11 Best Credit Cards For Beginners In 2019

Credit cards or plastic money has 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 match the bank criteria received calls from different banks for applying for credit cards. Every bank has some 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's 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 2019. 

I have shared the list with required Income and card benefits criteria. You can choose the best card as per your needs.

best credit cards for beginners India

11 Best Credit Cards For Beginners In 2019



1. HDFC Money Back (Beginners):

HDFC Money Back is one of the best credit cards for beginners in India. Money Back is a multipurpose credit card you can use for Shopping, Fuel, EMI and cash backs

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 - 15K Per Month.

Read the HDFC Money Back 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 apply for your first credit card.

On every 100/- spending you will earn Payback points which you can redeem on Payback site against awesome stuff.  You can use this card for you all day-to-day shopping need 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

0/- Fee
Icici platinum chip credit card review
ICICI Platinum Chip
Apply online for ICICI Bank Platinum Credit Card with Zero annual fee.
Apply online for ICICI Bank Platinum Credit Card with Zero annual fee. Show Less

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 offer 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 )

You can avail up to 5% cash back on your bill payments and daily spendings. You can save thousands of rupee per annum with CITI Bank Cash Back credit card.

Card Annual Fee - 500/- 

ROI - 3.40% Per Month

Income Required - 25K Per Month

6 CITI Indian Oil ( Fuel Benefits )

If you are looking for a best fuel credit card which can save your thousands of rupee then CITI Bank Indian Oil credit card can help you to get up to 71 Liter 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

7 CITI Rewards Card ( Spending Rewards )

With Citi Bank Rewards Card you can get multiple reward points on your every spending.  You can earn 10X rewards for every 125/- INR spendings on grocery, supermarkets, and other affiliated stores.

CITI Bank also gives you many other exciting offers with 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 which 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, Dominos 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

11 HDFC Solitaire Card (First Woman Card In India)

HDFC Bank Solitaire Credit card is the only credit card dedicated to the women in India.

This card gives you the advantage of extra rewards with every spendings, 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

12  SBI Yatra Credit Card ( Travel)

13. HDFC Dinners Club ( Lifestyle)

14 Kotak Mahindra Platinum ( Premium)

15 IndusInd Bank Platinum Aura ( Premium Lifestyle)

3000/- Fee
CITI Bank premiermiles-credit card
CITI Bank Premiermiles
Best credit card for your Domestic & International Travel needs.
Best credit card for your Domestic & International Travel needs. Show Less

There are many other credit cards also in the list which you can choose.

But I have selected 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 required existing credit score while few can offer you a card on the basis of your income & documents eligibility.

Check - ICICI Bank Credit Card Eligibility Criteria and CITI Bank 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 - Citi Premier Miles Review.

3 Best Secured Credit Cards In India.

Best Entertainment Credit Card In India.

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Jitender Sharma
Jitender is a finance geek with more than 10 years experience in Credit Cards, Savings, & Loans. He is a Co-founder of FoundersBuzz a digital branding platform for small business and startups. And also managing 4BizSolutions one of the best Small Business Blogs in India.

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