Best Credit Cards for beginners 2025: Top 5 Credit Cards for beginners

Are you new to the credit cards world and wondering which one to choose? Due to the availability of so many options in the market, especially for beginners, it becomes difficult to find the right one. Don't worry, As we have collected a list of the top credit cards for beginners in India, which caters to various requirements and needs. Whether you're looking for rewards, shopping benefits, or simply building your credit history, there's a card made for you.

1. Axis Ace Credit Card

This credit card is perfect for people looking for easy applications and great rewards. With amazing deals on everyday expenses like food, groceries and utility bill payments, this is one of the best credit cards for beginners.

 

Main features

1. 5% cashback on utility bill payments, DTH, and mobile recharges via Google Pay.
2. 4% cashback on Swiggy, Zomato, and Ola.
3. Unlimited 2% cashback on all other spends, excluding fuel.
4. 4 complimentary domestic airport lounge visits per year.
5. Annual fee waived off on annual spends of Rs. 2 lakh or above.
6. 1% fuel surcharge waiver up to Rs. 500.

2. Standard Chartered Super Value Titanium Credit Card

Ideal for beginners who want to earn rewards on essential expenses, this card offers savings on fuel, utility bills and food, adding value to everyday purchases.

Main features

1. 5% cashback on utility bills, phone recharges, and fuel purchases.
2. 1 reward point for every Rs. 150 spent on other purchases.
3. Exclusive offers through Standard Chartered’s Good Life program.
4. No additional charges for add-on cards.

3. SBI SimplyCLICK Credit Card

Designed for those making online purchases, this simple credit card rewards you for spending on the e-commerce platform. With frequent awards on online shopping, this is an ideal option for beginners who often do online shopping.

Main features

1. 10X reward points on partner websites like BookMyShow, Myntra, Swiggy, and more.
2. 5X reward points on all other online purchases.
3. 1 reward point per Rs. 100 spent on other purchases.
4. Annual fee waived off on annual spends of Rs. 1 lakh or more.
5. 1% fuel surcharge waiver up to Rs. 100 per month.

4. HSBC Visa Platinum Card

A great option for those who want rewards at every expense, the HSBC Visa ****Platinum Card offers special privileges like dining discounts and fuel surcharge, making it a great option for beginners.

Main features

1. Zero joining, annual, and renewal fees.
2. 2 reward points for every Rs. 150 spent.
3. 15% off at partner restaurants.
4. Option to convert air miles into flight bookings.

5. Amazon Pay ICICI Bank Credit Card

For those who make frequent purchases on Amazon, this card is perfect as it offers amazing benefits on Amazon purchases along with benefits in any category.

Main features

1. 5% cashback on Amazon purchases for Prime members (3% for non-Prime members).
2. 2% cashback on bill payments and recharges.
3. 1% cashback on all other spends.
4. No joining or annual fees.

Choosing the right credit card at starting can keep the foundation for a healthy financial journey. Whether you are looking for rewards, discounts, or low fees, there is a card designed to meet your needs. Make sure to compare the benefits, fees and rewards of each item before making a decision.