Top Entry Level Credit Cards For Beginners

Chatur Credit Cards Information Podcast

There is something about owning a credit card that makes you feel grown-up. you may have seen your parents use it and would have been longing to get one with your name on it. now that you have a job, it is time to make your long-standing wish come true and get yourself the best credit card in India. Many of you might have queries regarding credit cards, like, which are the best credit cards, how do i apply for a credit card, how to improve my credit score after i start using my credit card? today, we will address the first question. there are so many credit cards in the market, and each of them claims to be the best. how do you identify one that truly works for you and meets your requirements as a new credit cardholder?

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10 best credit cards for beginners

The first step is to identify where you would be using the credit card the most. you can then select a card that offers the most benefits in that area.

if you shop a lot, then it would be better to get one that offers maximum points for shopping. if you are someone who travels a lot during the year, then try to get one that offers more points for booking tickets and allows lounge access.

Here are the top 10 best credit cards for beginners in India to help you pick the right one.

1. Citibank cashback credit card

True to its name, the Citibank cashback credit card offers cashback on almost every transaction.

• get 5% cashback when you book movie tickets and pay telephone and utility bills.
• get 0.5% cashback on all other transactions.

2. American Express membership rewards credit card

The membership rewards credit card is the perfect example of why American Express cards are the most sought after.

• It has an annual fee of ₹1,000. it also has a renewal fee of ₹4,500, which can be waived if you spend more than ₹1.5 lakhs.
• Get 4,000 bonus membership reward points as a welcome gift

3. Standard Chartered super value titanium credit card

While most cards offer cashback and rewards for shopping and travel spends, there are few that do so for fuel spends. this is one card that does.

• It has an annual fee of ₹750, and the renewal fee is also ₹750.
• Get 5% cashback on paying utility bills, phone recharges and on fuel spends.

4. HSBC Visa platinum card

Do the annual and renewal fee on the credit cards bother you? then the HSBC Visa platinum card is perfect for you.

• It has zero joining, annual and renewal fee.
• get two reward points for every ₹150 spend on the card.

5. HDFC Regalia credit card

If you are someone who spends in all areas and would like to be rewarded for your spending, then the HDFC Regalia credit card is just what you need.

• It has an annual fee and renewal fee of ₹2,500. the renewal fee can be waived if you spend more than ₹3 lakh in a year.
• get 2,500 reward points when you join and when you pay the renewal fee every year.