Credit Cards for Beginners

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Top Credit Cards for Beginners

A credit card allows users to spend a certain amount every month according to the limit approved by the bank. It analyses the financial profile and goodwill of the customer before approving the limit of a credit amount. The amount expended by the customers has to be paid back to the bank every month. In case a customer exceeds the bill date, the bank charges a late penalty.

The best credit cards for beginners will fulfill your love to travel, shop, and dine across the country. The transactions made through this card earn you credit card reward points which can be redeemed later via vouchers and discounts.

It is very important to know everything about the recommended credit cards for beginners before you apply for them. Beginners generally have many questions like credit card eligibility criteria, annual fees, and other credit card features and benefits.

List of Best Credit Cards for Beginners 

Every card launched by a bank has been designed to satisfy the needs and goals of different categories of people. The very first thing you need to do is identify your needs and goals for which you are getting a credit card. This would help you get the best starter credit card with the most number benefits. 

For example, if your main spending field is shopping, then you should choose a shopping credit card that is packed with benefits on shopping. The same goes for travel credit cards, dine-in cards, etc. Here is a brief description of the top credit cards for beginners.

  • Citibank Cashback Credit Card

As the name suggests, the Citibank cashback credit card users enjoy cashback on all purchases and transactions. The annual fee of this credit card is Rs. 500 and with no joining fee  The bank also charges penalties in case of late payments, which can go up to Rs. 1,300

Here are the features of this card:

  • Additional savings of up to Rs. 3,300.

  • 5% cashback on booking movie tickets and paying utility bills.

  • 0.5% cashback on all transactions.

  • 15% discount on dine-in at any of the partner restaurants.

  • Benefits on fuel at Indian Oil stations.

  • Automatic cashback credited in the account.

  • 1.8% is charged on the transaction value as a railway ticket booking surcharge.

The eligibility criteria for the card is -

  • You must be earning at least Rs. 25,000 per month to fit in the eligibility criteria of this card.

  • The applicant should be at least 18 years old.

  • American Express Membership Rewards Credit Card

The American Express Membership Rewards Credit Card is one of the best credit cards for beginners in India. The main reason why this credit card is so popular is the number of benefits that the card offers. The annual fee for this credit card is Rs. 1,000. Here are some features of this card -

  • 4000 bonus reward points as a welcome perk.

  • If you make four or more transactions of Rs. 1,000 or above in a month, you will get 1000 bonus reward points.

  • You will have one bonus reward point on any transaction of Rs. 50 or above excluding transactions on fuel, cash advance, insurance, or utilities.

  • 20% discount on dine-in at any of the partner restaurants.

  • You can get 5000 bonus reward points on renewing your credit card in the second year.

The eligibility criteria for American Express Membership Rewards Credit Card is -

  • You must be an Indian citizen

  • You must be a resident of the serviceable cities.

  • Your income should be Rs. 6 Lakhs or more.

  • You should be at least 18 years old.

  • Good credit score and history(in case of an old customer).

  • Standard Chartered Super Value Titanium Credit Card

While there are already many credit cards that focus on shopping/travel/dine-in benefits, the Standard Chartered Super Value Titanium Credit Card specializes in benefits on fuel spending. The annual fee of this credit card is Rs. 750 and the renewal fee is also Rs. 750. Here are some other features of this Standard Chartered credit card

  • 5% cashback on transactions regarding utilities, phone recharges, and fuel spending.

  • One reward bonus point on every transaction of Rs. 150 or above.

  • Exclusive schemes under Standard Chartered good life program.

  • Free of cost add-on credit cards available.

The eligibility criteria for Standard Chartered Super Value Titanium Credit Card is -

  • You must be either self-employed or a salaried employee.

  • You must earn at least Rs. 55,000 on a monthly basis.

  • You must be a resident of any of the serviceable cities.

  • HSBC Visa Platinum Card

Another one of the best credit cards for beginners in India. The best facility offered with HSBC Visa Platinum Card is that there is no system of renewal in this card. Not just that, the annual fee, renewal fee, and joining fee of this card are also zero. Here are some other features of this card -

  •  Two reward bonus points on every transaction of Rs.150 or above.

  • 15%  discount on dine-in at any of the partner restaurants.

  • Provides benefits on booking of flight tickets.

  • The more you spend, the more reward bonus points you get.

The eligibility criteria for HSBC Visa Platinum Card is -

  • The minimum and maximum age of any applicant can be 18 years and 65 years respectively.

  • The applicant must be either a salaried employee or self-employed.

  • The annual salary must be at least Rs. 4 Lakhs (salaried employee)

  • You must be a resident of any of the serviceable cities.

  • HDFC Regalia Credit Card

This card is designed in such a manner that it satisfies the requirements of all types of users, be it a person who spends on shopping, traveling, food, or any other thing. This card is best suited for all types of spenders. The annual fee of this card is Rs. 2,500. Here are some other features of the credit card -

  • 2500 bonus reward points as a welcome perk as well as renewal perk every year.

  • Complimentary Access to 12 visits to lounges in a year.

  •  Four reward bonus points on every transaction of Rs.150 or above.

  • Multiple options to redeem your bonus reward points.

  • Death cover for air accidents and hospital emergency cover overseas.

The eligibility criteria for HDFC Regalia Credit Card

  • The applicant must be either a salaried employee or self-employed.

  • The minimum and maximum age of any applicant can be 18 years and 65 years respectively

FAQs

  • ✔️Which is a good credit card for a beginner?

    Various credit cards are launched by different banks that are designed especially for beginners. Some of the top credit cards for beginners are:

    • Citibank Cash Back Credit Card

    • American Express Membership Reward Credit Card

    • Standard Chartered Super Value Titanium Credit Card

    • HSBC Visa Platinum Card

    • HDFC Regalia Credit Card.

  • ✔️Can a Beginner get a credit card with no credit score?

    Yes, a beginner without any credit score can get a credit card. Although, in such a scenario you should have a good impression from income level and other factors that would showcase good creditworthiness. Here are some  credit cards that you can get without a credit score:

    • Get a secured credit card

    • Get an add-on credit card

    • Credit card against savings account

    • Apply for a prepaid credit card