Top 5 Best Credit Cards: For those seeking to establish a credit history or to start handling their financial affairs independently, deciding on the right credit card, is an important first step. New entrants to credit need cards that are low on fees, easier to manage, and provide good rewards. Here’s our rating of the best 5 credit cards for beginners in India in 2025:

1. SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Card is a well-known card for new card users, it suits consumers who frequently shop online. The SBI SimplyCLICK credit card earns 10x reward points for users on all online purchases from select sites like Amazon & BookMyShow. At a yearly fee of ₹499 (with an annual spend of ₹?% or ₹1 lakh to get no fee), this is an affordable and good value option. The card will ultimately allow benefit from cashback in addition to rewards.

2. HDFC Millennia Credit Card
With its digital-first approach, the HDFC Millennia Credit Card is an option worth considering. This credit card offers a 5% cashback on your purchases from Amazon, Flipkart, Swiggy, and Zomato as well as a 1% cashback on everything else. The annual fee for the HDFC Millennia Credit Card is ₹1,000, although the fee can be waived on an annual spend of ₹1 lakh. If you can relate to something you would do, the HDFC Millennia Credit Card might be right for you.

3. ICICI Platinum Chip Credit Card
If you want to keep rates and costs to a minimum, the ICICI Platinum Chip Credit Card is a lifetime
free card with no annual fee. The ICICI Platinum Chip card offers one reward point for every Rs. 100 spent, and provides simple discounts on dining through various ICICI Culinary Treats partners. The ICICI Platinum Chip card is a minimalistic, simple, and secure card to help enable new users in their aspirations of managing responsible credit usage.

4. Axis Bank Flipkart Credit Card
The Axis Bank Flipkart Credit card has made a splash among Flipkart shoppers and Flipkart regulars. The Axis Bank Flipkart Credit Card provides a 5% cashback on Flipkart and Myntra Shopping, 4% cashback on partners like Swiggy and PVR, and 1.5% cashback on all others spends. Both online and offline, all for a Rs. 500 annual fee that is waived with Rs. 2 lakh spending annually.

5. Amazon Pay ICICI Credit Card
As a Prime user, the Amazon Pay ICICI Credit card is for you. The best lifetime free card for you provides 5% cashback for Prime members, 3% cashback for others through Amazon and 1% cashback on all other purchases with no cap.

Also Read: Virtual Credit Cards vs. Physical Cards: Which is Safer?

These five credit cards can be used by beginners respectively and offer the best balance of affordability, rewards, and ease of use. Adopting the right credit card for a first-time user that aligns closely with user spending habits, optimizes financial growth and develops a healthy credit score for future years of credit usage and financial freedom.

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