Applying for a credit card for the first time? Worried whether you will get a credit card without a CIBIL Score? Then you have reached the right article, hereunder we have discussed the 5 best entry-level credit cards in India that you can consider applying for.

Entry-level credit cards are either lifetime free credit cards or have a low joining and renewal fee. They are easy to obtain as you have to only meet the minimum age and stable income requirements. Moreover, they are perfect to begin your credit journey with as you get to understand the working of a credit card and you are able to build a good credit score. Without any further ado, here are the 5 best entry-level credit cards in India.

  1. Amazon Pay ICICI Credit Card:
    ICICI Bank in association with Amazon offered this lifetime free credit card that lets both prime and non-prime members earn cashback rewards. The Amazon Pay ICICI Credit Card offers you shopping and dining benefits. The Prime members get to earn up to 5% cashback and non-prime members get to earn up to  3% cashback on this credit card. Also, you get a welcome benefit of cashback between Rs. 300 – Rs. 600 in your Amazon Pay Balance.
  2. HSBC Visa Platinum Credit Card:
    This is a lifetime free credit card and welcomes you with an Amazon gift voucher worth Rs. 500. The HSBC Visa Platinum Credit Card lets you earn 2 reward points on spending every Rs. 150 and 5x reward points on crossing annual spending of Rs. 4 lakhs. With this credit card, you get to enjoy movie benefits as well. You also get to enjoy the complimentary 3 lounge access or 3 meal vouchers on onboarding this credit card.Learn more here.
  3. Flipkart Axis Bank Credit Card:
    This credit card has caught the eyes of every credit card appliers. You can avail of the Flipkart Axis Bank Credit Card at Rs. 500 plus applicable taxes. Earlier it used to be a lifetime free credit card, however, if you spend Rs. 2 lakhs in the previous year you can still make this credit card a lifetime free credit card. With this credit card, you get to earn 5% cashback on shopping from Flipkart and Myntra, 4% cashback on spendings at Swiggy, Uber, PVR, etc., and 1.5% cashback on all other spending. You also get to enjoy the travel benefits with this credit card.
  4. SBI SimplyCLICK Credit Card:
    This is one of the most popular credit cards by SBI Cards. You can vouch for the SBI SimplyCLICK Credit Card at Rs. 499 plus applicable taxes. You get to earn 1 reward point on every Rs. 100 spent on offline transactions, whereas on online transactions at selected merchants you get to earn 10x reward points and 5x reward points on other online transactions. This credit card is ideal for the generation who spent a lot on online transactions.
  5. RBL Bank ShopRite Credit Card:
    You can avail of this credit card at Rs. 500 plus applicable taxes. The RBL Bank ShopRite Credit Card lets you earn 1 reward point on all retail spending, 10 reward points on fuel transactions, and 20 reward points on grocery purchases. This credit card is covering all your day-to-day spending and letting you have a decent reward rate. What else do you need? You also get to enjoy other benefits like movies, fuel surcharge waiver, etc. Learn more about this credit card here.

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