If you’re just starting your credit journey, finding the easiest credit card to get in India can make all the difference. Many banks now offer credit cards for beginners with simple eligibility criteria and low documentation. These are ideal credit cards for first timers who have little to no credit history. Whether you’re a student, a young professional, or simply new to credit, choosing the best credit card for beginners in India helps build your credit score while enjoying basic benefits. Wondering which credit card is easy to get in India? Let’s explore top options that are perfect for credit card for beginners India.
Top 10 Easiest Credit Card To Get In India August 2025
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Credit Card Name |
Explore Now |
Why It’s Easiest to Get |
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ICICI Amazon Pay Credit Card |
Lifetime free, easy approval, great for shopping |
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Axis Bank Flipkart Credit Card |
Low joining fee, ideal for Flipkart users |
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SBI SimplyCLICK Credit Card |
Beginner-friendly, online rewards, simple process |
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Axis Bank ACE Credit Card |
Good cashback, low fee, simple documentation |
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YES Bank PaisaSave Credit Card |
Zero joining fee, very accessible for new users |
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Axis Bank Neo Credit Card |
Easy approval, youth-friendly, low income required |
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Citibank Cashback Credit Card |
Entry-level card, simple eligibility, cashback rewards |
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Standard Chartered Super Value Titanium Card |
Easy to get, great for everyday spending |
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HSBC Visa Platinum Card |
No annual fee, beginner-friendly, quick approval |
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IDFC FIRST Millennia Credit Card |
Lifetime free, low eligibility, top beginner choice |
1. ICICI Amazon Pay Credit Card – Credit Card For Beginners India
The ICICI Amazon Pay Credit Card is one of the best first-time credit cards in India. Designed for ease and convenience, it’s a basic credit card with no joining or annual fees, making it an excellent pick for anyone starting their credit journey. If you’re searching for the best credit card for first-time users in India, this card checks all the boxes – simple eligibility, digital application, and solid rewards on every purchase.
Here’s why it’s considered one of the best credit cards for beginners:
- Zero joining and annual fees – perfect for new users with budget concerns.
- No physical documentation required – the card is issued completely online.
- Instant approval and digital card – ready to use within minutes via the Amazon app.
- 5% cashback for Prime users & 3% for non-Prime users on Amazon purchases.
- 1% cashback on all other online spends – making it one of the best credit cards to start with.
- Accepted everywhere – just like any regular Visa card.
- No need for a high income or prior credit history, making it ideal among credit cards for first time users.
If you’re wondering what’s the best first credit card to apply for, the ICICI Amazon Pay Credit Card offers a hassle-free experience with real cashback and valuable rewards – making it a top contender for every beginner in India.
2. Axis Bank Flipkart Credit Card – Best First Time Credit Card
If you’re a first-time credit card user or just starting out in the world of credit, the Axis Bank Flipkart Credit Card is one of the easiest credit cards to get in India. It’s a simple, rewarding, and beginner-friendly card—ideal for people who shop online frequently and want maximum cashback on daily purchases.
Wondering what is the easiest card to get approved? This card often tops the list due to its low eligibility requirements and high approval rates.
Here’s why the Axis Bank Flipkart Credit Card is perfect for credit card for dummies or new users:
- 5% cashback on Flipkart and Myntra – amazing for regular shoppers.
- 4% cashback on preferred partners like Swiggy, PVR, and Uber.
- 1.5% cashback on all other spends – making it a solid first time credit card.
- Welcome benefit worth ₹500 as Flipkart vouchers.
- Annual fee of just ₹500, waived off on spending ₹2 lakh/year.
- Simple documentation and online application – one of the easiest credit cards to get for salaried individuals.
- Also works well as an easiest student credit card to get if you have a stable source of income or education loan.
So, what is the easiest credit card to receive in India with great benefits? The Axis Bank Flipkart Credit Card is your answer – a great mix of low cost, high rewards, and easy access for every beginner.
3. SBI SimplyCLICK Credit Card – Best Credit Card For First Time Users India
If you’re wondering how to get a credit card for the first time, the SBI SimplyCLICK Credit Card is one of the best introductory credit cards in India. Designed with beginners and online shoppers in mind, this card offers a rewarding experience without being complicated. It’s ideal for credit cards for beginners or those applying for a credit card for the first time.
Whether you’re a young professional or a student with a steady income, this is one of the easiest credit cards to get in India.
Here’s why SBI SimplyCLICK is considered the best credit card for beginners in India:
- 10X rewards on online spends at Amazon, BookMyShow, Cleartrip, and more.
- 5X rewards on all other online spends.
- Annual fee of ₹499, easily waived on spending ₹1 lakh per year.
- Welcome gift: ₹500 Amazon voucher – great for first-time users.
- Fast online application process – ideal for credit cards for first timers.
- Great option as a best first credit card for students with income proof or educational loan.
Looking for the best first credit card that’s easy to manage and earns rewards on daily online purchases? The SBI SimplyCLICK Credit Card is a strong contender. It’s not just beginner-friendly—it’s also a smart choice to build your credit history the right way.
4. Axis Bank ACE Credit Card – Ideal For First Time Credit Card User
Looking for a good credit card for beginners with simple rewards and easy approval? The Axis Bank ACE Credit Card is one of the top starter credit cards in India. Designed especially for people who are new to credit, this card combines savings and cashback in a super beginner-friendly way. Whether you’re a young earner or just starting to build your credit, this is a great credit card for beginners.
Here’s why Axis Bank ACE is considered one of the best starter credit cards:
- 5% cashback on bill payments and mobile recharges via Google Pay.
- 4% cashback on Swiggy, Zomato, and Ola.
- 2% cashback on all other spends.
- Annual fee of ₹499, waived on spending ₹2 lakh annually.
- Comes with free airport lounge access, a rare bonus in beginner cards.
- Quick online approval and easy-to-use app for managing expenses.
- Widely accepted and ideal as a good starter credit card for salaried individuals.
If you’re searching for great starter credit cards that offer real value from day one, the Axis Bank ACE Credit Card is a solid pick. It balances ease of use with cashback benefits, making it one of the best credit cards for beginners in India.
5. YES Bank PaisaSave Credit Card – Best Starter Credit Card
If you’re new to credit cards and want something simple, rewarding, and easy to get, the YES Bank PaisaSave Credit Card is a fantastic option. This is one of the most recommended credit cards for beginners in India, offering straightforward benefits with no complicated terms. Whether you’re a salaried professional or just starting to build your financial profile, this starter credit card makes credit easy and rewarding.
Here’s why it’s one of the best credit cards for beginners in India:
- Lifetime free card – no joining or annual fee.
- Easy approval process – among the easiest credit cards to get in India.
- Earn cashback on everyday spending like groceries, dining, and fuel.
- 1% fuel surcharge waiver at all fuel stations.
- Supports secure online and offline transactions with zero lost card liability.
- Ideal for first timers and those with beginner credit.
If you’re searching for a credit starter credit card that offers great value without extra costs, the YES Bank PaisaSave Credit Card is a top choice. It’s simple, safe, and made for those stepping into the world of credit for the first time – truly one of the best credit cards for beginners India has to offer.
6. Axis Bank Neo Credit Card – Good Credit Cards For Beginners
If you’re new to credit and looking for a card that’s easy to get and packed with real benefits, the Axis Bank Neo Credit Card is a perfect match. It’s one of the best credit cards for beginners with no credit and is designed especially for first timers who want to start their credit journey on the right foot.
Whether you’re a student, young professional, or someone without a prior credit history, this card offers a low barrier to entry and exciting perks, making it a starter credit card to build credit quickly.
Why Axis Bank Neo is a great choice for beginners:
- Low annual fee with welcome vouchers worth more than the fee.
- Get discounts on Amazon, BookMyShow, Zomato, and Myntra.
- Easy application and approval – ideal for those wondering which credit card is easy to get in India.
- Earn EDGE reward points on every spend.
- Accepted globally, with strong security and fraud protection.
- One of the best travel credit cards for beginners due to its wide partner network.
If you’re comparing options for 2025, the Axis Neo stands out among the best credit cards 2025 for beginners and offers more than just convenience—it’s a tool to help you build your credit smartly. Whether you’re searching for the best SBI credit card for beginners or other easy options, Neo deserves a spot on your list.
7. Citibank Cashback Credit Card – Credit Starter Credit Card
If you’re looking for a beginner-friendly, unsecured credit card that helps you save while you spend, the Citibank Cashback Credit Card is one of the most reliable options in India. It’s perfect for those searching for starter credit cards with no deposit or anyone starting their credit journey with no prior history.
This card combines simplicity with savings, making it one of the good credit cards for first timers who want to earn cashback on everyday expenses without complex reward systems.
Why Citibank Cashback Credit Card is great for beginners:
- No deposit required – it’s an unsecured credit card for beginners.
- Get 5% cashback on movie tickets, phone bills, and utility payments.
- Flat 0.5% cashback on all other spends.
- Enjoy automatic cashback credit into your statement – no need to track or redeem.
- Accepted widely – great for both online and offline purchases.
- Ideal for starter credit cards with no credit or beginner business credit cards for entrepreneurs with small spends.
- Easy to manage and one of the best airline credit card for beginners, especially if you fly occasionally and want to manage travel budgets smartly.
Whether you’re a student, first-time earner, or setting up your small business, the Citibank Cashback Credit Card is a no-fuss, rewarding, and reliable way to begin your credit journey.
8. Standard Chartered Super Value Titanium Credit Card
The Standard Chartered Super Value Titanium Credit Card is one of the best credit cards for beginners in India, offering practical benefits and simple rewards. If you’re looking for a basic credit card with valuable features and easy approval, this is a smart pick for first-time users.
Perfect for those asking which credit card is easy to get in India, this card offers daily savings on fuel, bills, and more—ideal for credit cards for first timers and those who want to build credit the right way.
Why it’s a great first-time credit card:
- One of the best first-time credit cards for salaried individuals and professionals.
- 5% cashback on fuel spends across all petrol pumps.
- Earn cashback on utility bill payments and telecom bills.
- Easy approval makes it a top credit card for beginners in India.
- Simple reward structure – ideal for those seeking a basic credit card.
- Great for learning how credit works without being overwhelmed.
- One of the best credit cards to start with, especially if your spends are utility-focused.
Whether you’re a young professional or someone new to the world of credit, the Standard Chartered Super Value Titanium Card helps you save while building your credit profile with ease.
9. HSBC Visa Platinum Card – Beginner Credit Cards For Students
The HSBC Visa Platinum Credit Card is one of the best introductory credit cards for anyone stepping into the credit world. Whether you’re a first-time credit card user, a student, or someone asking what is the easiest card to get approved, this card is a smart, no-fuss option to begin your journey.
With zero joining fee and attractive rewards from the start, it’s a strong pick for those searching for the easiest student credit card to get or a credit card for dummies.
Why it’s great for beginners:
- No joining or annual fee, making it ideal as a first-time credit card.
- Welcome offers worth up to ₹2,000 on shopping, dining, and fuel.
- 5X rewards on dining, hotels, and telecom categories.
- Easy to apply and get approved – great if you’re wondering how to get a credit card for the first time.
- Accepted globally – perfect for beginners who want to travel or shop online.
- One of the easiest credit cards to receive with minimal requirements.
Whether you’re new to credit or looking for your first credit card, the HSBC Visa Platinum Card makes it simple, rewarding, and worry-free.
10. IDFC FIRST Millennia Credit Card – Beginner Credit Cards To Build Credit
The IDFC FIRST Millennia Credit Card is one of the most recommended credit cards for beginners looking for zero-fee, reward-loaded options. With no annual or joining fees, this card is designed for people who want to build their credit history while enjoying cashback and offers.
If you’re searching for good credit cards for beginners or top starter credit cards, this one checks all the boxes with ease of use, smart features, and amazing value.
Why it’s a great credit card for beginners:
- Lifetime free card – no hidden charges, ideal for first-time users.
- Earn up to 10X rewards on online spending, making it a great credit card for beginners.
- Interest-free cash withdrawals for up to 48 days – rarely offered in entry-level cards.
- Fuel surcharge waiver and discounts on dining, movies, and travel.
- Easy to get and manage, it’s among the best credit cards for beginners in India.
- Features contactless payments and 24/7 app support.
Whether you’re new to credit or looking for great starter credit cards, the IDFC FIRST Millennia is a solid, rewarding choice to begin with.
Which is the best credit card in India
The best credit card in India depends on your needs, but beginners often prefer low-fee, reward-packed options like IDFC FIRST Millennia or SBI SimplyCLICK.
What is the easiest card to get approved?
The easiest card to get approved is usually a starter credit card with minimal income requirements, like Axis Bank Neo or YES Bank PaisaSave.
What is the easiest credit card to receive in India?
The easiest credit card to receive in India is often a basic, no annual fee card aimed at first-time credit card users.
Which is the best credit card for beginners in India?
The best credit card for beginners in India includes options like SBI SimplyCLICK, Axis ACE, and IDFC FIRST Millennia.
Where can I apply for a free credit card online?
You can apply for a free credit card like IDFC FIRST Millennia or Amazon Pay ICICI online with zero joining or annual fees.
What are the best credit cards for beginners with no credit?
Cards like Axis Neo and HSBC Visa Platinum are great starter credit cards for users with no credit history.
Are there starter credit cards for 18-year-olds in India?
Yes, 18-year-olds can apply for starter credit cards like SBI Student Card or secured cards designed for building credit early.
Which is the best travel credit card for beginners?
The best travel credit card for beginners includes Axis Bank Flipkart Card and HDFC Millennia, offering travel deals and cashback.
What are the best credit cards 2025 for beginners?
The best credit cards for beginners in 2025 are expected to include Axis ACE, IDFC Millennia, and SBI SimplyCLICK due to ease and rewards.
Which are the best credit cards for first timers in India?
Top credit cards for first timers include SBI SimplyCLICK, YES Bank PaisaSave, and Axis Bank Neo.
What are the best starter credit cards to build credit?
Starter credit cards to build credit include IDFC FIRST Millennia and Axis Neo, designed to help users establish a credit score.
Trending Credit Cards In India July 2025
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