Beginner Cards
Entry-level cards with low income requirements.
Data as of 18 Jun 2026
Cards in Beginner Cards
4 cards
ICICI Bank
ICICI Platinum Credit Card
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
lifetime-free
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
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SBI Card
SBI Unnati Credit Card
1 reward point per ₹100 — Best for rewards · beginners.
rewards
Annual Fee
₹499
Reward Rate
1 reward point per ₹100
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Kotak Mahindra Bank
Kotak 811 Dream Different Credit Card
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
lifetime-free
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
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IDFC FIRST Bank
IDFC FIRST Classic Credit Card
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
lifetime-free
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
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