But there are some cards which are very beneficial for all those people who are taking their first credit card right now.
Friends, before applying for a credit card, you should keep in mind that some credit cards are also made only for a certain benefit such as air travel, petrol (Fuel Card), shopping, cashback or rewards. Points etc.
But if you are a beginner and applying for your first card, then here I am telling about 11 credit cards for beginners which can prove to be very useful for you.
You can choose any of these cards as your first card.
HDFC Money Back Credit Card (HDFC Money Back)
This Credit card is a best option for all those who are applying for their first credit card. HDFC Money Back is a multipurpose credit card. You can use this card for shopping, fuel, EMI, and travel everywhere.
The interest free time in the card is 50 days. After which you have to pay an additional charge of 3.40%.
The annual fee of HDFC money back card is Rs 500/-, which becomes zero if you spend up to 50 thousand in a year.
To apply for the card, your monthly salary should be at least 15 thousand and if your salary or savings account is in HDFC Bank then it can be very beneficial for you.
ICICI Platinum Chip Credit Card: –
Friends, the ICICI Platinum Chip Card is an entry level credit card from ICICI Bank. This card also gives you all the features or benefits that you would expect in any starting card.
You can use this card for online shopping, EMI, fuel filling, movie ticket purchase (Movies & Entertainment), or any additional payment.
The interest free time in the card is 48 days after which you have to pay an additional charge of 3.40 % .
The annual fee of ICICI Platinum Chip Card is Rs 199/- but if you apply for this card online then it is free for you.
To apply for the card, your monthly salary should be at least 20 thousand.
SBI Simply Save Credit Card
SBI Simple Save Credit Card is best for those who are looking for a multipurpose credit card from a government bank.
With this credit card, you can save surcharge by filling fuel at any petrol pump. You can use this card at over 2 million outlets across the world.
Card Annual Fee – 499 / – (If you spend up to one lakh on the card in 12 months, then this card will be free and your fee will also be returned. )
ROI – 3.40% per month
Income Required – 18K – 20K per month
SBI Simply Click Card
If you are looking for a shopping credit card then SBI Simple Click Credit Card would be a good option. You can get up to 10 times reward points for shopping with this card at grocery and shopping malls in India as well as 5% to 10% cashback.
Card Annual Fee – 499 / – (If you spend up to one lakh on the card in 12 months, then this card will be free and your fee will also be returned. )
ROI – 3.40% per month
Income Required – 18K – 20K per month
CITI Cashback (Daily Cashback)
As the name of this credit card shows, this card gives you cashback facility everywhere. You get up to 5% cashback on every purchase you make right from your home bill.
You can avail cash up to 5% on your bill payments and daily expenses. You can save thousands of rupees annually with CITI Bank Cash Back Credit Card.
Card Annual Fee – 500/-
ROI – 3.40% per month
Income Required – 25K per month
CITI Indian Oil (Fuel Benefits)
If you are looking for a best fuel credit card that can save you thousands of bucks then the CITI Bank Indian Oil Credit Card can help you get up to 66 liters of free fuel per year.
Card Annual Fee – 1000 / – (If you spend up to 30000 / – in 12 months with the card, then this card will be free and your fee will also be refunded.)
ROI – 3.40% per month
Income Required – 25K per month
CITI Rewards Card (Rewards Point)
With the Citibank Rewards Card, you can earn Rewards Points on every spend you spend. You can earn 10X Rewards Points for every 125/- INR spend at grocery, supermarkets and other affiliated stores.
CITI Bank gives you 15% off on food at 2000 restaurants across the country along with many other exciting offers.
Card Annual Fee – 1000/- (Spend 30 thousand in 12 months will not attract card fee.)
ROI – 3.40% per month
Income Required – 25K per month
HSBC Platinum Card (Daily Use)
HSBC Platinum is the card that gives you multiple benefits with its Platinum services. You can avail free movie tickets, 10% to 25% off on travel bookings and many other benefits as well.
Card Annual Fee – Nil
ROI – 3.40% per month
Income Required – 35K per month
HDFC Times Titanium (Entertainment)
HDFC Times Credit Card is for those who are looking for entertainment credit card. The Times Card gives you up to 25% off on movie tickets, restaurants, Domino’s and many other lifestyle and entertainment brands.
Card Annual Fee – 500/-
ROI – 3.40% per month
Income Required – 20K per month
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 access to airport lounges and exciting offers like movie ticket cashback on entertainment.
Card Annual Fee – 500/- (Fee 500/-, First Year Fee – Nil, After Second Year – 500/-)
ROI – 3.40% per month
Income Required – 25K per month
HDFC SoliTair Card (First Card For Women)
HDFC Bank Solitaire Credit Card is the only credit card dedicated to women in India.
This card gives you the benefit of extra rewards points on every spend, cashback, EMI facility, low annual fee and freedom to use this card at over 2 million outlets across the globe.
Card Annual Fee – 500/-
ROI – 3.40% per month
Income Required – 15K per month
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