Top 5 Credit Cards In India For Beginner’s In 2025

If you are also planning to get a credit card and want to get one for the first time and are unable to understand which would be a good credit card for you, then we have collected this information for all of you where we have explained Top 5 Credit Cards In India For Beginner’s In 2025 different types of credit cards for you with details so that you can choose one as per your requirement and apply for the credit card of your choice and use it properly.

1. SBI Cashback Credit Card

SBI, State Bank of India, this credit card of this bank is going to be very good. If you also use your credit card for online shopping, suit delivery and bill payment, then here you are going to get up to 5% cashback on online transactions and 1 percent cashback on offline transactions and bill payments. We have provided the details of this credit card through the table. If you spend online, then this can prove to be a great credit card for you.

2. HDFC Bank Millennia Credit Card

This credit card has been specially designed keeping in mind the youth and online shoppers, where you get 5% cashback on platforms like Amazon, Flipkart, Zomato, Swiggy, Bookmyshow and a cashback limit of up to ₹1000 per month is also given. This card is going to be for those who want to do great fitness and food shopping. The details of this card are given well in the table below.

3. Flipkart Axis Bank Credit Card

This banking credit card from Flipkart can be a good option for you. If you shop on Flipkart, you will get unlimited cashback of 5%. Apart from this, you will get cashback of around 4% on Swiggy, PVR, Cult Fit, Uber. The joining fee of this card is ₹500 but you also get a welcome bonus of ₹600. With this, you can also get launch access at the airport four times a year. This is going to be the best card for people who like e-commerce, travel and food.

4. IDFC First Bank Ashva Metal Credit Card

This premium metal card from IDFC Bank is going to be great for travel and lifestyle enthusiasts. Here you get 10 times rewards on spending more than ₹20,000. You get access to domestic and international lodges. Railway and golf benefits are also available. There is a one percent stake in the forex market. You get free movie tickets on Bookmyshow. Keep in mind that you can avail these benefits only after completing the spending limit.

5. American Express Membership Rewards Credit Card

This credit card from American Express gives you amazing points. You can save a lot of money here in the form of reward points. 2000 bonus points are given every month on four transactions with a transaction amount of Rs 1500 or more. Apart from this, if you spend Rs 20,000 monthly, you get bonus points. You can earn 24,000 points in a year here. You can also redeem these points on brands at the rate of Rs 1 per point.

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