Credit cards have many advantages: rewards, cash backs, access to lounges, and rebates. The higher reward benefits of premium cards come with a requirement of a good credit score and ample income to enjoy. Entry-level cards are for people who want to build their credit history and enjoy some reasonably priced facilities. These cards typically require a monthly salary of Rs. 25,000 to Rs. 30,000.
Best Entry-Level Credit Cards in India
1. Amazon Pay ICICI Credit Card
Joining Fee: ₹0
Annual Fee: ₹0
Benefits:
- 5% cashback on Amazon purchases (for Prime members)
- 3% cashback on Amazon purchases (for non-Prime members)
- 2% cashback on partner merchants using Amazon Pay
- 1% cashback on all other transactions
- 1% fuel surcharge waiver
Best For: Amazon shoppers
2. Standard Chartered EaseMyTrip Credit Card
Joining Fee: ₹350
Annual Fee: ₹350
Benefits:
- 20% discount on domestic & international hotel bookings via EaseMyTrip
- 10% discount on domestic & international flight bookings
- 10 reward points per Rs. 100 spent on airline/hotel websites
- 2 complimentary international lounge visits per year
Best For: Frequent Travelers
3. PVR INOX Kotak Credit Card
Joining Fee: ₹0
Annual Fee: ₹499
Benefits:
- Free PVR movie tickets worth Rs. 300 each month
- 20% off on food & beverages at PVR
- Complimentary access to premium PVR INOX lounges
Best For: Movie Lovers
4. YES Bank Paisabazaar PaisaSave Credit Card
Joining Fee: ₹0
Annual Fee: ₹499
Benefits:
- 3% cashback on e-commerce transactions (max. 5,000 points/month).
- 1.5% cashback on all other spends, including UPI transactions.
- 1% fuel surcharge waiver.
Best For: Online shoppers
5. Axis Bank ACE Credit Card
Joining Fee: ₹499
Annual Fee: ₹499
Benefits:
- 5% cashback on utility bill payments via Google Pay
- 4% cashback on Swiggy, Zomato, and Ola
- 1.5% cashback on all other transactions
- 4 complimentary domestic lounge visits per year
Best For: Cashback on daily expenses
6. SBI SimplyCLICK Credit Card
Joining Fee: ₹499
Annual Fee: ₹499
Benefits:
- 10X reward points on BookMyShow, Swiggy, Myntra, etc.
- 5X reward points on other online spends
Best For: Online shopping
7. Flipkart Axis Bank Credit Card
Joining Fee: ₹500
Annual Fee: ₹500
Benefits:
- 5% cashback on Flipkart and Cleartrip
- 4% cashback on Swiggy, PVR, Uber, etc.
- 1% cashback across all other categories
- 4 complimentary domestic lounge visits per year
Best For: Flipkart Shoppers
8. HDFC MoneyBack+ Credit Card
Joining Fee: ₹500
Annual Fee: ₹500
Benefits:
- 10X CashPoints on Flipkart, Amazon, Swiggy, etc.
- 5X CashPoints on EMI transactions.
- 500 CashPoints as a welcome benefit.
- Best For: Reward points on online shopping.
9. Airtel Axis Bank Credit Card
Joining Fee: ₹500
Annual Fee: ₹500
Benefits:
- 25% cashback on Airtel bill payments via Airtel Thanks App
- 10% cashback on utility bill payments via Airtel Thanks App
- 10% cashback on Swiggy, Zomato, and BigBasket
- 4 complimentary domestic lounge visits per year
Best For: Airtel users & utility bill payments
10. IndianOil Axis Bank Credit Card
Joining Fee: ₹500
Annual Fee: ₹500
Benefits:
- 5% savings on IOCL fuel spends
- 1% back on online shopping as EDGE reward points
Best For: Fuel savings
11. Tata Neu Plus HDFC Credit Card
Joining Fee: ₹499
Annual Fee: ₹499
Benefits:
- Up to 7% value back on Tata Neu spends
- 4 domestic lounge access per year
Best For: Tata Neu platform users
12. Cashback SBI Card
Joining Fee: ₹999
Annual Fee: ₹999
Benefits:
- 5% cashback on all online spends.
- 1% cashback across all offline spends.
Best For: High online spenders
These beginner’s credit cards are attractive to a variety of spending habits, including shopping, travel, fuel, and entertainment. Choose the card that best fits your spending habits for the most discounts and benefits.