Which Is The Best Credit Card For A First Time Borrower In India?

Are you searching for a card that offers an excellent incentive for a reasonable fee? There are numerous options of credit cards available for first-time borrowers. These cards are most appropriate for first-timers who have recently begun with their credit journey and might want to build credit and profit benefits simultaneously.

The base pay necessity on these cards typically goes from 25,000 to 35,000 every month. Here, in this article, you will find the best credit card options in India, offering different advantages to clients who have just begun their credit journey.

  1. Flipkart Axis Bank Credit Card

One of the vital features of this Axis Bank credit card is its default cashback of 1.5%, which turns out to be the second-most noteworthy on the lookout. This implies that even if you make an offline purchase of Rs. 3,000, you will get Rs. 45 as cashback.

Additionally, the card generously reimburses you for your shopping and travel costs offering 5% cashback on Flipkart, Myntra, and 2GUD and 4% cashback on MakeMyTrip, Goibibo, and Uber. Even though restricted to specific stages, this is a considerable cashback rate for a credit card for first-time borrowers, not average among cards in this credit range. Likewise, since Flipkart doesn’t have a wallet facility like Amazon, the cashback is straightforwardly credited to your card account, making the cashback model less difficult.

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  1. Indian Oil Citibank Credit Card

For quite a while, IOC Citi Platinum Card has been outstanding amongst other fuel credit cards in India. Despite the fact that the additional advantages are restricted to Indian Oil Fuel Stations, the card permits you to acquire prizes across all categories, which can be reclaimed for fuel. Other prizes are likewise offered on staple goods and store spends which are proper classifications for everybody. Bonuses are acquired as Turbo Points which never terminate so you can procure and recover at your speed.

  1. Amazon Pay ICICI Credit Card

Amazon Pay ICICI card was among the primary cards dispatched with a significant online business brand. In spite of the fact that the card’s general cashback rate is similarly low at simply 1%, it actually offers excellent worth back for Amazon Loyalists, particularly PRIME Customers.

Since Amazon Pay has 100+ vendors recorded on it, the 2% cashback is likewise a significant-good arrangement. Be that as it may, the cashback isn’t credited to your Amazon Pay Balance and not to your card account, confining the utilization just through the online platform. You don’t have to pay a penny while joining. You do not even have to bother about the annual fee.

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  1. YES Prosperity Rewards Plus

With regards to remunerate focuses, this YES Bank credit card is a fantastic alternative for those procuring Rs. 25,000 in a month. The card offers additional awards on staple goods and general store spends, which are among the most widely recognized spends for a more significant portion. Any remaining classes get 4 points for each Rs. 200 spent, which is likewise very liberal for this credit range.

In spite of the fact that these reward points can be changed over into air miles (just Intermiles and Club Vistara), the conversion proportion stands excessively low at 8:1.  The card is most appropriate for individuals who need to get a low-charge high-rewards card. The base rate is superior to most cards, and consequently, it bodes well for everybody. Likewise, if you wish to get cashback for your irreplaceable costs like staple goods and general store spends, this card will help you save enormously. You can visit www.creditcard.co.in for more information on the best credit card options.

  1. HDFC Platinum Times Credit Card

This is a well-known card for first-time borrowers by HDFC Bank, essentially centered around movies and eating. You will get 25% off on booking film tickets on BookMyShow, which is a great arrangement if you are a successive film watcher. Your eating costs during non-weekend days acquire ten award points for each Rs. 150 spent rather than the overall reward range of 3 points per Rs. 150. HDFC Times Platinum is a significant primary card with clear advantages.

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  1. Citi PremierMiles Credit Card

This Citibank credit card has kept on being a standout amongst other travel credit cards in India for quite a long time due to its incredible air miles program and the element to move the miles to various aircraft and hotel networks. The overall air-mile acquiring rate is 4%, superior to numerous other air mile cards like HDFC Diners Club miles and Axis Vistara Signature Credit Card. Be that as it may, the redemption pace of these air miles might have been something more.

Presently, the Miles to Air Miles transfer rate is 2:1, so for 2 miles acquired on your card, you get 1 Air Mile with a carrier of your decision. All things considered, PremierMiles is as yet a decent pick if you are searching for a primary and remunerating air miles program. Additionally, since the miles never lapse, you can decide to gather miles and use them at your own speed and choice.

  1. HSBC Visa Platinum Card

Do the yearly and renewal expense on the credit cards trouble you? At that point, the HSBC Visa Platinum card is ideal for you. It has zero joining, yearly, and renewal charges.

You receive two award points for each INR 150 spend on the card. You receive 15% off for eating at accomplice cafés. You get the privilege to convert air miles to book flight tickets. You are entitled to get more rewards and offers after spending more on the card.

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A credit card is an extraordinary method to build and keep up your credit score. If you use it sensibly, it can turn into your closest companion and assist you with dealing with your accounts better. Today, it is likewise simple to take care of credit card bills on the internet. If you consider acquiring a credit card, settle on a decision from this list and watch as you save more on your costs.

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