Best Credit Cards for Beginners in India (2026)
First credit card? Compare the best entry-level credit cards in India with low fees and easy approval. Build your credit score.
#1 Best Overall
SBI SimplyClick Credit Card
₹0.25 per point
#2 Runner Up
HDFC Millennia Credit Card
₹1 per point (5% cashback)
Our Top Picks
SBI SimplyClick Credit Card
SBI Card
Point Value
₹0.25 per point
Expiry
No expiry
Options
4 redemption options
HDFC Millennia Credit Card
HDFC Bank
Point Value
₹1 per point (5% cashback)
Expiry
2 years
Options
4 redemption options
Axis Flipkart Credit Card
Axis Bank
Point Value
₹0.40 - ₹1 per point
Expiry
No expiry if card active
Options
4 redemption options
OneCard Metal Credit Card
OneCard
Point Value
₹0.10 per point
Expiry
12 months from earning
Options
4 redemption options
Slice Metal Credit Card
Slice
Point Value
₹0.10 per point (1-2% cashback)
Expiry
No fixed expiry
Options
4 redemption options
Frequently Asked Questions
What is the best credit card for beginners in India in 2026?
The best card for beginners in India is SBI SimplyClick Credit Card, offering ₹0.25 per point. However, the best choice depends on your overall spending pattern.
How do I maximize beginners rewards?
Use a card that earns bonus points on beginners spending. Stack with the card's portal offers and promotional categories for maximum value.
Are no-annual-fee cards good for beginners rewards?
Some no-annual-fee cards offer solid beginners rewards. However, premium cards with annual fees often provide higher earn rates that outweigh the fee for heavy spenders.
Can I use multiple cards for beginners spending?
Yes! Many rewards enthusiasts use different cards for different merchants or spending tiers to maximize their overall rewards across categories.