The 5 BEST Credit Cards For Beginners in 2022

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Looking for a credit card that provides you the highest value but at low rates? Then you reached the right blog. We have listed down the top 5 Best credit cards for beginners in 2022. Since we are focusing on beginners we will be discussing the entry-level credit cards that are worth consideration. Keep reading to know the features and benefits of the below-mentioned credit card:


Credit Cards

Joining Fee

Renewal Fee

Citi Cashback Credit Card 

Rs. 500

Rs. 500

Axis Bank Ace Credit Card

Rs. 499 + GST

Rs. 499 + GST

SBI SimplyCLICK Credit Card

Rs. 499 + GST

Rs. 499 + GST

Flipkart Axis Bank Credit Card

NIL

NIL

Amazon Pay ICICI Bank Credit Card

NIL

NIL



Citi Cashback Credit Card

CitiBank offers a credit card to meet the shopping requirements of the cardholders. You can shop as well as dining benefits on the Citi Cashback credit card. The cashback earned is credited to your account. Read on to know the benefits of this credit card:

  • Earn 0.5% cashback on all your spendings.

  • Earn 5% cashback up to Rs. 100 on movie tickets and telephone bill payments.

  • Earn 5% cashback up to Rs. 100 on utility bill payments through Citibank Online Bill Pay.

  • Enjoy discounted offers on Swiggy, Zomato, and partner restaurants. 

  • Cashback of up to Rs. 3,000 on rent payments through RedGirraffe. 

  • Save up to 10% on MakeMyTrip. 


Axis Bank Ace Credit Card

You can avail of this credit card at Rs. 499 plus applicable taxes and enjoy cashback rewards on your spendings. Moreover, you get complimentary lounge access on the Axis Bank Ace credit card. Keep reading to know the benefits of this credit card:

  • Earn 5% cashback on utility bill payments via GooglePay. 

  • Earn 4% cashback on Zomato, Swiggy, and Ola. 

  • Earn 2% cashback on all other spendings. 

  • The joining fee will be waived off on spending Rs. 10,000 within 45 days of card activation. 

  • The renewal fee will be waived off on spending Rs. 2 lakhs in the previous year.

  • Enjoy 4 complimentary domestic lounge access every year.

  • Save up to 20% on dining bills at 4,000+ restaurants. 


SBI SimplyCLICK Credit Card

For this credit card, you need a good credit score. However, you can also avail of this credit card under the secured credit cards against a fixed deposit. Avail the SBI SimplyCLICK credit card at Rs. 499 plus applicable taxes. Keep reading to know the features and benefits of this credit card: 

  • Get a gift voucher worth Rs. 500 from Amazon as a welcome offer after the payment of annual fees. 

  • Earn 1 reward point on every Rs. 100 spent on offline transactions.

  • Earn 10x reward points (10 RPs) on every Rs. 100 spent at selected merchant sites like Amazon, ClearTrip, BookMyShow, Dineout, Lenskart, etc.

  • Earn 5x reward points (5 RPs) on every Rs. 100 spent on all other online transactions. 

  • Enjoy milestone benefits on spending a pre-defined limit. 

  • The renewal fee will be waived off on spending Rs. 1 lakh in the previous year. 


Flipkart Axis Bank Credit Card

This credit card also comes under two variants, one is unsecured which requires a good credit score and the other one is secured that can be vouched against a fixed deposit. You not only earn rewards on the Flipkart platform but on other platforms too. Read on to know the benefits of the Flipkart Axis Bank credit card:

  • Get welcome benefits worth Rs. 2,500 on card issuance.

  • Earn 5% cashback on shopping from Myntra and Flipkart.

  • Earn 4% cashback on Swiggy, Uber, PVR, and Curefit.

  • Earn 1.5% cashback on all other online and offline spending. 

  • Avail offers and discounts up to 20% on dining under Axis Bank’s dining delights program.

  • Enjoy 4 complimentary domestic lounge access in a year.


Amazon Pay ICICI Bank Credit Card

One of the famous lifetime free credit cards that have gained popularity within no time. This credit card allows both prime and non-prime members to earn rewards on online and offline spendings. Hereunder is the benefits of the Amazon Pay ICICI Bank credit card:

  • Get Rs. 300 to Rs. 600 Amazon Pay Balance as a welcome offer.

  • Prime members get 5% cashback on all purchases from Amazon.

  • Non-Prime members get 3% cashback on all purchases from Amazon.

  • Earn 2% cashback on partner merchants that accept payments through Amazon Pay.

  • Earn 1% cashback on all other payments online or offline except fuel transactions. 



Bottom Line:


To conclude, all the credit cards discussed above are entry-level credit cards and beginners can vouch for them without any second thoughts. First-time credit card applicants can consider applying for lifetime free credit cards or secured credit cards. Under secured credit cards, you can look for SBI SimplyCLICK credit card, Flipkart Axis Bank credit card, ICICI Bank Coral credit card, etc. Whereas under Lifetime free credit cards you can vouch for Amazon Pay ICICI Bank credit card, HSBC Visa Platinum credit card, Flipkart Axis Bank credit card, etc. The above-mentioned credit cards are few that come under the best credit cards in India. 

It all depends on you how well you manage a credit card. You need to keep the credit card dues clear in full every month and maintain a low credit utilization ratio. All entry-level credit cards are ideal to begin your credit card journey just see that they complement your spending habits and financial health. You can easily build a good credit score with these credit cards.

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