Best Credit Card for Entry Level 2022
List of Best Credit Card for Entry Level in India
- Citi Cash Back Credit Card
- Axis Bank ACE Credit Card
- SBI SimplyCLICK Credit Card
- Amazon Pay ICICI Bank Credit Card
- Standard Chartered Super Value Titanium Credit Card
- HSBC Visa platinum Credit Card
6. HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card
No joining and annual fees.
Reward points
- 5x rewards on subsequent purchases made after crossing spend amount of INR 400,000 with a max 15,000 accelerated (reward points in an anniversary year)
Earn Cashback
- Get cashback worth INR250 on spending over INR50,000 in a month
Lounge Access
- Introductory benefits up to INR 2,250 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal) vouchers
- Air miles conversion on InterMiles, British Airways and Singapore Airlines
Fuel Surcharge Waiver
- Up to INR3,000 annual savings on fuel surcharge
Welcome privileges (minimum transaction INR1,000 within 30 days of card issuance)
- Amazon voucher INR500
- 50% discount (up to INR100) on first transaction on Google Pay
- 10% cashback, Spend Up to INR2,000
Extra Features
- Buy one get one free movie tickets on Saturdays (Up to INR250) in BookMyShow
- 15% instant discount on select products in Lifestyle, Electronics and Luxury Categories on TataCLiQ
- You must be age between 18 to 65
- Minimum annual income must be INR4,00,000 per annum for salaried and individuals
- Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune
- No Joining and Annual Fees
5. Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card
Joining and Annual fees- ₹750
Earn Cashback
- 5% cashback on Fuel, Telephone and Utility bills
Reward points
-
1 reward point for every INR 150
Welcome benefit
- 100% cashback on fuel purchases within 90 days of card issuance
- You should be age between 21 to 65 years
- Minimum age for add-on cardholder is 18 years
- Minimum monthly income of INR 55,000 is required
- Applicants should belong to credit card sourcing cities/locations of the Bank
- Joining and Renewal Fee Rs. 750
4. Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
No joining and annual fees.
Earn Cashback
- 5% cashback on your purchases through Amazon for prime users
- 3% cashback on purchases through Amazon for non-prime users
- 2% cashback on all transactions using Amazon Pay at partner merchants
- 1% cashback on all other transactions
Fuel Surcharge Waiver
- 1% fuel surcharge waiver at all fuel stations
Dining Benefits
- 15% on your dining bill at participating restaurants
- You should be between the age of 18 and 60 years
- Salaried or self-employed both are eligible
- Salaried person monthly income of Rs. 25,000 or more
- Self-employed monthly income of Rs. 35,000 or more
- Individuals should have a Cibil Score of 750 or above
- No Joining and Annual Fees
3. SBI Simply Click Credit Card
SBI Simply Click Credit Card
Joining and Annual fees- ₹1000
Reward points
- 10X rewards on online spends with exclusive partners- Amazon / Apollo24X7/ BookMyShow / Cleartrip / Dineout/ Lenskart / Netmeds
- 5 rewards per Rs. 100 on other online spends
- 1 reward point per Rs. 100 spent on other categories
Welcome Benefit
- welcome e-gift card worth Rs. 500 from Amazon
Milestone Benefits
- E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh and Rs. 2 Lakhs each
Fuel Surcharge Waiver
- 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000
- Available to both Salaried and Self-employed
- Salaried person gross Income ₹20,00 per month
- Self-employed gross Income ₹30,000 per month
- Joining & Renewal Fees – ₹499
- Spend 1 lakhs or more in the preceding 1 year and get renewal membership fee waived off
2. Axis Bank Ace Credit Card
Axis Bank Ace Credit Card
Joining and Annual fees- ₹499
Cashback
- 5% cashback on all bill payment
- 4% cashback on Swiggy, Ola and Zomato
- 2% cashback on all other spends
Fuel Surcharge Waiver
- 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
Dining Benefit
- Up to 20% off at 4,000+ participating restaurants
Lounge Access
-
4 complimentary lounge access at domestic airports
Extra Benefit
- Best EMI options
- You should be between the age of 18 to 70
- Salaried or self-employed both are eligible
- Must be an Indian resident
- Joining Fee Rs. 499
- (Joining Fee reversed upon spends of Rs. 10,000 within 45 days of card issuance)
- Annual fees Rs. 499
- (Annual Fee waived off on annual spends greater than Rs. 2,00,000)
1. Citi Cashback Credit Card
Citi Cashback Credit Card
Joining and Annual fees- ₹500
Cashback
-
- 5% cashback on purchases movie ticket, telephone and utility bill payments
- 0.5% cashback on all other spends
- (Cashback automatically credited to statement in multiples of ₹500)
Dining Privileges
- Up to 20% savings across participating restaurants
Travel and Lifestyle Services
- Enjoy up to Rs 1000 instant savings on flights and hotels on Easemytrip
- You should be age of 18
- Salaried and Self- Employed both are eligible
- Minimum Income Rs. 25,000 per month
- Joining and Renewal Fee Rs. 500