Synopsis: Looking to start using credit cards? This article lists the five best credit cards that offer benefits and rewards for first-time users while helping them build a good credit score.
Are you new to the credit card world and looking for the best credit card to choose? It can be overwhelming to choose from a pool of options to find the right fit, especially for beginners. We have curated a list of the top 5 best credit cards that are beginner friendly along with financial wellbeing.
Axis Bank Neo Credit Card
Card overview: the Axis Bank Neo credit card is the perfect card for beginners who prefer digital payments. The card is popular among the students for its rewarding benefits on movie bookings and mobile recharge.
- Joining fees: Rs 250
- Annual fees (from second year): Rs 250
Features and benefits:
- 5% off on mobile recharge, DTH recharge payments done via Paytm.
- Welcome benefit for 100% cashback worth up to Rs 300 on the first utility bill payment made within the first 30 days.
- Earn EDGE REWARDS points that can be redeemed for rewards and offers.
HSBC Visa Platinum Credit Card
Card overview: the HSBC Visa Platinum Card is a card of its own versatility, perfectly suitable for beginners. The credit card benefits the cardholder with dining discounts, fuel surcharge waivers and rewards on every spend.
- Joining fees: Nil
- Annual fees: Nil
Features and benefits:
- Earn up to 2 reward points for every Rs 150 spent.
- A complimentary 3-months Swiggy one membership once the card is activated.
- Exclusive offers via the courtesy of Visa signature which includes a 12-months complimentary Times Prime subscription, free access to Discovery+, JioHotstar, Uber One and more.
- Rs 250 cashbacks on fuel transactions paid contactless with the credit card.
Standard Chartered Super Value Titanium Credit Card
Card overview: the Standard Chartered Super Value Titanium Credit Card offers a great value on everyday expenses with cashback on fuel and utility bills and dining discounts. This card is ideal for beginners seeking rewards on essential spends.
- Joining fees: Rs 750
- Annual fees: Rs 750
Features and benefits:
- 5% cashback on utility bills, mobile recharges and fuel expenses.
- One reward point for every Rs 150 spent, can be redeemed on exclusive rewards.
- For premium banking customers: the super value Titanium credit card comes with a complimentary priority pass membership.
SimplyCLICK SBI Card
Card overview: this credit card is exclusively designed for online shoppers. Transactions made by the credit card can get you rewards along with milestone benefits.
- Joining fees: Rs 499
- Annual fees: Rs 499
- Annual fee waiver: Rs 1,00,000 spent in the previous year.
Features and benefits:
- A welcome gift of Rs 500 of an amazon voucher card.
- Earn 10X Reward Points on online spends with exclusive partners: Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra.
- e-vouchers of Rs 2,000 on reaching annual online milestone expenses of Rs 1,00,000 and Rs 2,00,000 respectively.
- 1% of fuel surcharge waiver for every transaction between Rs 500 and Rs 3,000.
Also Read: HDFC vs SBI Card Revised Lounge Access: Which Bank Offers Better Benefits in 2026?
Axis Ace Credit Card
Card overview: as rated as one of the top beginner friendly credit cards, the Axis Ace credit card offers a lot on dining, shopping and utility bill payments. With its beginner friendly features, this card seems like the top pick for any applicant.
- Joining fees: Rs 499
- Annual fees: Rs 499
- Annual fee waiver: Rs 2,00,000 spent in the previous year.
Features and benefits:
- 5% cashbacks on utility bill payments done via Google Pay.
- 4 complimentary lounge visits at domestic airports with the credit card.
- 1% fuel surcharge waiver across all fuel stations in India.
- 15% off on dining delights across 4000+ restaurants in India.
- Convert purchases to EMI.
In conclusion
Choosing the right credit card, best suited for your needs can set a foundation to your healthy financial journey. An essential beginning to a healthy financial journey starts from studying the credit card options well by comparing the features, fees and rewards of each card before planning.
Written by Atin Kevin
