Top Entry Level Credit Cards For Beginners

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Top Entry Level Credit Cards

Credit cards are the financial tools that can help you achieve financial goals. In this article, we have compiled a comprehensive list of top entry-level credit cards in India. So that, you can find the right credit card that fits your financial needs well. 

ICICI Amazon Pay Credit Card:  This is a Visa-powered card launched in collaboration with Amazon India. If you like to spend online, then this card might be the right fit for you. With this card, you get awarded with Amazon pay cashback, which can be used by the customers to redeem not only online but also at the offline merchant stores. Amazon Prime members benefit from this offering by the ICICI Bank. Prime customers get up to 5% cashback on purchases on Amazon whereas Non-Prime customers can get up to 3% cashback on their purchases. Below are some key features of the ICICI Amazon Pay credit card.

●       Prime members get up to 5% cashback and Non-Prime members get up to 3% cashback on their spendings.

●       Save up to 15% on dining with ICICI Culinary Treats Program. 

●       You get a 1% fuel surcharge waiver across all fuel stations in India. The waiver is provided on transactions up to Rs 4000.

●       You get Rs 300 to Rs 600 as Amazon Pay balance as a Signup bonus.

SBI SimplyCLICK Credit Card: SimplyCLICK credit card is a co-branded card offered in collaboration with top e-commerce sites such as BookMyShow, Amazon India, Cleartrip, Food Panda, FabFurnish, LensKart, and Ola Cabs. The customers get amazon gift cards worth Rs 500 as a signup bonus. Some of the key features of SBI SimplyCLICK credit card are stated below.

●       10X reward points on your online purchases using SimplyCLICK credit card partner exclusives websites

●       You get an e-voucher from Cleartrip worth Rs 2,000 on an annual spending of Rs 1,00,000 and another Cleartrip voucher worth Rs 2,000 on annual spending of Rs 2,00,000.

●       As a signup bonus, you get an amazon e-voucher worth Rs 500.

●       1% fuel surcharge waiver on transactions between Rs 500 and Rs 3000

HDFC Bank Times Titanium: With your Times Titanium credit card, you receive exclusive rewards on your spendings on dining, wellness, shopping and other categories. You get 5 reward points on every Rs 150 spent using your Times Titanium credit card. You are charged a nominal fee of worth Rs 500. Some of the key features of HDFC Times Titanium card are stated below.

●       Get exclusive offers on clothing and dining as a sign-up bonus.

●       You get upto 25% off on BookMyShow subject to maximum limit of Rs 350 per transactions

●       1% surcharge waiver on fuel transactions, you get waiver on transactions between Rs 400 and Rs 5000

HSBC Visa Platinum Credit Card: HSBC Visa Platinum is an entry level visa-powered credit card. The card offers you 5x accelerated rewards on your spendings. The customers can earn upto 15,000 reward points using your HSBC Visa platinum credit card. In addition to this, you can enjoy 3 complimentary domestic and international lounge visits as a signup bonus. Some key features of HSBC Visa Platinum card are stated below. 

●       Earn 5x reward points on annual spending of Rs 4,00,000 or above.

●       Get 3 complimentary domestic and international lounge access visits, Amazon voucher worth Rs. 500 and upto 10% cashback on your spendings as sign-up bonus.

●       Buy 1 get 1 offer on booking movie tickets through BookMyShow

●       10% discount on Tata CLiQ on a minimum transaction of Rs. 1000

●       10% discount on electronics on a minimum transaction of Rs. 3000

●       10% discount on the Tata CLiQ luxury website on a minimum transaction of Rs. 5000

Citi Cashback Credit Card: Citi Cash Back credit card is another great entry level credit card offered by Citibank. With this credit card, you get upto 5% cashback on telephone bill payment and movie ticket bookings. In addition to this, you get cashback of 5% on online utility bill payments made using your Citibank Online bill pay. Below are some key features of the Citi Cashback credit card.

●       Get a 5% cashback on your telephone bill payments & movie ticket purchases.

●       A cashback of 5% on utility bill payments through Citibank Online Bill Pay.

●       You get upto 50% off on Zomato and 30% off on Swiggy

●       1% surcharge waiver fuel transaction across all IndianOil petrol stations.

Bottom Line

If you are a beginner looking to begin your credit card journey then this list might help you figure the best card for yourself. Before applying for a credit card, it is important for you to compare between different cards to get the best credit card that suits your goals.

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