Top 10 Credit Cards in India 2025: Best Picks for Beginners and First-Time Users by Upniva
Choosing the right credit card may seem difficult at times when you require one. Specifically, if you’re looking to use a credit card for the first time, it seems more confusing. With so many alternatives available, it’s critical to pick one that fits your income potential and lifestyle.
At Upniva, a reputed fintech company in India, we ease your journey by carefully handpicking the most suited credit cards for beginners. Here, in this guide, there is a detailed insight on the Top 10 Credit Cards India 2025. Choose the Best one for Beginners and First-Time Users with the help of Upniva(Formerly Known as Refer Loan).
Smart Tips to Pick the Best Credit Card in India (2025)
- Know Why You Need One
Are you getting your first credit card? Just want to build credit? Pick a beginner credit card that matches your goal. - Look for No Fee Cards
Choose a no annual fee card to avoid extra charges—perfect for students and first-timers. - Start with Low Risk
If you have no credit history or a low CIBIL score, opting for a secured credit card is one of the easiest and safest ways to build your credit score and improve your chances of getting approved for future credit cards and loans. - Check the Credit Limit
An entry-level credit card usually has a lower credit limit—great for learning to manage spending. - Go for Easy Approval
Choose cards that approve quickly, especially if you’re new to credit or have a low income. - Reward Yourself Wisely
The best credit card 2025 gives you cashback, discounts, or points for spending on things you already use—like fuel, groceries, or shopping. - Match with Your Income
A student credit card or a credit card India designed for low salary ensures you stay within budget and still enjoy perks. - Keep It Simple
Avoid cards with confusing rules. Pick a card with simple rewards and clear terms. - Start with the Basics
Don’t rush for premium cards. A good beginner credit card will help you learn the ropes before upgrading. - Use Trusted Platforms Like Upniva
Apply through Upniva, a leading fintech, to find the best credit card 2025 suited to your lifestyle and income—fast, easy, and reliable.
Here’s a comprehensive guide featuring the Top 10 Credit Cards India 2025, optimized for easy approval, zero joining fees, and cashback rewards.
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HDFC Millennia Credit Card
Why it’s among the top 10 credit cards India 2025:
- Ideal for online shoppers
- 5% cashback on Amazon, Flipkart, Swiggy, etc.
- ₹1,000 quarterly vouchers
- No joining fee if you spend ₹1 lakh annually
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Axis Bank SELECT Credit Card
Features:
- Amazon vouchers on activation
- Discounts on Swiggy, Big-Basket
- Airport lounge access
Why it’s great: Suitable for first-time credit card India users who want premium perks.
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HDFC Regalia Gold Credit Card
Ranks in the top 10 credit cards India 2025 due to: HDFC Regalia Gold’s premium benefits and travel rewards system.
- Earn 4 reward points on every ₹150
- Travel benefits and exclusive redemptions
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SBI Prime Credit Card
Beginners prefer it because: SBI Prime Credit Card provides value-packed rewards on essentials like groceries, movies, and dining.
- ₹3,000 welcome vouchers
- Rewards for dining, movies, groceries
- Great milestone benefits
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ICICI HPCL Super Saver Credit Card
Perfect for users earning under ₹25,000: ICICI HPCL Super Saver Credit Card offers unmatched savings and essential benefits.
- 5% cashback on fuel, utility, groceries
- PAYBACK rewards
- Roadside assistance
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BPCL SBI Card Octane
Benefits:
- 7.25% value back on fuel
- 25X rewards on BPCL purchases
- Milestone-based rewards
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Indian Oil RBL Bank XTRA Credit Card
Top pick for:
- Up to 8.5% value back on fuel
- Free petrol worth ₹2,500 annually
- Bonus 3,000 points on joining
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Axis Atlas Credit Card
Why it’s among the top 10 credit cards India 2025:
- Travel EDGE Miles rewards
- Free lounge access
- Easy Diner discounts
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HSBC Travel One Credit Card
Perfect for travel beginners:
- Complimentary hotel stay vouchers
- Lounge access
- 3,000 bonus points on ₹50,000 spend
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HDFC Diners Club Black Credit Card
Why it’s a luxury entry in the top 10 credit cards India 2025:
- 10X rewards on HDFC Smart Buy
- Unlimited lounge access
- Swiggy, Amazon Prime, Club Marriott memberships
Why Choose Upniva for Your First Credit Card?
- Expert guidance: We recommend the most suitable cards based on your profile.
- Easy application: Quick, paperless process with high approval chances.
- Zero hassle: No third-party promotions, 100% unbiased advice.
Final Thoughts: Which Card Is Right for You?
Choosing the right card depends on your salary, lifestyle, and spending habits. If you’re a salaried individual under ₹25,000, cards like ICICI HPCL Super Saver and Indian Oil RBL Bank XTRA are excellent choices. For first-timers, HDFC Millennia or SBI Prime provide value-packed benefits.
Let Upniva guide you toward the best decision. Apply today and unlock the perks of owning the top 10 credit cards India 2025!
FAQs
- What is the best credit card for low income in 2025?
A: ICICI HPCL Super Saver and Indian Oil RBL Bank XTRA are great options.
- Which is the best credit card for beginners in India?
A: HDFC Millennia and SBI Prime are considered top beginner credit cards India.
- Can I get a credit card with no credit history?
A: Yes, several banks offer credit cards for no credit history applicants.
- Which card offers cashback rewards?
A: HDFC Millennia and BPCL SBI Card Octane offer excellent cashback options.
- Is Upniva a trusted platform to apply for credit cards?
A: Yes, Upniva is a leading fintech helping new users secure the top 10 credit cards India 2025.
Stay tuned with Upniva for more updates on top credit cards under ₹25,000 salary, credit cards for new users, and easy approval credit cards India.