Credit cards or plastic money have an important role in terms of an emergency fund if you know how to use it in the best way.
Nowadays almost every person whose income matches the bank criteria receives calls from different banks for applying for credit cards.
Every bank has some of the best credit cards in its bucket, but do you know which card is good for you?
And how can you get the maximum benefits from it?
There are chances that few people will be aware of it but if you don’t then here I’m sharing the list of 11 best credit cards for beginners in 2025.
I have shared the list with the required Income and card benefits criteria. You can choose the best card as per your needs.
Read: How To Pay Credit Card Debt Fast?
11 Best Credit Cards For Beginners In 2025
1. HDFC Money Back (Beginners):
HDFC Money Back is one of the best credit cards for beginners in India. MoneyBack is a multipurpose credit card you can use for Shopping, Fuel, EMI and cash back.
On its Yearly sale, Flipkart gives a 10% extra discount to HDFC Card holders. And you can save a big amount on your purchase if using HDFC cards.
Annual Fee: 500/- ( Waived off if spends 50K yearly)
ROI – 3.40% Per Month
Income Required – 25K Per Month.
Read the HDFC MoneyBack Credit Card Review.
2. ICICI Platinum Chip (Beginners)
ICICI Platinum Chip is an entry-level credit card offered by ICICI Bank.
This card is best for you if you are applying for your first credit card.
On every 100/- spending you will earn Payback points which you can redeem on the Payback site against awesome stuff.
You can use this card for your everyday shopping needs either online & offline.
Card Annual Fee – 199/- ( Zero if you are applying Online)
ROI – 3.40% Per Month
Income Required – 20K Per Month
Read ICICI Platinum Chip Credit Card Review
3. SBI Simply Save ( Everyday Use)
SBI Simply Save credit card is the best for those who are looking for a multipurpose credit card from a Govt Bank.
Simply Save offers a fuel surcharge waiver on all fuel outlets with all other benefits.
You can access this card at more than 2 million outlets across the world.
Card Annual Fee – 499/- (Waived off If spend 100k in 12 months)
ROI – 3.40% Per Month
Income Required – 18K – 20K Per Month
4. SBI Simply Click (Shopping)
SBI Simply Click credit card will be a good choice if you are looking for shopping credit cards.
You can get up to 10X reward points and 5% to 10% cash back on grocery and shopping stores in India.
Card Annual Fee – 499/- (Waived off If spend 100k in 12 months)
ROI – 3.40% Per Month
Income Required – 18K – 20K Per Month
5. CITI Cash Back ( Utility + Shopping Cashback ) ( Now Axis Bank)
You can avail of up to 5% cashback on your bill payments and daily spending. You can save thousands of rupees per annum with a CitiBank Cash Back credit card.
Card Annual Fee – 500/-
ROI – 3.40% Per Month
Income Required – 25K Per Month
6. CITI Indian Oil ( Fuel Benefits ) ( Now Axis Bank)
If you are looking for the best fuel credit card which can save you thousands of rupees then the Citibank Indian Oil credit card can help you to get up to 71* Liter of free fuel per year.
Card Annual Fee – 1000/- (Waived off If spend 30k in 12 months)
ROI – 3.40% Per Month
Income Required – 25K Per Month
Apply CitiBank Credit Card Online Here
7. CITI Rewards Card ( Spending Rewards ) – ( Now Axis Bank)
With CitiBank Rewards Card you can get multiple reward points on your every spending.
You can earn 10X rewards for every 125/- INR spent on groceries, supermarkets, and other affiliated stores.
Citibank also gives you many other exciting offers with a 15% dining discount on 2000+ restaurants across the country.
Card Annual Fee – 1000/- (Waived off If spend 30k in 12 months)
ROI – 3.40% Per Month
Income Required – 25K Per Month
8. HSBC Platinum Card ( Everyday Use)
HSBC Platinum is the card that gives you multiple benefits with its Platinum services. You can enjoy the benefit of Free movie tickets, 10% to 25% discounts on travel bookings and many more.
Card Annual Fee – Zero
ROI – 3.40% Per Month
Income Required – 35K Per Month
9. HDFC Times Titanium ( Entertainment )
HDFC Times Credit card is for those who are looking for an entertainment credit card. Times card gives you up to 25% discount on movie tickets, restaurants, Domino and many other lifestyles and entertainment brands.
Card Annual Fee – 500/-
ROI – 3.40% Per Month
Income Required – 20K Per Month
10. Axis Bank MyZone Card ( Lifestyle)
Axis Bank My Zone is the card for entertainment and Lifestyle seekers. You can enjoy some premium privileges with this card.
The card benefits include complimentary airport lounge access and exciting offers on entertainment such as cashback on movie tickets.
Card Annual Fee – 500/- ( Joining Fee 500/-, First Year Fee – Nil, 2nd Year Onwards – 500/-)
ROI – 3.40% Per Month
Income Required – 25K Per Month ( Apply Now )
11. HDFC Solitaire Card (First Woman Card In India)
HDFC Bank Solitaire Credit card is the only credit card dedicated to women in India.
This card gives you the advantage of extra rewards with every spending, Cashback, EMI facility, Low Annual Fee and freedom of use this card on more than 2 million outlets across the globe.
Card Annual Fee – 500/-
ROI – 3.40% Per Month
Income Required – 15K+ Per Month
Some Other Credit Cards You Can Apply
12. SBI Yatra Credit Card ( Travel)
13. HDFC Dinner’s Club ( Lifestyle)
14. Kotak Mahindra Platinum ( Premium)
15. IndusInd Bank Platinum Aura ( Premium Lifestyle)
16. Axis Bank Flipkart Credit Card (Shopping)
17. Axis Bank Ace Credit Card (Cash Back)
18. ICICI Bank Amazon Pay Credit Card ( Shopping)
There are many other credit cards also on the list which you can choose from.
But I have selected a few best credit cards for beginners which will help you to learn the best way to use the card for savings and get maximum benefits.
Few of the banks require existing credit scores while few can offer you a card on the basis of your income & document eligibility.
Check – ICICI Bank Credit Card Eligibility Criteria and CitiBank Credit Cards Eligibility Criteria.
Also Read:
- Best Premium Credit Card In India.
- 10 Best Credit Card In India With Zero Annual Fee.
- Best Credit Cards In India For Salaried Person.
- 5 Best Super Premium (Exclusive) Credit Card In India.
- Best Credit Card For Air Travel.
- 3 Best Secured Credit Cards In India.
- Best Entertainment Credit Card In India.
Thanks for this info buddy