Using a credit card is more than just a practical way to make payments in the current digital era; it’s also a wise way to manage your spending, earn rewards, and raise your credit score.
Starting with the appropriate beginner-friendly card is crucial if you’re new to credit. In 2025, a variety of credit cards tailored for new customers will be available from banks and other financial institutions. These cards have flexible eligibility requirements, straightforward reward systems, and inexpensive fees.
The top five credit cards for novices in 2025 will be covered in this blog to help you choose the right fit for you.
Best Credit Cards for Beginners in 2025
1. SBI SimplyCLICK Credit Card
In India, the SBI SimplyCLICK card is among the most preferred choices for new customers. Designed for tech-savvy people, this card offers substantial rewards for online purchases. For purchases made on partner websites such as Amazon, BookMyShow, and Cleartrip, it provides accelerated reward points. In addition, it offers fuel surcharge waivers and milestone benefits.
| Feature | Details |
| Annual Fee | ₹499 (waived on ₹1L spend) |
| Rewards | 10X reward points on partner sites such as Amazon, BookMyShow, etc. |
| Eligibility | Salaried/self-employed, age 21 and above |
| Best For | Online shopping |
2. ICICI Amazon Pay Credit Card
This ICICI product, a lifetime free card co-branded with Amazon, is ideal for regular Amazon customers. It’s easy and rewarding because the cashback is credited straight to your Amazon Pay balance. It is ideal for young professionals and students who frequently shop online because it has no annual or joining fees.
| Feature | Details |
| Annual Fee | None |
| Rewards | 5% (Prime members), 3% (non-Prime members) on Amazon |
| Eligibility | Indian residents, age 21 and above |
| Best For | Amazon Prime users |
3. HDFC MoneyBack+ Credit Card
MoneyBack+, an improved HDFC entry-level card, provides good returns on groceries and bill payments in addition to double reward points on a few online purchases. It’s perfect for regular consumers who want to make money while establishing credit because of its low fee and bonus points upon activation.
| Feature | Details |
| Annual Fee | ₹500 (waived on ₹50,000 spend) |
| Rewards | 2X points on Amazon, Flipkart |
| Eligibility | Monthly income of ₹15,000+ |
| Best For | General daily expenses |
4. Axis Bank Flipkart Credit Card
High cashback is available on Flipkart and its affiliated partners, such as Myntra and Swiggy, with this co-branded card. If these platforms account for the majority of your monthly purchases, this card is great. It is an alluring first card for online shoppers because it offers welcome benefits.
| Feature | Details |
| Annual Fee | ₹500 (waived on ₹2L annual spend) |
| Rewards | 5% cashback on Flipkart & Myntra |
| Eligibility | Age 18+, stable income |
| Best For | Flipkart/Myntra users |
5. OneCard Credit Card
OneCard is a cutting-edge, digitally first credit card that banks and fintech companies jointly offer. It is entirely run through a mobile app and has no annual or joining fees. For tech-savvy novices who desire complete control and visibility over their card, it’s a good option.
| Feature | Details |
| Annual Fee | None |
| Rewards | 5X points on the top two spending categories |
| Eligibility | Salaried/self-employed, age 21+ |
| Best For | App-savvy users, minimalist lifestyle |
Bottomline
Your lifestyle and spending patterns will determine which credit card is best for you as a beginner in 2025. There is a beginner-friendly card designed for you, regardless of whether you are managing your finances, shopping online, or beginning your financial journey overseas.
Start with a credit card that helps you responsibly build credit, offers simple rewards, and has no or a low annual fee. Keep in mind that the correct card not only covers your everyday costs but also establishes a solid credit base for the future.
Pay in full, swipe wisely, and see your credit score rise!
Written by: Tanya Kumari
