Top Entry Level Credit Cards For Beginners
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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