It’s only normal for beginners to experience confusion when applying for their first credit card given the plethora of possibilities available. Even non-beginners frequently struggle to find the best card among the rest. But don’t worry, we’ll guide you in selecting the ideal card based on your demands and specifications.
The best entry level credit cards in India are:
SBI SimplyCLICK Credit Card:
The SimplyCLICK SBI Credit Card should be a part of your wallet if you love shopping. It offers amazing savings on your regular purchases. This card gives quicker purchasing perks as well as welcome vouchers, fuel surcharges, premium security, and waivers of yearly fees, among other things.
Joining fee:
- Rs. 499
Benefits:
- With special partners including Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds, you can receive 10X rewards on your online purchases.
- For every transaction between Rs. 500 and Rs. 3000, 1% of the fuel surcharge is waived.
Axis Bank Ace:
The Axis Bank ACE Credit Card has a great cashback return. It is the best option for those who desire an unlimited cashback credit card but do not want to pay a big yearly fee. In addition to rewards, it provides users with free dining and airport lounge access.
Joining fee:
- Rs. 499
Benefits:
- With this credit card, you can receive a variety of incentives, such as 5% cashback on Google Pay for bill payments and phone, DTH, or other recharges, 4% cashback on Swiggy, Zomato, and Ola, and 2% cashback on all other purchases.
- When using the Axis Bank ACE Credit Card, you will also be entitled to up to 4 complimentary visits to domestic airport lounges per year.
Standard Chartered Smart:
One of the best entry-level credit cards that beginners absolutely should not overlook is the Standard Chartered Smart credit card which offers cashback on all online and in-store purchases made with the card.
Joining fee:
- Rs. 499
Benefits:
- With the Standard Chartered Smart Credit Card, purchases exceeding Rs. 2,000 can be converted into 3-month EMIs. There will be no processing fee and a lower interest rate of 0.99% on your EMIs.
- Cashback of 2% with every online purchase made and 1% cashback on all other purchases.
Citibank cashback credit card:
People who want to earn rewards each time they use their credit cards should consider the Citi Cash Back Credit Card. Customers who often use credit cards for everyday transactions can take advantage of this card because it gives attractive rewards on purchases such as movie tickets, electricity, and cellphone bills.
Joining fee:
- Rs. 500
Benefits:
- When using this card to pay electricity charges, cinema tickets, or phone bills through Citi Bill Pay or Citibank Online Payments, users can get 5% cashback. The consumer will get a 0.5% reward on any other purchases.
- You can get up to 20% discount at all partnered restaurants.
Amazon Pay ICICI Credit Card:
For people who primarily purchase on Amazon, the Amazon Pay ICICI Credit Card is a solid choice. It has no joining or yearly fee and provides numerous cashback perks, and discounts, among several other things.
Joining fee:
- Nil.
Benefits:
- For PRIME customers, Amazon will give 5% cashback on purchases, and for non-PRIME members, there is a 3% cashback offer on Amazon purchases.
- Enjoy a 1% fuel surcharge waiver.
BOTTOM LINE:
These cards are most suitable for newcomers who have only recently begun their professional careers and would like to improve their credit scores and take advantage of benefits.
Additional Reading: Your Guide To Use Credit Card Reward Points