Best 16 Credit Cards For Beginners In India 2022 | Top 16 Credit Cards For Beginners In India 2022

If you are about to get your very first credit card, it can be really challenging to choose the right one. The perfect first credit card depends on a combination of various factors; your monthly income, the annual fee you are willing to pay, your present credit score, and lots more. But the ideal credit card would be a secured credit card or a low-cost/zero annual fee credit card. 

To make things easier for you we have listed the 16 entry-level credit cards which I think will be useful for beginners. Take a look at them and hopefully, you will find your dream card.

If you are a newcomer and looking for a starter-level credit card then you should take a look at the IDFC First Bank First Millennia Credit Card. Although it is an entry-level credit card, it has some awesome features like; reward points on every transaction, exclusive discount on movie tickets, huge deals on lifestyle categories, and lots more. You can find more about the benefits from the complete idfc first millennia credit card review.

IDFC First Bank First Millennia Credit Card

What are the IDFC Milennia Credit Card charges?

  • IDFC First Bank First Millennia Credit Card joining fee: None. 
  • IDFC First Bank First Millennia Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8.5/10

What are the major IDFC Milennia Credit Card benefits?

  • This idfc credit card offers up to 6X reward points for every Rs.100 transaction.
  • You will get up to a 20% discount on your dining bills.
  • There is also a 25% discount on movie tickets on this idfc first credit card.
  • You will also get a 15% discount on lifestyle categories.

Pros and Cons:

Pros Cons
  • The rate of earning reward points is quite impressive.
  • This card also offers a bid discount on dining bills.
  • There are also some exclusive deals on lifestyle categories.
  • You will not get any travel booking benefits from this idfc bank credit card
  • The amount of discount you can earn from movies is not that impressive.
  • Axis Bank Insta Easy Credit Card

The Axis bank Insta Easy credit card is one of the most popular secured credit cards available in India. Targeting the newcomers, this card offers reward points on every transaction, a huge discount on dining, a low-cost EMI option, and lots more. You can find more about the benefits from the complete axis bank insta easy credit card review.

Axis Bank Insta Easy Credit Card

What are the Axis Bank Insta Easy Credit Card charges?

  • Axis Bank Insta Easy Credit Card joining fee: None.
  • Axis Bank Insta Easy Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major Axis Bank Insta Easy Credit Card benefits?

  • You can earn up to 6 reward points for every Rs.200 transaction.
  • The axis bank insta easy credit card offers a 15% discount on dining bills.
  • You can also earn Rs.400 monthly waiver on fuel surcharges.
  • This axis bank insta easy credit card features a low-cost EMI facility, which is very helpful for frequent shoppers.

Pros and Cons:

Pros Cons
  • You can get this Axis Bank Insta Easy Credit Card against fixed deposit account which is helpful for first-time applicants.
  • The rate of earning Axis Bank Insta Easy Credit Card reward points is quite impressive.
  • You can also earn a huge discount on dining bills.
  • This card doesn’t have any entertainment benefits.

*If you want to know how to activate axis bank insta easy credit card then make sure to take a look at the 100xGain faq page.

  • Kotak 811 Dream Different Credit Card

The kotak 811 dream different credit card is unmatched when it comes to simplicity and usefulness. Targeting the newcomers in the credit card market, this card offers reward points on every transaction, exclusive waiver on fuel and railways surcharges, bonus rewards on milestone spending, and lots more. You can find more about the benefits from the complete kotak 811 dream different credit card review.

Kotak Dream Different Credit Card Review

What are the Kotak 811 Dream Different Credit Card charges?

  • Kotak Dream Different Credit Card joining fee: None.
  • Kotak Dream Different Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major Kotak 811 Dream Different Credit Card benefits?

  • This kotak bank credit card offers up to 2 reward points for every Rs.100 transaction.
  • You can earn up to Rs. 3500 annual waiver on fuel surcharges.
  • You can also get some exclusive benefits on completing milestone transactions.

Pros and Cons:

Pros Cons
  • You can earn handsome annual waivers on fuel surcharges.
  • This Kotak Mahindra Bank Credit Card also offers some attractive milestone bonuses.
  • It is a lifetime free credit card.
  • The rate of earning Kotak 811 Dream Different Credit Card reward points is not that impressive.
  • Bank of Baroda Prime Credit Card

If you are now in the credit card market and looking for a straightforward credit card to begin with, then The Bank of Boroda Prime Credit Card would be a decent choice for you. It lets you enjoy reward points on every transaction, exclusive waiver on fuel surcharges, complimentary lost card liability coverage, and lots more. More about the benefits are discussed in the complete bank of baroda prime credit card review.

Bank of Baroda Prime Credit Card

What are the Bank of Baroda Prime Credit Card charges?

  • Bank of Baroda Prime Credit Card joining fee: None.
  • Bank of Baroda Prime Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the key benefits of Bank of Baroda Prime Credit Card?

  • This card offers a 1% cashback on every transaction made using this card.
  • You can also earn up to 4 reward points for every Rs.100 transaction.
  • You can get up to Rs. 250 monthly waiver on fuel surcharges.
  • You will also get complimentary lost card liability coverage on this card.

Pros and Cons:

Pros Cons
  • This card offers cashback on every transaction.
  • The rate of earning reward points is also very good.
  • You can also earn a handsome waiver on fuel surcharges.
  • This card does not have any dining benefits. 
  • I will not get any entertainment benefits from this card.

*If you want to know about how to apply bank of baroda prime credit card then make sure to take a look at our faq page.

  • LIC Platinum Credit Card

When it comes to simplicity and usefulness, the lic platinum credit card can be a great choice for beginners. It lets you enjoy; exclusive waivers on fuel surcharges, reward points on every transaction, and lots more. Make sure to read the complete axis bank lic platinum credit card review to know more about the benefits. 

LIC Platinum Credit Card

What are the Axis Bank LIC Platinum Credit Card charges?

  • Axis LIC Platinum Credit Card joining fee: None.
  • Axis LIC Platinum Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major LIC Platinum Credit Card benefits?

  • This lic platinum credit card features up to 2 reward points for every Rs.100 transaction.
  • You can also earn up to Rs.400 monthly waiver on fuel surcharges.
  • You can also enjoy a low-cost EMI facility with this card.
  • This lic platinum axis credit card also comes with complimentary insurance coverage.

Pros and Cons:

Pros Cons
  • This lic platinum credit card offers a handsome monthly waiver on fuel surcharges.
  • We will get a low-cost EMI facility and complimentary insurance coverage protection with this card.
  • It is a lifetime free credit card.
  • The rate of earning lic platinum credit card reward points is not that impressive.
  • There are no dining and entertainment benefits on this lic axis bank platinum credit card.

*If you want to know about lic platinum credit card pin generation process then feel free to take a look at the 100xGain faq page.

  • Yes Bank FinBooster Credit Card

The yes bank finbooster credit card is a one-of-a-kind credit card offered by Yes Bank. This card is uniquely crafted to boost your creditworthiness with its complimentary Credit Strong subscription. More details of the card are discussed in the complete yes bank credit card review.

Yes Bank FinBooster Credit Card Review

What are the Yes Bank FinBooster Credit Card charges?

  • Yes Bank Credit Card joining fee: None.
  • Yes Bank Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major Yes Bank Credit Card benefits?

  • This yes bank credit card offers up to 5x reward points on your dining expenses.
  • You can earn up to Rs. 125 monthly waiver on fuel surcharges.
  • This yesbank credit card offers a one-year credit strong subscription.

Pros and Cons:

Pros Cons
  • The rate of earning yes credit card rewards is quite good.
  • You can also earn a handsome waiver on fuel surcharges.
  • It is a lifetime free credit card.
  • There are no entertainment benefits on this FinBooster yes bank credit card.
  • This card does not offer any travel booking benefits.
  • Bandhan Bank Standard Chartered Credit Card

When it comes to simplicity and usefulness, the bandhan bank standard chartered credit card is the choice of many Indians. While the card charges a very low annual fee of Rs. 299, it lets you enjoy; reward points on every transaction, exclusive waiver on fuel surcharges, bonus rewards on milestone spending, and lots more. You can find more details about this card from the complete review.

Bandhan Bank Standard Chartered Credit Card

What are the Bandhan Bank Credit Card charges?

  • Bandhan Bank Credit Card joining fee: Rs. 299 + GST
  • Bandhan Bank Credit Card annual fee: Rs. 299 + GST

100xGain Rating:

7/10

What are the major Bandhan Bank Standard Chartered Credit Card benefits?

  • You can earn up to 5 reward points for every Rs.150 transaction.
  • On spending Rs. 60,000 within a year, you can get a complete waiver on your annual fee.
  • You can earn some handsome waivers from fuel surcharges.

Pros and Cons:

Pros Cons
  • The rate of earning reward points is quite good.
  • There is an annual fee waiver option available on this Bandhan Bank Standard Chartered Credit Card.
  • You will not get any discount or cashback benefits from this standard chartered Bandhan Bank Credit Card.
  • ICICI Bank Instant Platinum Credit Card

The icici bank instant platinum credit card is specially designed for those who don’t have enough credit scores to apply for a card. This card offers powerful rewards on every transaction, huge discounts on dining bills, exclusive deals on movie tickets, etc. If you are interested, then feel free to take a look at the complete icici bank instant platinum credit card review.

ICICI Bank Instant Platinum Credit Card

What are the ICICI Bank Instant Platinum Credit Card charges?

  • ICICI Bank Instant Platinum Credit Card joining fee: None. 
  • ICICI Bank Instant Platinum Credit Card annual fee: Free for a lifetime.

100xGain Rating:

6.5/10

What are the major ICICI Bank Instant Platinum Credit Card benefits?

  • This icici bank instant platinum credit card offers up to 2 reward points for every Rs.100 transaction.
  • You will also get a 20% discount on your dining bills. 
  • You can earn up to 100 discount on movie ticket booking from BookMyShow.
  • This icici bank instant platinum credit card features a 1% waiver on fuel surcharges.

Pros and Cons:

Pros Cons
  • You will get a big discount on your dining bill.
  • This card offers an attractive discount on movie ticket booking.
  • You can also earn a handsome waiver on fuel surcharges.
  • The rate of earning reward points is not that great.
  • You will not get any travel benefits from this ICICI Bank Instant Platinum Credit Card.

*If you want to know about the icici bank instant platinum credit card activation process, then feel free to take a look at our faq page.

  • HDFC Bank ALL Miles Credit Card

If you are looking for a beginner’s travel credit card then you should take a look at the hdfc bank all miles credit card. This entry-level credit card lets you enjoy reward points on every transaction, an exclusive waiver on fuel surcharges, etc. You can find more about the benefits from the complete hdfc all miles credit card review.

hdfc bank all miles credit card

What are the HDFC All Miles Credit Card charges?

  • HDFC All Miles Credit Card joining fee: Rs. 1000 + GST
  • HDFC All Miles Credit Card annual fee: Rs. 1000 + GST

100xGain Rating:

6.5/10

What are the major HDFC Bank All Miles Credit Card benefits?

  • You can earn Up to 6 reward points for every Rs.150 transaction made on travel and everyday essentials.
  • This hdfc bank all miles credit card offers up to Rs. 500 monthly waiver on fuel surcharges.
  • On spending Rs. 1 lakh within a year, you will get a complete waiver on your next year’s annual fee.

Pros and Cons:

Pros Cons
  • This HDFC Bank All Miles Credit Card features a very good reward earning rate.
  • You will get a handsome waiver on fuel surcharges.
  • You can also get a complete waiver on the annual fee.
  • There are no dining and entertainment benefits on this All Miles HDFC Bank Credit Card.
  • Yes Prosperity Rewards Plus Credit Card

If you are looking for a credit card for everyday usage, then you should take a look at the yes prosperity rewards plus credit card. With powerful rewards on every transaction, exclusive waiver on fuel surcharges, and huge milestone benefits, this card can make your every transaction rewarding. More benefits of the card are discussed in the complete yes prosperity rewards plus credit card review.

Yes Prosperity Rewards Plus Credit Card

What are the Yes Prosperity Rewards Plus Credit Card charges?

  • Yes Prosperity Rewards Plus Credit Card joining fee: Rs. 499 + GST
  • Yes Prosperity Rewards Plus Credit Card annual fee: Rs. 499 + GST

100xGain Rating:

6.5/10

What are the major Yes Bank Prosperity Rewards Plus Credit Card benefits?

  • This yes bank prosperity reward plus credit card offers up to 6 reward points for every Rs.200 transaction.
  • You can earn up to 12,000 bonus points as a milestone reward.
  • This yes prosperity rewards plus credit card offers a big waiver on fuel surcharges.

Pros and Cons:

Pros Cons
  • This yes bank prosperity rewards plus credit card features a very good reward earning rate.
  • You can earn a big waiver on fuel surcharges.
  • There is also an annual fee waiver option available on this card.
  • There are no dining benefits on this card.
  • You will not get any movie benefits from this yes bank prosperity reward plus credit card.
  • OneCard Credit Card

If you don’t own a handsome credit score or don’t want to invest much on a fixed deposit to get a secured credit card then the OneCard Credit Card will be the best option for you. The best part is that you can get this card against a fixed deposit of just Rs.2000 and you will get a 110% credit limit. That means if you make a fixed deposit of Rs. 2000, then you will get a credit limit of Rs. 2200. For more more infirmation feel free to take a look at the complete onecard credit card review.

OneCard credit card

What are the OneCard Visa Credit Card charges?

  • OneCard Visa Credit Card joining fee: None. 
  • OneCard Visa Credit Card annual fee: None. 

100xGain Rating:

6.5/10

What are the major benefits of OneCard Credit Card?

  • You can earn up to 5X reward points for every Rs.50 transaction on the top 2 categories.
  • You can use the easy EMI option to split your high-value transactions into small monthly installments at a low cost.
  • You don’t need to provide any income proof to apply for this onecard visa credit card.

Pros and Cons:

Pros Cons
  • This card can be issued against a very low fixed deposit amount which is very helpful for students and newcomers.
  • The rate of earning one card credit card reward points is quite good.
  • There are no dining or entertainment benefits on this card.
  • There are no cashback or discount offers on this card.
  • Uni Pay Credit Card

The unipay credit card is probably the most unique credit card available in India. The most unique and attractive feature of this card is the no-cost EMI option, which allows you to split your monthly bills into small installments without paying any extra charges. You can find more about this card from the complete uni 1/3 card review.

Uni Pay 1/3rd Card Review

What are the Uni Pay Card annual charges?

  • Uni Pay Credit Card joining fee: None.
  • Uni Pay Credit Card annual fee: None.

100xGain Rating:

6.5/10

What are the major Uni 1/3 Card benefits?

  • This card allows you to split your monthly bill into 3 equal parts without paying any extra charges.
  • This card comes with a 3-month Zomato pro membership.
  • You can also get a 1% cashback on your total monthly bill. (If paid in full)

Pros and Cons:

Pros Cons
  • This card offers a no-cost EMI option which is very helpful for frequent shoppers.
  • You can also get a 1% cashback on the bill amount.
  • You will not get any dining or entertainment benefits from this card.
  • ICICI Bank Platinum Chip Credit Card

The icici bank platinum chip credit card is one of the most popular entry-level credit cards available in India. Making this card more attractive to beginners, this card offers reward points on every transaction, exclusive waiver on fuel surcharges, huge discounts on dining bills, and lots more. More details of the card are given in the complete icici bank platinum chip credit card review.

ICICI Bank Platinum Chip Credit Card

What are the ICICI Bank Platinum Chip Credit Card charges?

  • ICICI Bank Platinum Chip Credit Card joining fee: None. 
  • ICICI Bank Platinum Chip Credit Card annual fee: None.

100xGain Rating:

6/10

What are the major ICICI Bank Platinum Chip Credit Card benefits?

  • You can earn up to 2 Payback points for every Rs.100 transaction.
  • You can earn up to a 15% discount on your dining bills.
  • This icici bank platinum chip credit card offers a 1% waiver on fuel surcharges.

Pros and Cons:

Pros Cons
  • This card offers a handsome discount on dining bills.
  • The rate of earning reward points is also quite good.
  • It is a lifetime free credit card.
  • You will not get any travel or shopping benefits from this card.

If you are curious about the icici bank platinum chip credit card activation process then feel free to take a look at our faq page.

  • BOB Easy Credit Card

The bob easy credit card is one of the most straightforward and easy to handle credit cards available in India. Making this card more attractive to beginners it offers reward points on every transaction, cashback on monthly bill payments, and an exclusive waiver on fuel surcharges. You can find more about the benefits from the complete bob easy credit card review.

BOB Easy Credit Card

What are the BOB Easy Credit Card charges?

  • BOB Easy Credit Card joining fee: Rs. 500 + GST
  • bob Easy Credit Card annual fee: Rs. 500 + GST

100xGain Rating:

6/10

What are the major BOB Easy Credit Card benefits?

  • This bob easy credit card offers up to 5X reward points for every Rs.100 transaction.
  • You can earn up to 0.5% cashback on your monthly bill.
  • This card offers up to Rs. 250 monthly waiver on fuel surcharges.

Pros and Cons:

Pros Cons
  • The rate of bob rewards is quite impressive.
  • This card offers a good monthly waiver on fuel surcharges.
  • You can also get a complete waiver on your annual fee.
  • You will not get any dining, shopping, or entertainment benefits from this bank of baroda credit card.
  • BOI Swadhan Rupay Platinum Credit Card

If you are now in the credit card market and looking for a simple and easy-to-use credit card to begin with, then the BOI Swadhan Rupay Platinum credit card will be the best option for you. The best feature of the card is that you can get this credit card against a fixed deposit or term deposit account. If you are interested in the benefits, then feel free to take a look at the complete review.

BOI Swadhan Rupay Platinum Credit Card

What are the BOI Credit Card charges?

  • BOI Swadhan Rupay Platinum Credit Card joining fee: None.
  • BOI Swadhan Rupay Platinum Credit Card annual fee: Free for a lifetime.

100xGain Rating:

6/10

What are the major BOI Swadhan Credit Card benefits?

  • This bank of india credit card offers attractive cashback on every transaction you make.
  • This card allows you to set a monthly transaction limit which is very helpful if you want to keep a monthly budget.
  • This card offers a low-cost EMI facility, which is helpful for frequent shoppers.

Pros and Cons:

Pros Cons
  • You can get this card against a fixed deposit account.
  • It is a lifetime free credit card.
  • This card can be very helpful if you want to build a credit score.
  • You will not get any dining or entertainment benefits from this card.
  • This bank of india platinum credit card is not ideal for earning cashback or discounts.
  • Bank of India Domestic Credit Card

The boi india credit card would be the best option for those who have a good credit score but don’t have enough experience in handling a credit card. It is a lifetime free credit card that lets you enjoy reward points on every transaction, a low-cost EMI option, and a relatively lower interest rate which is very helpful for beginners. Make sure to read the complete review to know more about the details.

BOI India Credit Card

What are the Bank of India Domestic Credit Card fees?

  • Bank of India Domestic Credit Card joining fee: None. 
  • Bank of India Domestic Credit Card annual fee: Free for a lifetime.

100xGain Rating:

6.5/10

What are the major Bank of India Domestic Credit Card benefits?

  • This card offers reward points on every transaction.
  • This card offers a low-cost EMI facility which can be very helpful.
  • This card lets you enjoy the revolving credit facility with a lower interest rate of just 2.5% monthly.
  • This card offers a relatively lower interest rate of just 2.50% per month.

Pros and Cons:

Pros Cons
  • The interest rate on this card is relatively lower.
  • It is a lifetime free credit card.
  • There are no dining or shopping benefits on this card.
  • You will not get any discount or cashback offer from this card.

 

15 thoughts on “Best 16 Credit Cards For Beginners In India 2022 | Top 16 Credit Cards For Beginners In India 2022”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: