Getting your first credit card might be stressful, but we’re here to make it easier and help you choose the perfect one. There are several sorts of credit cards that suit various needs, such as cashback credit cards, travel cards, business cards, etc.

A cashback credit card may be a good choice if you want to earn rewards on your shopping and eating purchases. Whereas, travel cards can provide frequent travelers with airfare discounts and access to airport lounges. Knowing such features will allow you to choose a card that fits your lifestyle.

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Great Options for First-Time Credit Card Buyers

ICICI Amazon Pay Credit Card

Joining Fees – Nil

Renewal Fees – Nil

The Amazon Pay ICICI Bank Credit Card offers great benefits for shopping. As a welcome offer, you can receive cashback and discounts of up to Rs. 2,000, as well as a free 3-month Prime membership. Prime members can enjoy 5% cashback on Amazon purchases, while non-Prime members can get 3% cashback.

Axis Bank Neo Credit Card

Joining Fees – Nil

Renewal Fees – Nil

Axis Bank offers an entry-level credit card called the Axis Bank Neo Credit Card. This card provides various discounts, cashback, and reward points on shopping. As a welcome benefit, you can get cashback up to Rs. 300 on your first utility bill payment within 1 month of getting the card. You can also enjoy 40% off on Zomato food delivery, 15% off on dining at partner restaurants, and 10% off on Blinkit, Myntra, and BookMyShow.

SBI Cashback Credit Card

Joining Fees – Rs 999 + GST

Renewal Fees – Rs 999 + GST

The SBI Cashback Card, offered by SBI Bank, is a popular cashback reward card. It provides 5% cashback for every online transaction (maximum Rs. 5,000 cashback per month) and 1% cashback on other offline transactions. Additionally, it offers a 1% fuel surcharge waiver, capped at Rs. 100 per month.

HDFC Bank MoneyBack Plus Credit Card

Joining Fees – Rs 500 + GST

Renewal Fees – Rs 500 + GST

The HDFC MoneyBack+ Card, similar to the original MoneyBack Card, is one of the most popular cashback credit card. You can earn 10X CashPoints on partner brands such as Amazon, Flipkart, Reliance Smart Store, Big Basket, and Swiggy. On spends of Rs 50,000 in a calendar quarter, you’ll receive a gift voucher worth Rs 500 (with a maximum benefit of Rs 2,000 in a year).

Also Read: Checklist of Necessary Documents for a Credit Card Application Process 2024

American Express Membership Rewards Credit Card

Joining Fees – Rs 1,000 + GST

Renewal Fees – Rs 4,500 + GST

American Express Membership Rewards Credit Card offers exclusive benefits and privileges for every purchase. You can receive a welcome bonus of 4,000 Bonus Membership Reward Points by paying the joining fee of Rs 1,000 and spending Rs 15,000 within the first 90 days of receiving the card. You can also enjoy discounts of up to 20% at select restaurants when using your American Express Rewards credit card.

There are several other benefits included with these cards. You can check them out on the official card issuer’s site to get an idea of which card suits you. Also, remember to check the eligibility before applying for a credit card. If you meet all the requirements, then you can apply for it.

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Disclaimer: The above content is for informational purposes only. Please consult with a certified financial advisor before applying for any credit card.