Beginner Credit Cards

Simple starting options, including lifetime-free and beginner-friendly cards.

How to use this category

Compare fees, reward structure, caps, exclusions, eligibility and the card's main use case. Open any card for its dedicated page and official issuer source. CardClue does not guarantee approval.

All categories Cashback Food & Dining Shopping Travel FD-Backed Cards Lifestyle Premium Fuel

3 cards

Cards in this category

Each card links to a full detail page.

BeginnerLifetime FreeTravel

HSBC Platinum Credit Card

People looking for a no-annual-fee card with general rewards and lifestyle benefits.

Annual fee₹0

Main rewardReward points

Key difference₹0 annual fee; airline/hotel point conversion

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Build CreditBeginnerLifetime Free

SBM ZET FD Credit Card

First-time credit users or people looking for an FD-backed route into credit.

Annual fee₹0 stated by ZET

Main rewardCashback / UPI rewards

Key differenceFD-backed card with no income proof or credit history requirement stated by ZET

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Build CreditBeginnerLifetime Free

DCB novio Credit Card

People who want a secured credit card and a simpler path to starting credit history.

Annual fee₹0

Main rewardRewards / card benefits

Key differenceFD-backed, lifetime-free structure; physical card eligibility from ₹10,000 cumulative FD

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