🧠 What to Look For in a Beginner Credit Card

If you’re just starting your credit journey — especially with a low income — here’s what to focus on:

✅ Zero or Low Annual Fees
✅ Low or Moderate Credit Limit (₹10K–₹50K)
✅ Easy Online Application Process
✅ Approval Based on Savings or FD (if salary is low)
✅ Rewards or Cashback Options

🔝 Top 5 Best Credit Cards for Beginners in India (2025)

1. SBI SimplySave Credit Card

• Annual Fee: ₹499 (Waived on ₹1L spend)

• Income Required: ₹15,000/month

• Benefits: 10X rewards on groceries, movies, dining

• Approval: Easy if CIBIL > 650

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2. ICICI Amazon Pay Credit Card

• Annual Fee: ₹0

• Income: ₹15,000+

• Benefits: 5% cashback on Amazon (Prime), 1% everywhere

• Bonus: Works great with Amazon UPI

• No joining fees

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3. HDFC MoneyBack+ Credit Card

• Fee: ₹500/year (waived with usage)

• Income: ₹12,000+

• Benefits: Cashback on online spends

• Approval Tip: Link to HDFC savings account for easy approval

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4. AU Bank LIT Credit Card (2025 Edition)

• Fee: Zero joining fee

• Fully digital onboarding

• Income: Flexible (including self-employed)

• Benefits: Customizable card features — choose what you want

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5. Axis Bank My Zone Credit Card

• Fee: ₹500 (Waived off with minimal use)

• Benefits: Free SonyLiv, dining discounts

• Income: ₹15K–₹20K range

• Perfect for students, gig workers

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✍️ How to Apply & Get Approved Faster

🔹 Keep PAN, Aadhaar & Income Proof Ready
🔹 Apply via official bank websites or trusted platforms
🔹 Maintain a savings account with the issuing bank
🔹 Use a Fixed Deposit–backed credit card if you have no income proof

💡 Don’t qualify yet? Try building your credit with a small personal loan from Vizzve Financial first.

⚠️ Mistakes to Avoid with First-Time Credit Cards

❌ Spending up to your full limit
❌ Making only the minimum due
❌ Ignoring due dates
❌ Applying for multiple cards at once
❌ Not checking for hidden fees

🆚 Credit Card vs. Personal Loan for Small Expenses