Which can be the best credit cards for us in India? Every credit card is not for everyone, everyone has their own different needs, every credit card has some advantages and some disadvantages, but by using credit card as per the requirement, we can make our work easy and get very good rewards and save our money. Through this content, we have tried to provide you information about such credit cards that can fulfill your needs, whether you are from a beginner stage to an expert, this information will prove to be useful to you.
Why Your First Credit Card Is Important
Getting your first credit card is a big step. If you choose the right one, it can help you :
- Build a strong credit score
- Earn cashback and reward points
- Learn how to manage money better
Nitish’s Note: “When I was in college, I didn’t know much about credit cards. I picked the wrong one and had to pay a ₹500 late fee in the first month! I don’t want you to make the same mistake. So, I’ve made this guide for you.”
Top 3 Best Credit Cards for Beginners in India – 2025
1. SBI SimplySAVE Credit Card
Why it’s good: Great rewards on everyday spending like food, movies, and groceries.
- Annual Fee: ₹499 (Free if you spend ₹1 lakh in a year)
- Rewards: 10X points on dining, groceries, movies, and departmental stores
- Fuel Surcharge Waiver: 1% off for spends between ₹500–₹3,000
- Approval: Easy for salaried people
Nitish’s Tip: “I use this card for groceries and Zomato orders. In just 3 months, I got rewards worth ₹1,000!”
2. Axis Bank MyZone Credit Card
Best for: People who love watching shows and going to movies.
- Joining Fee: ₹500 (Free for 1st year)
- Offers: Buy 1 Get 1 Free movie tickets on Paytm
- Freebie: 1-year SonyLiv Premium subscription
- Rewards: 4 EDGE points per ₹200 spent
Nitish’s Tip: “If you love Netflix-style binge watching, this card is great. I use it to save money on movie tickets and streaming.”
3. ICICI Platinum Chip Card (Visa)
Best for: Beginners who want a simple, lifetime free card.
- Annual Fee: ₹0 (No charges at all)
- Rewards: 2 PAYBACK Points per ₹100 spent on shopping
- Security: EMV chip & contactless for safe payments
- Approval: Good for students or those with low salary
Nitish’s Tip: “This was my first credit card. It’s very simple – no fees and no stress.”
Quick Comparison Table
| Credit Card | Annual Fee | Rewards | Best For | Extra Benefits |
|---|---|---|---|---|
| SBI SimplySAVE | ₹499 | 10X Rewards | Daily Shopping & Food | Fuel Discount, Welcome Gift |
| Axis MyZone | ₹500 (Free 1st Yr) | EDGE Points | Entertainment & Movies | Free OTT, Movie Offers |
| ICICI Platinum Chip | ₹0 | PAYBACK Points | Beginners & Students | No Hidden Charges |
How to Choose Your First Credit Card
Keep these 5 things in mind before applying:
- Go for low or zero annual fees
- Choose cards that give rewards on your usual spending
- Make sure you can manage it through mobile app
- Read all terms carefully (watch out for hidden fees)
- A good card helps you build credit for future loans
Nitish’s Advice: “Start small. Use your card for food, fuel or online shopping. Pay full bill every month – it helps build a good credit score.”
How to Apply for a Credit Card Online
Here’s how to apply step-by-step:
- Visit the official bank website (e.g., SBI Cards, Axis Bank)
- Choose the credit card → Click ‘Apply Now’
- Fill your details: Aadhaar, PAN, Income proof
- Wait for the verification call or email
- Card gets delivered to your home in 5–10 days
Pro Tip: Don’t apply for 2-3 cards at the same time. It affects your credit score.
FAQs – Beginner Credit Card Questions
Q1: Which is the best beginner credit card in India (2025)?
A: SBI Simply SAVE and ICICI Platinum Chip are great for first-time users.
Q2: Can I get a credit card if my salary is below ₹20,000?
A: Yes, try ICICI Platinum Chip or go for FD-based secured credit cards.
Q3: Are credit cards safe to use online?
A: Yes, they are safe if you use OTP and don’t share your card details with anyone.
Final Thoughts by Nitish
Getting your first credit card is not just about spending — it’s about learning to manage money and preparing for the future. A good credit score helps you get loans, buy gadgets on EMI, and even helps during job background checks.
My Suggestions:
- Want a zero-cost card? Go for ICICI Platinum Chip
- Spend a lot on food & shopping? Try SBI SimplySAVE
- Love entertainment? Use Axis MyZone
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