Best Starter Credit Cards in India
First card? These approve new-to-credit profiles, cost little or nothing, and build your CIBIL score safely.
Platinum Chip Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
2 points per ₹100 on retail spends
My Zone Credit Card
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Joining: ₹500 + taxes (often LTF offers)
Annual: ₹500
SonyLIV annual subscription complimentary
SimplyCLICK SBI Card
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Joining: ₹499 + taxes
Annual: ₹499 (waived on ₹1L annual spend)
10X points on Amazon, BookMyShow, Cleartrip, Swiggy and partners
FIRST Millennia Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
10X points on spends above ₹20k/month and birthday spends
HSBC Visa Platinum Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
2 points per ₹150; 5X after ₹4L annual spends
YES Pop-Club Credit Card
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Joining: ₹399 + taxes
Annual: ₹399 (spend-based waiver)
Brand 'club' perks — Swiggy, Zomato, boAt, Cult and more
YES Prosperity Rewards Plus
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Joining: ₹399 + taxes
Annual: ₹399 (waived on ₹50k annual spend)
Reward points on all retail spends
BOBCARD Easy
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Joining: ₹0 (spend-based)
Annual: ₹500 (waived on ₹6k spend in 60 days / yearly spends)
5X points on grocery, departmental stores and movies
Not sure which starter card fits best?
Tell us your number — an advisor calls back with the top 2–3 matches for your spending. No credit-score impact.