10 best Credit Card in India for First-Timers

Many opportunities I possess have been actually inquired which visa or MasterCard is better for someone who has only begun his/her job? The main problem for amateurs is that they are without credit report past history as well as hence banking companies possess very rigorous standards for releasing them credit rating cards. I have put together a list of the best free Credit card in India of 2021 which are actually given out quite conveniently and possess low signing up with or revival costs.

List of 10 best free Credit Card in India

1. Flipkart Axis Bank Credit Card

Flipkart Axis Bank Credit Card offers 5% cashback on Flipkart, Myntra as well as 4% cashback on ideal companions. The major emphasis of this particular memory card is actually a nonpayment cashback fee of 1.5% along with no capping which straight acquires accepted to the memory card account in the next payment cycle. Yet another significant component is complimentary residential flight terminal cocktail lounge accessibility which is uncommon in this group.


  • Wage account along with Axis Bank: Net Monthly income > Rs. 15,000
  • Salary profile along with various other Banks: Net Monthly income > Rs. 25,000
  • Self Employed: Net Monthly income > Rs. 50,000 or even ITR > Rs. 6 Lakhs
  • Signing up with cost: Rs. Five hundred + GST, Flipkart coupon worth Rs. 500 offered
  • Renewal charge: Rs. 500 + GST, forgoed off on annual devotes higher than Rs. 2 Lakhs

Award Rate:

  • 5% cashback on Flipkart, Myntra, and also 2GUD
  • 4% cashback on Preferred Partners (MakeMyTrip, Goibibo, Uber, PVR, Curefit, and UrbanClap).
  • 1.5% cashback on all various other companies.
  • 4 complimentary Domestic Airport Lounge access yearly utilizing Mastercard India Lounge Program.

2. HDFC Diners Club Club miles Credit Card.

HDFC Diners Club Club miles Credit Card possesses suitable perks cost of 1.3% and along with HDFC SmartBuy 10X course it tops to 13%. This card also includes a Mile Exchange Program where you can easily change your perks lead to air kilometers in a 1:1 ratio. Below are actually the main highlights of the memory card:


Net Monthly Income > Rs. 30,000 each month.
Participating In Fee: Rs. 1,000, usually free of charge.
Revitalization Fee: Rs. 1,000, commonly waived off.
Award Rate: 1.3% (normal spends) – 13% (spends on HDFC SmartBuy site).
Far Exchange Program: Convert benefit indicates Air Miles in 1:1 proportion for following airline companies.
British Airways Executive Club (Avios).
Singapore Airlines (KrisFlyer Miles).
Nightclub Vistara.
Lobby access: 6 lounges get access to yearly consisting of residential and global.
Apply right here.
You can make this memory card lifetime free by selecting some of the following while applying:.

4 transactions in a month for the very first 3 successive months (minimum transaction value Rs. Five hundred).

3. American Express SmartEarn Credit Card.

American Express SmartEarn Credit Card offers 10X Membership Rewards Points on Flipkart and also Uber and gain 5X Membership Rewards Points on Amazon, Swiggy, BookMyShow, and also extra. Amex continues operating profitable vendor gives occasionally. Keep in mind that recognition of Amex is still not that great as well as you need to regularly hold a backup Visa/MasterCard.


White-collar: Annual revenue > Rs. 4.5 Lakhs.
Self Employed: Annual revenue > Rs. 6 Lakhs.
Annual Fee: Rs. 495 + GST, waived one costs Rs. 40,000 or even more in the previous year.

Award Rate:

10X Membership Rewards Points on Flipkart and also Uber, 5% perks price.
5X Membership Rewards Points on Amazon, Swiggy, BookMyShow, PVR, Myntra, Jabong, Grofers, Big Bazaar, 2.5% perks cost.
1 Membership Rewards Point for each Rs. Fifty invested on various other sellers.

4. HSBC Cashback Credit Card.

HSBC Cashback Credit Card provides unlimited cashback of 1.5% on internet deals as well as 1% on offline purchases. The only warning is actually HSBC problems bank card merely to white-collar employees dwelling in Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida as well as Pune.

Also Read more about Maurices Credit Card


Salaried only, yearly profit > Rs. 4,00,000.
Signing Up With Fee: Nil.
Revitalization Fee: Rs. 750, turned around on yearly spends on Rs. 1 Lakh.

Promotional Offers:

20% off on Swiggy purchases over Rs. 400 (Discount approximately Rs. 100, legitimate once monthly every user).
5% price cut on Amazon spends of Rs. 1,000 or above (Maximum savings of Rs. 250 every card monthly, no limitation on the variety of purchases).

Welcome Benefits:

2 Airport Lounge Access to Domestic and International lobbies or 2 Meal coupons of INR400 each for usage at Airport bistros.
Rs. 250 Swiggy certificate within 60 times of accomplishing the very first transaction on the HSBC Credit Card.

Compensate Rate:

1.5% cashback on online spending, leaving out a budget bunch.
1% cashback on offline investments.
15% off on eating at over 1,000 bistros throughout major cities.

5. Amazon.com Pay ICICI Bank Credit Card.

If you’re a prime participant which is a delightful deal if you devote a great deal on Amazon, Amazon Pay ICICI Bank Credit Card gives 5% cashback on Amazon. Just recently Amazon has actually prolonged the invite for this bank card to a large number of Amazon India consumers.


Invite merely.
Joining Fee: Nil.
Revitalization Fee: Life opportunity free of cost.

Reward Rate:

5% for Amazon Prime clients and 3% for others on Amazon.
2% on paying off by means of Amazon Pay.
1% on various other devotes.
Perks are accepted as Amazon Pay cashback each month after claim generation.

6. Ola Money SBI Credit Card.

Ola Money SBI Credit Card provides 7% cashback on Ola flights and 1% cashback on all various other purchases. Presently this card is actually on call merely by welcome and also you may request this card in the Ola app after getting an invitation.

Eligibility: Invite only.

Annual Fee: Rs. 499, reversed on annual investments of Rs. 1 Lakh.
Reward Rate:
7% cashback on Ola experiences.
1% cashback on all investments.
5% cashback on flight tickets at Cleartrip.
Twenty% cashback on payment via Dineout is restricted to Rs. 200 each month.
1% fuel additional charge waiver, up to Rs. One hundred monthly.

7. SBI SimplyCLICK Credit Card.

SBI SimplyCLICK provides 2.5% back on online investments with their unique companions and also 1.25% on other online devotes. This is actually a good memory card if you spend a whole lot online.


Nothing is pointed out explicitly on web site, nonetheless, you may receive it conveniently if you are white-collar.
Signing Up With Fee: Rs. 499, obtain an equal amount of Amazon token.
Revitalization Fee: Rs. 499, reversed if yearly devotes for in 2014 >= Rs. 1,00,000.

Compensate Rate:

2.5% back on online spending with exclusive companions – Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, Netmeds & UrbanClap.
1.25% on other online investments.
0.25% on offline investments.
1% gas surcharge disclaimer for each and every deal in between Rs. 500 & Rs. 3,000.

8. Paytm First Credit Card.

If you like cashback then this card is actually for you. Paytm First Credit Card provides 1% cashback for all spends which immediately obtains acceptance to the memory card account. When the choice is actually permitted in the Paytm application, a mere warning is this card actually invites only as well as you can apply just.

Eligibility: Invite just.

Annual Fee: Rs. Five hundred, forgoed off on investing much more than Rs. 50,000 in a subscription year.
Compensate Rate: 1% cashback on all devotes.

Various other advantages:

Paytm First Membership worth Rs. 750.
15% discount rate at Partner Restaurants.
Buy 1 Get 1 on motion picture tickets every Friday at Paytm.

9. RBL Bank Shoprite Credit Card.

RBL Bank Shoprite Credit Card supplies a 5% reward price on grocery stores and a 2.5% reward fee on fuel investments. A single thing I wish to explain is that the client support of RBL Bank is actually average as well as takes a considerable amount of opportunity to deal with the queries/issues.

Qualification: Salary > Rs. 25,000.

Annual Fee: Rs. Five hundred, turned around on devotes of Rs. 1 Lakh in the previous year.
Accept Benefit: 2,000 benefit factors, ~ Rs. Five hundred.
Compensate Rate:
Twenty incentive points per Rs. One hundred invested in grocery store purchasing, 5% benefit rate.
10 reward factors per Rs. One hundred devoted on gas, 2.5% incentive fee.
1 reward aspect per Rs. 100 spent on various other categories, 0.25% reward price.
Other Benefits:
10% discount on motion picture tickets at BookMyShow.
1% gas surcharge waiver, max Rs. One hundred each month for transactions in between Rs. Five hundred to Rs. 4,000.
Apply listed here.

10. Standard Chartered DigiSmart Credit Card.

Criterion Chartered DigiSmart Credit Card.
Specification Chartered typically issues memory cards really quickly as well as their confirmation rate is rather higher. Requirement Chartered DigiSmart Credit Card delivers on-the-spot savings and cashback on online devotes on Myntra, Yatra, Ola, Zomato, Grofers as well as Inox.

Eligibility: Annual income > Rs. 4 Lakhs.

Charge: Rs. 49 monthly, forgoed off on investing Rs. 5,000 in the previous month.

Compensate Rate:

20% markdown on Myntra, limited to Rs. 700 each month.
20% discount rate as much as Rs. 750 on Yatra for domestic tours, the moment per fourth.
15% cashback on Ola, confined to Rs. 600 each month.
10% savings on Zomato, max. savings Rs. 150 minimal to 5 opportunities in a month.
10% savings approximately Rs. 1,000 in a month on Grofers, restricted to 5 purchases.
Acquire 1 and Get 1 on movie tickets ornamentals on Saturdays as well as Sundays at Inox, confined to 2 times in a month.
Special Offers.


For amateurs, it’s simplest to obtain their first charge card from the banking company where their earnings profile is actually. As they progress in their job, once they create a great credit report, they can seek various other cards along with much better reward fees as well as features.

20% off on Swiggy purchases above Rs. 5% markdown on Amazon investments of Rs. 499, turned around if annual devotes for a final year >= Rs. 1% fuel surcharge disclaimer for each purchase between Rs. 1% gas additional charge disclaimer, maximum Rs.

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