Best Credit Cards for Beginners in India 2026
Entry-level cards with low or zero fees and simple rewards — the safest first credit cards in India. We compared 236 credit cards (including 116 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
AI Inside RuPay Credit Card
Lifetime free
AI Inside RuPay Credit Card
Annual Fee
Free
Headline Rate
3% on other
AI Inside Credit Card
Annual Fee
Free
Headline Rate
3% on other
SBM Kredit.Pe Credit Card
Annual Fee
Free
Headline Rate
3% cashback
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
IndusInd ePay Amex Credit Card
Annual Fee
Free
Headline Rate
4x on other
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
BOBCARD Vikram
Annual Fee
Free
Headline Rate
5x on other
Instant RuPay BOBCARD
Annual Fee
Free
Headline Rate
5 pts/₹100
CUB SalarySe Level Up Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
ESAF Bank INORI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.25% cashback
Amazon Pay ICICI Bank Credit Card
Annual Fee
Free
Headline Rate
5% on amazon
ICICI HPCL Coral Credit Card
Annual Fee
₹199
Headline Rate
0% on fuel
Google Pay Flex Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% cashback
IndianOil Easy Axis Bank Credit Card
Annual Fee
Free
Headline Rate
4x on fuel
Fibe Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% on other
Axis Bank Freecharge Plus Credit Card
Annual Fee
Free
Headline Rate
1% on other
Axis Bank Supermoney RuPay Credit Card
Annual Fee
Free
Headline Rate
1% cashback
AU Zaggle Credit Card
Annual Fee
Free
Headline Rate
8% on other
IDFC FIRST Quantum+ Credit Card
Annual Fee
Free
Headline Rate
2% on online
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
UNI Rupay Credit Card
Annual Fee
Free
Headline Rate
1% on other
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
Indian Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
slice UPI Credit Card
Annual Fee
Free
Headline Rate
1% cashback
KVB Corporate Credit Card
Annual Fee
₹1,000
Headline Rate
2 pts/₹100
Utkarsh superCard (FD-backed)
Annual Fee
Free
Headline Rate
2% on flipkart
MobiKwik First Suryoday SFB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1% cashback
SBM MobiKwik First Credit Card
Annual Fee
Free
Headline Rate
1% cashback
ICICI Platinum Chip Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
IDBI Bank LIC CSL Lumine Platinum Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
IndusInd Platinum RuPay Credit Card
Annual Fee
Free
Headline Rate
2x on other
Axis Bank ACE Credit Card
Annual Fee
₹499
Headline Rate
0% on utilities
AU NOMO Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
Paytm AU Credit Card
Annual Fee
Free
Headline Rate
1x on other
AU Altura+ Credit Card
Annual Fee
₹499
Headline Rate
1.5% on online
Klick Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Jio-bp Mobility+ Credit Card
Annual Fee
Free
Headline Rate
12x on fuel
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara MasterCard Standard Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOI SwaDhan RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Axis Bank MY Zone Easy Credit Card
Annual Fee
Free
Headline Rate
10x on dining
Federal One Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on other
IndusInd EazyDiner Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Platinum Visa Credit Card
Annual Fee
Free
Headline Rate
1x on other
IndusInd Platinum Master Credit Card
Annual Fee
Free
Headline Rate
1x on other
CUB CSK RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
CUB SRH RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
HSBC Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
8x on travel
IDBI Bank Aspire Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
Kotak UPI RuPay Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
ICICI Bank Parakram Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
AU Kosmo Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
ixigo AU Credit Card
Annual Fee
Free
Headline Rate
1x on travel
RBL Bank BankBazaar SaveMax Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
BOBCARD Uni GoldX
Annual Fee
Free
Headline Rate
1x on other
FinBooster Credit Card
Annual Fee
Free
Headline Rate
1x on online
Zagg Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
DigiSmart Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Rakshak RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Visa Classic Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Visa Gold Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Patanjali RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
PNB SALARY RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Union Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
J&K Bank Platinum Privilege Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Utkarsh Eternal Credit Card
Annual Fee
₹1,999
Headline Rate
1.25% cashback
Utkarsh Wish Credit Card
Annual Fee
Free
Headline Rate
3x on utilities
ICICI Expressions Credit Card
Annual Fee
₹499
Headline Rate
1x on utilities
LIC Axis Bank Signature Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
LIC Axis Bank Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
Kwik Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PM SVANidhi BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
IOB VISA Classic Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
BOBCARD Ujjivan SFB Platinum Credit Card
Annual Fee
Free
Headline Rate
1x on other
IOB RuPay Classic Credit Card
Annual Fee
Free
Headline Rate
0.67 pts/₹100
IDFC FIRST WOW! Credit Card
Annual Fee
Free
Headline Rate
0.5x on travel
IDFC FIRST Millennia Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST Classic Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
Kotak811 Dream Different Credit Card
Annual Fee
Free
Headline Rate
0.5 pts/₹100
HDFC Millennia Credit Card
Annual Fee
₹1,000
Headline Rate
5% on amazon
Swiggy HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on dining
Tata Neu Plus HDFC Bank Credit Card
Annual Fee
₹499
Headline Rate
2x on other
Paytm HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
Paytm HDFC Bank Digital Credit Card
Annual Fee
₹149
Headline Rate
1% on online
HDFC Bank Pixel Go Credit Card
Annual Fee
₹250
Headline Rate
1% on online
Swiggy Ornge HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on dining
CASHBACK SBI Card
Annual Fee
₹999
Headline Rate
5% on online
Tata Neu Plus SBI Credit Card
Annual Fee
₹499
Headline Rate
2% on online
Paytm SBI Card
Annual Fee
₹499
Headline Rate
3% on travel
Flipkart SBI Card
Annual Fee
₹500
Headline Rate
5% on flipkart
PhonePe SBI Card PURPLE
Annual Fee
₹499
Headline Rate
2x on online
Eternal SBI Card
Annual Fee
₹499
Headline Rate
1% on dining
Flipkart Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
5% on flipkart
Airtel Axis Bank Credit Card
Annual Fee
₹500
Headline Rate
1% on utilities
AU Spont Credit Card
Annual Fee
₹299
Headline Rate
1% on other
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
AU Altura Credit Card
Annual Fee
₹199
Headline Rate
2% on groceries
IDFC FIRST Hello Cashback Credit Card
Annual Fee
₹1,000
Headline Rate
5% on online
HSBC RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on travel
HSBC RuPay Cashback Credit Card
Annual Fee
₹499
Headline Rate
10% on dining
BOBCARD Cashback
Annual Fee
₹499
Headline Rate
5% on online
BOBCARD Easy
Annual Fee
₹500
Headline Rate
1x on other
BOBCARD Select
Annual Fee
₹750
Headline Rate
5x on online
BOBCARD Prime
Annual Fee
Free
Headline Rate
0 pts/₹100
RuPay Credit Card
Annual Fee
Free
Headline Rate
1x on online
YES BANK Paisabazar PaisaSave Credit Card
Annual Fee
₹499
Headline Rate
6% on dining
UNI Credit Card
Annual Fee
₹499
Headline Rate
1% on other
YES BANK novio Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
YES Bank novio RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on travel
YES BANK Niyo Credit Card
Annual Fee
Free
Headline Rate
4x on online
Federal Bank Visa Signet Credit Card
Annual Fee
Free
Headline Rate
1x on other
Federal Bank Paisabazaar Paisaback Credit Card
Annual Fee
₹500
Headline Rate
7.5% on groceries
Smart Credit Card
Annual Fee
₹499
Headline Rate
2% on online
IndusInd Samman Credit Card
Annual Fee
₹199
Headline Rate
1% on other
PM SVANIDHI Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Union Sparsh Credit Card
Annual Fee
₹550
Headline Rate
4 pts/₹100
Indian Bank VISA Bharat Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IB-Rupeek Co-Branded Gold Backed Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB SalarySe Rise UP RuPay Platinum Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB ZET Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB novio Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach RuPay Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach Master Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Titanium Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Platinum Credit Card (Secured)
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB VIBE360 Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Vertex Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB novio Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB Niyo Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Utkarsh SmartGen Credit Card
Annual Fee
₹199
Headline Rate
1% cashback
Unity Roarbank Credit Card
Annual Fee
Free
Headline Rate
0% cashback
Secured SIB One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
2x on other
SBM ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
SBM novio Credit Card
Annual Fee
Free
Headline Rate
1x on fuel
SBM Magnet Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Niyo SBM Global Credit Card
Annual Fee
Free
Headline Rate
20x on online
Saraswat Bank Secured RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IRCTC SBI Platinum Card
Annual Fee
₹500
Headline Rate
4x on travel
BOBCARD Swavlamban
Annual Fee
₹250
Headline Rate
4 pts/₹100
AU Xcite Credit Card
Annual Fee
₹249
Headline Rate
15x on dining
American Express Membership Rewards Credit Card
Annual Fee
₹4,500
Headline Rate
2 pts/₹100
Axis Bank Platinum Credit Card
Annual Fee
₹200
Headline Rate
3 pts/₹100
Paytm HDFC Bank Mobile Credit Card
Annual Fee
₹149
Headline Rate
0.5% on online
ICICI Bank Coral Credit Card
Annual Fee
₹500
Headline Rate
1x on utilities
American Express SmartEarn Credit Card
Annual Fee
₹495
Headline Rate
10x on other
IDFC FIRST EA₹N Credit Card
Annual Fee
₹499
Headline Rate
1% on other
RBL Bank Platinum Delight Credit Card
Annual Fee
₹1,000
Headline Rate
4x on other
IRCTC RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2.5x on travel
RBL Bank Shoppers Stop Gold Credit Card
Annual Fee
₹1,000
Headline Rate
5x on other
ACE Credit Card
Annual Fee
₹499
Headline Rate
4x on online
POP-CLUB Credit Card
Annual Fee
₹399
Headline Rate
10x on online
Kotak Cashback+ Credit Card
Annual Fee
₹750
Headline Rate
0.5x on other
IndianOil Kotak Credit Card
Annual Fee
₹449
Headline Rate
4% on fuel
Federal RuPay Wave Credit Card
Annual Fee
₹199
Headline Rate
0.5 pts/₹100
Bandhan Bank Ignite Credit Card
Annual Fee
₹999
Headline Rate
4x on groceries
PNB KIWI Co-Branded Credit Card
Annual Fee
₹750
Headline Rate
1.5% on other
Union UNI-CARBON Credit Card
Annual Fee
₹550
Headline Rate
16x on fuel
BOI VISA Gold International Credit Card
Annual Fee
₹500
Headline Rate
2 pts/₹100
DCB PayLess Platinum Credit Card
Annual Fee
₹350
Headline Rate
0.5% cashback
Suryoday SFB RuPay Platinum Credit Card
Annual Fee
₹150
Headline Rate
0.5% on online
Google Pay Flex SBI Card
Annual Fee
₹499
Headline Rate
0.4x on online
Axis Bank Pride Platinum Credit Card
Annual Fee
₹250
Headline Rate
2 pts/₹100
Jupiter Edge Federal Bank VISA Credit Card
Annual Fee
₹999
Headline Rate
2% on dining
Shoppers Stop HDFC Bank Credit Card
Annual Fee
₹299
Headline Rate
3x on other
KVB Platinum Credit Card
Annual Fee
₹599
Headline Rate
2.67x on travel
IDBI Bank Imperium Platinum Credit Card (Secured)
Annual Fee
₹499
Headline Rate
1.33 pts/₹100
Kotak League Platinum Credit Card
Annual Fee
₹499
Headline Rate
5.33x on travel
HDFC MoneyBack+ Credit Card
Annual Fee
₹500
Headline Rate
10x on amazon
HDFC Bank UPI RuPay Credit Card
Annual Fee
₹99
Headline Rate
3x on groceries
IRCTC HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on travel
PhonePe HDFC Bank Uno Credit Card
Annual Fee
₹499
Headline Rate
2x on online
HDFC Bank PIXEL Times Credit Card (Move Variant)
Annual Fee
₹500
Headline Rate
5x on other
HDFC Bank PIXEL Times Credit Card (Rush Variant)
Annual Fee
₹1,000
Headline Rate
10x on other
SimplyCLICK SBI Card
Annual Fee
₹499
Headline Rate
5x on online
BPCL SBI Card
Annual Fee
₹499
Headline Rate
13x on fuel
Shaurya SBI Card
Annual Fee
₹250
Headline Rate
5x on dining
SBI Card Unnati
Annual Fee
₹499
Headline Rate
1 pts/₹100
Landmark Rewards SBI Card
Annual Fee
₹499
Headline Rate
5x on dining
AU Tejas Credit Card
Annual Fee
₹500
Headline Rate
1x on other
AU Prathama Credit Card
Annual Fee
₹100
Headline Rate
2x on other
RBL ShopRite Credit Card
Annual Fee
₹500
Headline Rate
20x on groceries
RBL Bank Cookies Credit Card
Annual Fee
₹1,200
Headline Rate
5x on online
IndianOil RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
6x on fuel
RBL Bank Play Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
RBL Bank Patanjali Vishisht Credit Card
Annual Fee
₹499
Headline Rate
10x on groceries
TVS Credit RBL Bank Credit Card
Annual Fee
₹500
Headline Rate
2x on online
RBL Bank DMI Finance Credit Card
Annual Fee
₹499
Headline Rate
2x on online
BOBCARD Pragati
Annual Fee
₹250
Headline Rate
5x on other
Bandhan Bank Sparks Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
Union VISA Gold Credit Card
Annual Fee
₹350
Headline Rate
1 pts/₹100
BOI RuPay Bharat Credit Card
Annual Fee
₹400
Headline Rate
1 pts/₹100
Bank of Maharashtra SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
10x on dining
Karur Vysya SBI Gold Card
Annual Fee
₹499
Headline Rate
2.5x on dining
Axis Bank Neo Credit Card
Annual Fee
₹500
Headline Rate
1 pts/₹100
Axis Bank Titanium Smart Traveller Credit Card
Annual Fee
₹100
Headline Rate
2x on travel
RBL Bank SalarySe UP Credit Card
Annual Fee
₹499
Headline Rate
1 pts/₹100
DBS Spark Credit Card
Annual Fee
₹999
Headline Rate
1x on other
DBS SuperX Credit Card
Annual Fee
₹1,499
Headline Rate
1 pts/₹100
Super Value Titanium Credit Card
Annual Fee
₹750
Headline Rate
5% on fuel
UCO Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
PSB Simply SAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
Karnataka Bank SimplySave SBI Credit Card
Annual Fee
₹499
Headline Rate
6.67x on dining
South Indian Bank SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
6.67x on dining
IndianOil HDFC Bank Credit Card
Annual Fee
₹500
Headline Rate
5x on fuel
HDFC Freedom Credit Card
Annual Fee
₹500
Headline Rate
5x on other
Apollo SBI Card
Annual Fee
₹499
Headline Rate
3x on other
RBL Bank QuickPay Credit Card
Annual Fee
₹99
Headline Rate
0.5 pts/₹100
Axis Bank Freecharge Credit Card
Annual Fee
₹250
Headline Rate
0.5 pts/₹100
Kotak 811 Credit Card
Annual Fee
₹500
Headline Rate
2x on online
Equitas Tiga Credit Card
Annual Fee
₹500
Headline Rate
3x on other
IDFC FIRST Power Credit Card
Annual Fee
₹199
Headline Rate
3.5x on fuel
Reliance SBI Card
Annual Fee
₹499
Headline Rate
10x on online
SimplySAVE SBI Card
Annual Fee
₹499
Headline Rate
1.667x on dining
Jalsa Credit Card
Annual Fee
₹999
Headline Rate
5% on dining
Nainital Bank Renaissance BOBCARD
Annual Fee
₹250
Headline Rate
1x on other
PVR INOX Kotak Credit Card
Annual Fee
₹499
Headline Rate
0.5 pts/₹100
Fed StarBiz Credit Card
Annual Fee
₹275
Headline Rate
0 pts/₹100
Indian Bank RuPay Classic Credit Card
Annual Fee
₹250
Headline Rate
0 pts/₹100
TMB WINGS RuPay Credit Card
Annual Fee
₹250
Headline Rate
0 pts/₹100
TMB Phoenix Credit Card
Annual Fee
₹500
Headline Rate
0 pts/₹100
SBM Paisabazaar Paisa+ Credit Card
Annual Fee
₹499
Headline Rate
1% on online
Saraswat Bank RuPay Platinum Credit Card
Annual Fee
₹500
Headline Rate
0 pts/₹100
Popular For Beginners Card Comparisons
Explore Credit Cards by Feature
Browse Credit Cards by Bank
Find My Best Card By Spending
This list is ranked for a typical spender. Enter your own numbers and we rank every card for you.
Head-to-Head Card Comparison
Compare any two cards on exact net value based on your monthly spending profile.
Credit Card EMI Calculator
Calculate interest, GST, and processing charges when converting purchases to EMI.
Balance Transfer Calculator
Compute interest saved by moving high-cost credit card debt to a lower rate lender.