Getting your first credit card is exciting — but also a little intimidating. With 100+ options in India, each claiming to be the “best,” how do you know which one to choose as your first credit card?
The good news: the right first credit card can help you build your credit score, earn rewards, and manage expenses smartly. The bad news: the wrong one can mean hidden fees & unnecessary debt.
This 2025 guide will walk you step by step through how to choose your first credit card in India, so you can start your journey with confidence.
1. Understand Why You Want a Credit Card
Before applying, ask yourself:
- Do I want it to build credit history?
- Am I looking for rewards/cashback on daily spends?
- Do I need travel benefits (lounges, miles)?
- Or simply a backup for emergencies?
Your purpose will guide your choice. For most beginners, a basic rewards or lifetime free card is ideal.
2. Check Eligibility Based on Income & Profile
Banks usually require:
- Minimum income: ₹15,000–₹25,000/month (varies by card).
- Age:Â 18+ with stable income.
- Credit history: If you’re new-to-credit, look for “First Credit Cards” or “Student Cards”.
Pro tip: Start with cards from banks where you already have a savings account (HDFC, ICICI, SBI, Axis) — higher approval chances.
3. Choose the Right Fee Structure
Credit cards in India fall into three buckets:
- Lifetime Free Cards (no annual fee) → best for first-timers.
- Low-Fee Cards (₹500–₹1,000/year) → value if you shop online regularly.
- Premium Cards (₹5,000–₹10,000/year) → not for beginners, unless your income is ₹1L+ per month.
Always check if the fee can be waived with annual spends.
4. Match Card Benefits to Your Lifestyle
Your spending pattern decides which card works best:
- Online Shoppers → Flipkart Axis, Amazon Pay ICICI, SBI SimplyCLICK.
- Food & Delivery Lovers → HDFC Millennia, Axis ACE.
- Students/First Jobbers → IDFC FIRST Classic, ICICI Amazon Pay (lifetime free).
- Travellers → Axis Atlas, HDFC Regalia Gold (not ideal as first card, but if you travel often, worth it).
5. Watch Out for Hidden Charges
Banks love fine print. Look for:
- Late payment fees (₹200–₹1,200).
- Cash withdrawal charges (2.5%–3%).
- Forex markup fees (3.5% typical, avoid if you don’t travel abroad).
- Over-limit penalties.
Golden rule:Â Always pay full bill, not just minimum due.
6. Start Small, Build Gradually
- Use your first card wisely for 6–12 months.
- Keep utilization below 30% of your credit limit.
- After building a credit score (700+), apply for premium/travel cards.
7. Best First Credit Cards in India (2025 Picks)
Here are some beginner-friendly options:
| Card | Annual Fee | Best For | Key Perks |
|---|---|---|---|
| Amazon Pay ICICI | â‚ą0 | Online shoppers | 5% back on Amazon, 1% everywhere |
| Flipkart Axis | â‚ą500 | Flipkart/Myntra users | 5% cashback, unlimited |
| SBI SimplyCLICK | â‚ą499 | E-commerce | 5X rewards on online spends |
| HDFC MoneyBack+ | â‚ą500 | General use | Cashback on groceries + online |
| IDFC FIRST Classic | â‚ą0 | Students/first job | Lifetime free, low charges |
Choosing your first credit card in India doesn’t have to be overwhelming. Focus on your income, lifestyle, and spending habits, and pick a card that helps you save without adding stress.
Remember: Credit cards aren’t just for the rich — they’re for everyone who wants to shop smart and build financial confidence.
Start simple, use wisely, and within a year you’ll be ready to upgrade to more rewarding cards.
[Explore our full list of Best Credit Cards in India 2025 →]
FAQs – How to Choose First Credit Card in India
Q1. What is the easiest credit card to get in India?
Amazon Pay ICICI, IDFC FIRST, and SBI SimplyCLICK are easiest to approve.
Q2. Can students get a credit card?
Yes. Options include IDFC FIRST Classic (with low-income proof) or secured credit cards against fixed deposits.
Q3. Will my first credit card affect my credit score?
Yes. Timely bill payments build your score. Late payments damage it.
Q4. Should I go for a premium card first?
No. Start with lifetime free or low-fee cards, then upgrade once your income/credit score grows.
