Credit Card for Beginners

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.

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:

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

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 

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.