Eligibility For Top Credit Cards | Read more about SBI SimplyCLICK Credit Card

Flipkart Axis Bank Credit Card: Good cashback on shopping & travel

Annual Fee: Rs. 500

One of the key highlights of this Axis Bank credit card is that it substantially rewards you for your shopping and travel expenses offering 5% cashback on Flipkart and Cleartrip, along with 4% cashback on preferred merchants (Cult.fit, Swiggy, PVR and Uber). Though limited to certain platforms, this is a substantial cashback rate for an entry-level card, not common among cards in this fee range. Also, since Flipkart does not have a wallet system like Amazon, the cashback is directly credited to your card account, making the cashback model simpler.

Key Features of Flipkart Axis Bank Credit Card:

  • Welcome benefit worth Rs. 600 in the form of coupons
  • 5% cashback on Flipkart and Cleartrip
  • 4% cashback on preferred merchants (Cult.fit, Swiggy, PVR and Uber)
  • 1% cashback across all other categories
  • 4 complimentary domestic lounge visits in a year on spending Rs. 50,000 in the previous 3 months
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 (Max. Rs. 400 waiver in a month)
Should you get this card?

Flipkart Axis Bank Card will be the best choice for someone who shops a lot on Flipkart and other partner merchants. Unlike Axis ACE card that offers no additional benefits on travel, the Flipkart card takes care of your travel needs as well. In addition to this, the 1% cashback across all other spends is a decent deal if you can make the most of the other benefits on this card. However, if you are not sure whether you would be able to avail the benefits on Flipkart, Cleartrip, Swiggy, Myntra, etc., Axis ACE card could be a better choice for you owing to its higher default cashback rate.

Check Eligibility For Top Credit Cards | Read more about Flipkart Axis Bank Credit Card

HDFC MoneyBack+ Credit Card: High reward points

HDFC MoneyBack Plus Credit Card

Annual Fee: Rs. 500

HDFC MoneyBack+ Credit Card is a go-to card if you are keen on saving more with rewards. The card comes with a benefit of 500 cash points, as a welcome benefit. The card prompts easy contactless payments, secure and convenient payments for outlets. Further, you get extra reward points for making online purchases at popular brands.

Key Features of HDFC MoneyBack+ Credit Card:

  • 10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
  • 2 CashPoints per Rs. 150 spent on other categories
  • 500 CashPoints on payment of joining and renewal fee
  • 500 gift voucher on reaching quarterly spends of Rs. 50,000 or more
  • 1% fuel surcharge waiver on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000
Should you get this card?

HDFC MoneyBack+ Credit Card is one of the best credit cards for beginners that offers good reward points on your online transactions. The card comes with a low annual fee and is easily accessible for you if you have started earning recently. You can save more, without spending much on the card in terms of joining fees and annual fees.

Check Eligibility For Top Credit Cards | Read more about HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card Offer

Airtel Axis Credit Card: Best for utility bill payments

Airtel Axis Credit Card

Annual Fee: Rs. 500

Airtel Axis Credit Card is a co-branded credit card designed to offer benefits on utility bill payments, especially for Airtel users. You can save up to 25% on Airtel bill payments and 10% on other utility bill payments. The card also offers complimentary lounge access as milestone benefits and welcome benefits worth the joining fee.

Key Features of Airtel Axis Credit Card:

  • 25% cashback on Airtel Mobile, broadband, WiFi and DTH bill payments through the Airtel Thanks app
  • 10% cashback on utility bill payments made through the Airtel Thanks app
  • 10% cashback on transactions at Swiggy, Zomato and BigBasket
  • 1% cashback on all other spends
  • Amazon e-voucher worth Rs. 500 on the first spend made within 30 days of card issuance
  • 4 complimentary domestic lounge visits every year, 1 per quarter on spending Rs. 50,000 in the previous 3 month
Should you get this card?

Airtel Axis Credit Card offers benefits to Airtel customers through cashback, discount, and vouchers. The plus point is that despite being a co-branded credit card, the card not only offers benefits on Airtel spends but also across other popular brands like Swiggy, Zomato, and BigBasket, covering two major categories: groceries and dining. Since most cards put utility bills in the excluded categories, offering accelerated cashback on utility bill payments makes this card a reasonable choice for those looking to save on this category of spends. Also, additional benefits like complimentary lounge access and dining discount further enhance the overall value of this card. Airtel Axis Card is a suitable choice for users who are already in the Airtel ecosystem or planning to come onboard.

Check Eligibility For Top Credit Cards | Read more about Airtel Axis Credit Card

IndianOil Axis Credit Card: Good for fuel spends at IndianOil

IndianOil Axis Bank Credit Card

Annual Fee: Rs. 500

IndianOil Axis Credit Card is a fuel credit card offering up to 4% value back on fuel spends at IndianOil outlets. The card offers value back in the form of reward points, which you can redeem to avail free fuel every year. Here are some of the key benefits of this credit card:

Key Features of IndianOil Axis Credit Card:

  • EDGE reward points equivalent to the first fuel spend of up to Rs. 250 made within 30 days of card issuance
  • 4% back as 20 EDGE reward points per Rs. 100 spent on fuel purchases of Rs. 400 to Rs. 4,000 at IOCL outlets in India
  • 1% back as 5 EDGE reward points per Rs. 100 spent on online shopping worth Rs. 100 to Rs. 5,000
  • 1 EDGE reward point per Rs. 100 on other spends
  • 1% fuel surcharge waiver, up to Rs. 50 per month, on fuel spends of Rs. 400 to Rs. 4,000
  • 15% off up to Rs. 500 on dining bills at select restaurants via EazyDiner
  • 10% discount on booking movie tickets through BookMyShow app or website
Should you get this card?
IndianOil Axis Credit Card is designed for users looking to save on fuel expenses. The card offers value back through reward points for fuel spends at IndianOil outlets. Cardholders can get up to 4% value back on their fuel spends, along with accelerated reward points on online shopping. Also, other benefits, like discount on movie tickets and dining, enhance the overall value of this card. Overall, this is a decent option for people who commute daily and are looking for an option to save on their fuel expenses, along with basic benefits across other categories.

Check Eligibility For Top Credit Cards | Read more about IndianOil Axis Credit Card

Tata Neu Plus HDFC Credit Card: Co-branded benefits

Tata Neu Plus HDFC Credit Card

Annual Fee: Rs. 499

Another card in this list is a co-branded credit card with Tata Neu that offers benefits on all 10+ partner Tata brands, including Tata 1MG, BigBasket, Croma, Air India Express, Westside, and others. The card is a base variant of the Tata Neu Infinity credit card that comes at a higher fee of Rs. 1,499.

Key Features of Tata Neu Plus HDFC Credit Card:

  • Bonus 499 NeuCoins on Tata Neu App on completing the first transaction within 30 days of card issuance
  • 2% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands
  • 1% back as NeuCoins on non-Tata brand spends and any merchant EMI spends
  • 1% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
  • An additional 5% back as NeuCoins via the Tata Neu app/website
  • Redemption Value: 1 NeuCoin = Rs. 1
  • 4 complimentary domestic lounge visits every year (max. 1 per quarter).
  • Annual fee waiver on spending Rs. 1 Lakh in a year.
  • 1% fuel surcharge waiver, up to Rs. 250 in a month, at all fuel stations across India on fuel spends of Rs. 400 to Rs. 5,000.
Should you get this card?
The card is an excellent choice for those who frequently shop at the partnered brands. Rewards on the card are offered as NeuCoins, redeemable across the group brands. Due to the multi-brand benefits here, users have the flexibility to redeem rewards, unlike most co-branded cards that restrict it to 1-2 brands. Additionally, the extended benefits on UPI payments through the RuPay variant is an added advantage for users who like to save on their everyday spends.

Check Eligibility for Top Credit Cards | Read more about Tata Neu Plus HDFC Credit Card

Cashback SBI Card: Good cashback across all online spends

Cashback SBI Card

Annual Fee: Rs. 999

Cashback SBI Card is another credit card to opt for if you are looking for great cashback options on your credit card transactions. The card does not require higher-income eligibility yet provides good cashback features such as 5% cashback on online spends. Apart from that, you can earn 1% cashback on other expenses. The cashback earned on this card is auto-credited to your SBI Card account.

Key Features of Cashback SBI Card:

  • 5% cashback on all online spends
  • 1% flat cashback on all offline transactions
  • 1% fuel surcharge waiver across all petrol pumps in India on transactions between Rs. 500 to Rs. 3,000
  • Annual fee reversal on spending Rs. 2 lakh in a year
Should you get this card?

Cashback SBI Card is a good option if you have a low income, but want to save more with a credit card. It is a perfect combination of cashback and online shopping credit cards. The good thing is that there are no merchant restrictions. The cashback rate offered on this credit card is one of the highest among other cashback credit cards. This can be a great addition to your wallet if you frequently shop online and are looking for an option to save on your online transactions.

Check Eligibility for Top Credit Cards | Read more about Cashback SBI Card

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