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A certain sense of maturity comes with owning a credit card, a feeling of finally stepping into adulthood. Now, when you are finally adulting, you just might want to enjoy the perks of credit cards without paying a hefty fee or having a high credit score. If yes, then you might be interested in entry-level credit cards.
These are the cards that are specially designed for beginners who are new to the world of credit and want to build a good credit history while also getting some benefits. Entry-level credit cards have a low-income requirement and a reasonable fee, and they offer features such as rewards, cashback, lounge access, exclusive discounts and more. In this article, we will help you find the best entry-level credit cards for beginners that suit your needs and preferences.
List of Best Entry-Level Credit Cards
Here is the list of Best Credit Cards for Beginners
1. SBI SimplyCLICK Credit Card
If you are looking for an entry-level credit card that offers you rewards and benefits for online shopping, you may want to consider the SBI SimplyClick Credit Card. This card is designed for beginners with a monthly income of at least ₹20,000 and who want to earn rewards for online purchases. The card also offers other features, such as fuel surcharge waiver, e-vouchers, milestone benefits and more.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
1% fuel surcharge waiver for each transaction between ₹500 and ₹3000 (max benefit of ₹100 per month). |
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Reward Benefits |
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Milestone Benefits |
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Fees and Charges
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Joining Fees |
₹499 |
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Annual Fees |
₹499 |
|
Annual Percentage Rate |
42.00% |
|
Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be between 18 to 65 years, and their monthly income should be at least ₹20,000.
2. Flipkart Axis Bank Credit Card
If you are looking for a credit card that offers unlimited cashback on your online and offline purchases, the Flipkart Axis Bank Credit Card might be the right choice. This co-branded card from Axis Bank and Flipkart gives you 5% cashback on Flipkart and Myntra, 4% cashback on preferred partners such as Uber, Swiggy, PVR, Curefit and more, and 1.5% cash back on all other categories. With this card, you can enjoy the benefits of online shopping and lifestyle transactions without worrying about the limit or expiry of your cashback.
Features
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Welcome Bonus |
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Travel Benefits |
4 complimentary lounge visits per year. |
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Fuel Surcharge Waiver |
1% fuel surcharge waiver for each transaction between ₹400 and ₹4000 (max benefit of ₹400 per month). |
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Shopping Benefits |
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Dining Benefits |
20% discount at partner restaurants under the 'Dining Delights' program by Axis Bank. |
Fees and Charges
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Joining Fees |
₹500 |
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Annual Fees |
₹500 |
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Annual Percentage Rate |
52.86% |
|
Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be at least 18 years, and their monthly income should be between ₹15,000- ₹30,000.
3. Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Bank credit card is a co-branded, lifetime-free card offered by ICICI Bank in collaboration with Amazon Pay and Visa.
The card is cost-free for life and provides payback for both online and offline transactions, including those purchased on Amazon. The payback comes in the form of Amazon Pay Gift Cards that may be redeemed for money from your Amazon Pay balance. It is primarily meant to reward loyal Amazon customers with prizes, free EMIs, 15% off dining expenses, a waiver of the fuel charge, and other benefits.
Features
|
Welcome Bonus |
Prime users get rewards worth ₹2000, non-prime users get rewards worth ₹1500, and 3 months of Amazon Prime membership. |
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Fuel Surcharge Waiver |
1% fuel fee waiver at all petrol stations in India (as long as the transaction doesn't cost more than ₹4,000). |
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Cashback Benefits |
For Amazon Prime members, there is a 5% cashback in the form of Amazon Pay balance on any purchase made from Amazon’s website. For non-prime members, there is 3% cashback in the form of Amazon Pay Balance. |
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Reward Benefits |
At the end of the payment cycle, earned reward points are deposited to the Amazon Pay balance, where 1 reward point equals ₹1. |
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Dining Benefits |
A minimum of 15% off on dining bills at restaurants participating in ICICI Bank’s Culinary Treats programme. |
Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be at least 21 years, and their monthly income should be at least ₹25,000.
4. Axis Bank Neo Credit Card
Axis Bank Neo credit card is an entry-level credit card that is a perfect fit for shopping lovers. This card offers various discounts, cash-back, and reward points for shopping. It offers discounts on top brands like Amazon, BookMyShow, Myntra, Paytm and more.
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Welcome Bonus |
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Dining Benefits |
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Entertainment Benefits |
10% off on Bookmyshow. |
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Zero Liability Protection |
If the card is lost or any fraudulent transactions are reported within the stipulated period of time, you receive a zero liability protection cover. |
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Other Benefits |
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Fees and Charges
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Joining Fees |
₹250 |
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Annual Fees |
₹250 |
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Annual Percentage Rate |
52.86% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be between 18 and 70 years, and they should have a stable income.
5. Standard Chartered Super Value Titanium Credit Card
A reward-driven credit card, the Standard Chartered Super Value Titanium Credit Card gives rewards on purchases of petrol, necessities, and other items. Along with these advantages, it also provides EMI advantages with support for replacement cards in an emergency.
This credit card is best for those who want to save money on their everyday expenses like fuel, utility bills, phone bills, etc.
Features
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Travel Benefits |
20% off on Uber rides up to ₹600 per month. |
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Fuel Cashback |
5% cashback on fuel spends at all fuel stations, up to ₹200 per month (max ₹100 per transaction, and applicable on transactions up to ₹2,000). |
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Cashback Benefits |
Enjoy 5% cashback on telephone bills above ₹750 (max ₹100 per transaction). The maximum monthly cashback you can avail of is ₹200. |
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Reward Benefits |
One reward point for every ₹150 you spend on other purchases using your credit card. |
Fees and Charges
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Joining Fees |
₹750 |
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Annual Fees |
₹750 |
|
Annual Percentage Rate |
45.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be between 21 and 65 years, and their monthly income should be at least ₹55,000.
Conclusion
These were some of the best entry-level credit cards that you can consider if you want to take a step towards your credit card journey. Find your perfect credit card fit according to your needs and aspirations, be it travel-focused credit, shopping-focused credit card, or anything else; you can always find your ideal match from the cards mentioned above.
And, if you want to make the task of choosing your credit card easier and quicker, visit Finology Select now, where you can compare various credit card issuers and the various cards issued by them on almost all factors available. So, what are you waiting for? Visit Finology Select today.
