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Getting a credit card for beginners can help you improve your credit score, manage daily expenses, make the most of your spending, and more. Additionally, it is a financial tool that can help you achieve these goals without burdening your savings.

 

You can apply for lifetime-free credit cards that can give you access to exciting benefits like rewards, lounge access, and easy EMI conversions, without paying the annual fee. This can help you boost your financial history and also, offer you stability when on a budget.

Some of the Best Credit Cards for Beginners in 2024

The best credit card for beginners is subjective and based on how you use it. As such, you must compare their features, benefits, costs, and more. 

 

Here are some of the best entry-level credit cards that you can choose from if you’re just starting your credit journey:

Credit Card

Fees and Charges

Card Category

Ideal for 

IndusInd Bank Legend Credit Card

  • Joining Fee: Nil

  • Annual Fee: Nil 

Rewards

Travel

MakeMyTrip ICICI Bank Platinum Credit Card

  • Joining Fees: ₹500

  • Annual Fees: Nil

Cashback

Travel

MakeMyTrip ICICI Bank Signature Credit Card

  • Joining Fee: ₹2,500

  • Annual Fee: Nil 

Cashback

Travel

IndusInd Bank Platinum Aura Edge Credit Card

  • Joining Fee: Nil

  • Annual Fee: Nil 

Rewards

Travel

IndusInd Bank Platinum Master Credit Card

  • Joining Fee: Nil

  • Annual Fee: Nil

Rewards

Travel and Shopping

Axis Bank Freecharge Plus Credit Card

  • Joining Fee: ₹350

  • Annual Fee: ₹350, waived off for the first year

  • (The annual fee will be waived on annual spends of ₹50,000 and above)

Cashback 

Shopping

ICICI Platinum Chip Credit Card

  • Joining Fee: Nil

  • Annual Fee: Nil 

Rewards

Secure Payments

SBI Unnati Credit Card

  • Joining Fee: Nil 

  • Annual Fee: ₹499 (waived for first four years)

Rewards

Shopping

Disclaimer: Some of the listed cards are not available on Bajaj Markets. Kindly head to the respective issuers’ official website for the application process.

 

Features of Some of the Best Credit Cards for Beginners

Here are key features of some of India’s top credit cards for beginners: 

1. IndusInd Bank Legend Credit Card

Would you like to make the most of your adventures and excursions? Get the IndusInd Bank Legend Credit Card and gain access to the following features:

  • 2 reward points for every ₹100 spent on weekends

  • Priority Pass Program

  • Forex discounts 

  • 1 complimentary airport lounge visit per quarter

  • Concierge service benefits

2. MakeMyTrip ICICI Bank Platinum Credit Card

Planning for your next dream holiday? The ICICI MMT Platinum Credit Card is the perfect add-on as it offers the following:

  • ₹500 My Cash upon joining 

  • MakeMyTrip holiday voucher worth ₹3,000

  • Benefits worth up to ₹15,000*

  • Complimentary domestic airport and railway lounge access 

  • Extended validity of 1.5 years on My Cash 

 

Disclaimer: *As per the illustration mentioned in the applicable T&Cs on the official website.

3. MakeMyTrip ICICI Bank Signature Credit Card

The MakeMyTrip ICICI Bank Signature Credit Card is a premium travel-friendly credit card designed to help avid travellers get more out of every transaction. Here are the key features: 

  • Onboarding benefit of My Cash worth ₹1,500

  • MakeMyTrip voucher worth ₹2,500

  • Complimentary MMTBLACK Exclusive membership

  • My Cash on domestic and international spends

  • Milestone benefits worth up to 4,000 My Cash 

4.  IndusInd Bank Platinum Master Credit Card

Secure your travels and go big on shopping with the IndusInd Bank Platinum Master Credit Card! Here’s what you get:

  • 1.5 reward points for every ₹150 spent through the card

  • Lost baggage cover of up to ₹1 Lakh

  • 1% fuel surcharge waiver

  • Air Accident Cover of up to ₹25 Lakhs

5. IndusInd Bank Platinum Aura Edge Credit Card

Save on your travel bookings to the maximum! Get the IndusInd Bank Platinum Aura Edge Credit Card with features including:

  • Redemption of reward points against outstanding dues or for airmiles

  • 4 points for every ₹100 spent on departmental store expenses

  • 4 points for every ₹100 spent on hotel expenses

  • 4 points for every ₹100 spent on restaurant bills

  • 1% fuel surcharge waiver

6. Axis Bank Freecharge Plus Credit Card

Make everyday expenses exciting with the Axis Bank Freecharge Plus Credit Card. It offers exclusive features like 

  • Get cashback on every spend

  • Accelerated 5% cashback on Freecharge spends 

  • Best of dining with Axis Bank Dining Delights Program

  • 2% cashback on buses, cabs, and other local commute

7. ICICI Bank Platinum Chip Credit Card

The ICICI Bank Platinum Chip Credit Card is a lifetime-free credit that offers great value and a hassle-free experience. Here are the features:

  • Lifetime-free cards 

  • Enjoy quick and convenient payments with contactless technology 

  • Fuel surcharge waiver

  • Redeem reward points against exciting gifts and vouchers

  • Enhanced security to keep you protected from fraud

8. SBI Unnati Credit Card

It is a great beginner-friendly card that comes with some exciting and exclusive features, including:

  • Get 1 reward point for every ₹100 spent

  • Redeem your rewards against attractive gifts from the Rewards Catalogue

  • Receive milestone benefits worth up to ₹500

  • Complete fuel freedom with a 1% fuel surcharge waiver 

  • Wave and pay with contactless technology 

How to Choose Your First Credit Card

Here are some things you should consider before getting your first credit card:

  • Evaluate Options

When it comes to your finances, it is always wise to take a measured approach. Hence, when choosing your first credit card, pick the one that is easy to manage.

  • Keep a Check on Your Credit Score 

While a credit card can support you when it comes to expenses and savings, it can impact your journey to a good or bad credit score. Hence, you must ensure that you are ready for a credit card. 

  • Understand the Fees and Charges

Your first credit card could be a means to help you practice better financial management. Go through the fees and charges associated with it to ensure you choose a feasible option. 

  • Look for Rewards

Multiple credit cards allow you to earn while you spend, with multiple offers like cashback, reward points on spends, vouchers, and more. Ensure you keep an eye for such spend-based rewards.

Frequently Asked Questions

Which credit card should I get as a beginner?

The ideal credit card is one that offers a number of benefits while still being affordable for you. If you’re just starting out, then you can consider getting a lifetime-free credit card.

What are the fees and charges associated with beginner-friendly credit cards?

The charges of a credit card for beginners vary depending on the card and issuer. It can range from being free with no annual or joining fee to ₹500 and upwards.

What is the easiest way to get a credit card with no credit score?

A secured credit card that’s backed by a fixed deposit is one of the easiest ways to get your hands on a credit card without a credit score. You can build your credit score using these cards and then get a different card if you need to.

Which bank gives credit cards easily?

Applying for a credit card is quite easy and can be done online in a few easy steps. You may also apply for a credit card on Bajaj Markets. Enjoy a fully digital application process, along with different eligibility terms, rewards, and cashback on spends.

Which is the best credit card for beginners with no credit?

There are many credit cards that are specifically for new-to-credit customers who have no or limited credit history. Alternatively, you may also opt for a secured credit card that’s backed by a fixed deposit.

Which is the best credit card for beginners with no annual fee?

There are a number of great credit cards that come with no annual fee. Some zero annual fee credit cards that are worth looking into are the ICICI Bank Platinum Chip Credit Card, SBI Unnati Credit Card, and ICICI Bank Platinum Master Credit Card.

Can a beginner get a credit card with no credit score?

Yes, you can get started with a secured credit card, which is backed by a fixed deposit with the issuer. These are relatively easy to get. You can use them to build your credit score and then switch to one that offers exciting benefits.

Can I get a credit card without a job?

It can be quite challenging to get a credit card if you are unemployed. However, if you absolutely need a credit card, you can ask a family member to authorise you as an add-on cardholder. 

 

Alternatively, you may apply for a secured credit card. Since credit on these cards is usually issued on a lien on a fixed deposit, they’re comparatively easy to obtain.

Which banks give credit cards easily?

Getting a credit card is relatively easy these days, especially if you have a good credit score and a regular source of income. If you’re looking to get a credit card with minimal effort, you can apply for a credit card on Bajaj Markets. 

 

You can choose from several travel-friendly, cashback, lifetime-free credit cards or others that offer a great rewards program. 

Can I get a credit card with ₹9000 salary?

Yes, you can get a credit card with a salary of ₹9,000. Make sure to choose a secured credit card and pick one that has a low annual fee.

Which credit card is best for freshers?

As a beginner, you could pick a lifetime-free credit card which has NIL joining or annual fees. If your daily commute depends on your personal vehicle, you can opt for a fuel credit card with refuelling benefits. 


You can also choose a shopping credit card if you shop frequently. Additionally, if you travel often, special travel credit cards can offer you exclusive discounts and privileges. You can find many credit cards that fit these categories on Bajaj Markets.

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