Best Credit Cards for Beginners
We ranked 14 cards for beginners: ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. Jupiter Edge CSB comes first with an effective reward rate of about 5.0%.
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| Card | Best rate | Annual fee | Apply |
|---|---|---|---|
| Jupiter Edge CSB | 5.0% effective | ₹0 | Apply now |
| IDFC First Bank Millennia | 3.0% effective | ₹500 | Apply now |
| Slice Slice Card | 2.0% effective | ₹0 | Apply now |
| Fi Visa Platinum | 1.0% effective | ₹0 | Apply now |
| HDFC Bank UPI RuPay | 1.0% effective | ₹0 | Apply now |
| Kotak Mahindra Bank 811 | 1.0% effective | ₹0 | Apply now |
| ICICI Bank Instant Platinum | 0.5% effective | ₹0 | Apply now |
| Axis Bank Buzz | 0.3% effective | ₹0 | Apply now |
| HDFC Bank Pixel Go | Rate not published | ₹0 | Apply now |
| HSBC Smart Value | Rate not published | ₹0 | Apply now |
Frequently asked questions
- Which is the best credit card for beginners?
- Based on published rewards and fees, Jupiter Edge CSB ranks first for beginners.
- What reward rate can I get on beginners?
- The top-ranked card works out to about 5.0% effective rewards.
- Are there beginners cards with no annual fee?
- Yes. 13 of the ranked cards have no annual fee, including Jupiter Edge CSB.
- How are these cards ranked?
- Cards are ranked by published rewards; annual fee amortised over an assumed ₹3,00,000 yearly spend. Cards whose reward rate is not published as a cash value are listed after cards with a known rate. Rankings use only published card data.
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