There is no doubt that credit cards are loaded with numerous benefits like rewards, cashback, lounge access, exclusive discount and more. Most of the cafrds that offer decent benefits come with a high joining 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 35,000 per month. Here we have listed the top credit cards for beginners in India offering varied benefits to the users.
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Best Entry Level Credit Cards in India December 2024
Cashback SBI Card
Joining fee: ₹999
Annual/Renewal Fee: ₹999
5% cashback on all online spends
1% cashback across all offline spends
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
Axis Bank ACE Credit Card
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
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
Amazon Pay ICICI Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
Up to 5% cashback on Amazon purchases
1% cashback across all offline spends
Product Details
- 5% cashback on Amazon spends for Prime members
- 3% cashback on Amazon spends for Non-prime members
- 2% cashback on spends at Amazon Pay partner merchants
- 1% cashback on other spends
- 1% waiver on fuel surcharge across all petrol pumps in India
Flipkart Axis Bank Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
5% cashback on transactions at Flipkart and Cleartrip
4% cashback on partner merchants, like Swiggy, PVR, Uber, etc.
Product Details
- 1% cashback across other spends
- 4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year
- Activation benefits worth Rs. 600 from Flipkart and Swiggy
- 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
HDFC MoneyBack+ Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
10X CashPoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket
5X CashPoints on EMI transactions at select merchants
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
Standard Chartered EaseMyTrip Credit Card
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
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
- 1 complimentary domestic lounge visit per quarter & 2 complimentary international lounge visits per year
Airtel Axis Bank Credit Card
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
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
PVR INOX Kotak Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹499
Free movie tickets worth Rs. 300 each every month
Flat 20% off on food & beverages at PVR
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
SBI SimplyCLICK Credit Card
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
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
HDFC Bank Times Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
2.5X reward points on dining spends
Complimentary Times Prime Membership
Product Details
- Complimentary annual Times Prime Membership & vouchers worth Rs. 5,000 at the time of joining
- 25% discount on movie tickets booked via BookMyShow
- Up to 5% cashback on utility bills and shopping spends
- Up to 10% discount on dining at select restaurants via EazyDiner
- Up to 20% discount on select online & offline spends
IndianOil Axis Bank Credit Card
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
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
Popular Credit Cards in India | Check Eligibility for Top Credit Cards