Best credit cards for Beginners with no credit history in India 2025
Welcome back! In my last post, I wrote about the easiest and most effective ways to build your first credit score as a beginner with no income proof. I covered all the possible methods (which are usually hard to find in one place), and the very first step I suggested was to get a free credit card.
Why Beginners Struggle with Credit Cards
Now, the challenge most students or individuals without a job face is that their credit card applications often get rejected due to lack of income. But as I mentioned earlier, it is possible for anyone — even students or those without income — to get a credit card.
Before applying, it’s important to understand the do’s and don’ts of using a credit card and how to manage it responsibly. I have covered this in my post: Top Mistakes Beginners Make with Their First Credit Card in India
The Best Way to Start Your Credit Journey
The first thing to do is check your credit score. If you have a low score—or even no score at all—that’s perfectly fine. I, I always advise beginners to start their credit journey with a free credit card (no joining fee, no annual fee). Don’t worry if the card has a higher interest rate — because we are never going to miss a bill payment. The worst mistake a beginner can make is paying only the minimum due instead of the full bill & doing this will hurt your credit score before you even get a chance to build it.
In this post, I’ll share all the available beginner-friendly credit card options in the market — without any affiliate or promotional links. I want to keep this blog focused on genuine financial help, unlike some sites that push sponsored cards at the top of their list (not naming names here 👀).
I’ve done my research directly from several bank websites, and the information here is updated as of the date mentioned at the top of this post. I’ll also keep maintaining this page by adding new cards and removing outdated ones, so you’ll always find the most relevant beginner options here. The goal is simple: to help you pick a card you can actually get approved for — with zero rejection headaches.
Best Credit Cards in India for Beginners with No Credit History
1. IDFC FIRST WoW Credit Card
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: 4X reward points, up to 100% FD limit, Also supports Rupay card virtually.
- Best For: Beginners with no history
- Approval Ease: ✅ Very Easy
- I’ve personally used this card. You can apply online with a quick video KYC, and no income proof is required. However, you’ll need to open a fixed deposit (₹10k–₹25k for one year), and your credit limit will be based on that FD.
2. ICICI Platinum Chip (Secured)
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: FD-backed, basic reward points
- Best For: No income applicants
- Approval Ease: ✅ Very Easy
- This card can be applied for directly through ICICI Bank without the need for video KYC. Simply create a fixed deposit with ICICI Bank, and you’ll be given the option to apply for the credit card. The credit limit is usually equal to your FD amount. Please note, you must already hold an ICICI Bank account to apply.
3. SuperCard by SuperMoney
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: Cashback on everyday spends, app-based control
- Best For: Students, beginners without history
- Approval Ease: ✅ Easy
- The SuperCard by SuperMoney can be applied fully online,no income proof is required. Applicants may need to create a small fixed deposit to qualify, and the credit limit is typically linked to the FD amount. Since the process is digital-first, approvals are generally faster compared to traditional banks.
4. HDFC Credit Card Against FD
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: No income proof required, Credit limit typically up to 90% of FD
- Best For: Students, homemakers, or anyone without a traditional credit history
- Approval Ease: ✅ Easy
5. Bank of Baroda Prime (Secured)
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: Entry-level rewards, FD security
- Best For: Students / Homemakers
- Approval Ease: ✅ Very Easy
6. SBM Bank FD-backed (via ZET)
- Type: Secured (FD-backed)
- Annual Fee: ₹0
- Benefits: Approval without income, digital onboarding
- Best For: Credit novices
- Approval Ease: ✅ Very Easy
7. Amazon Pay ICICI
- Type: Lifetime Free
- Annual Fee: ₹0
- Benefits: 5% cashback (Prime), 3% (Non-Prime), 1% elsewhere
- Best For: Online shoppers
- Approval Ease: ✅ Easy
8. IDFC FIRST Classic
- Type: Lifetime Free
- Annual Fee: ₹0
- Benefits: No annual fee, decent rewards, fuel waiver
- Best For: Everyday use
- Approval Ease: ✅ Easy
9. HDFC MoneyBack
- Type: Entry-level
- Annual Fee: ₹500 (waived on spends)
- Benefits: 4X rewards on online spends
- Best For: Young professionals
- Approval Ease: ✅ Easy
10. SBI SimplyCLICK
- Type: Entry-level
- Annual Fee: ₹499
- Benefits: 10X rewards on Amazon/Flipkart/Myntra
- Best For: Online shoppers
- Approval Ease: ⚠️ Moderate
11. Flipkart Axis Bank
- Type: Cashback
- Annual Fee: ₹500
- Benefits: 5% cashback on Flipkart, 1.5% elsewhere
- Best For: E-commerce users
- Approval Ease: ⚠️ Moderate
12. Axis Ace
- Type: Cashback
- Annual Fee: ₹499
- Benefits: 2% on all spends, 5% on utilities, free lounge access
- Best For: Utility bill payers
- Approval Ease: ⚠️ Moderate
That’s not all — I haven’t included every beginner-friendly credit card yet. I’ll continue updating this list regularly and refining the entries. For now, this is the most up-to-date version, and you can choose based on your personal use case. The top three are strong recommendations, but remember, these are not hard rules — the best card ultimately depends on your needs.
If you are interested in RuPay Credit Card (UPI support) without credit score, I would recommend your to read the post: Top RuPay Credit Cards for Beginners in India – No Credit Score Needed
Once you get your first credit card, avoid applying for too many others right away. It’s better to use your first card consistently for a few months and keep it active for years. Your credit score is partly based on the age of your oldest credit account, so closing it too soon or applying for multiple cards too quickly can hurt your score. Stick to one card until you see a significant improvement in your credit profile.
Very soon, I’ll also be posting a guide on how to use your credit card efficiently — not just to avoid debt, but also to earn cashback, rewards, and even extra income without wasting money. You’ve probably seen horror stories online of people falling into heavy credit card debt — my goal is to make sure that never happens to you.
Checkout our updated post on: 1st Credit Card for Students in India (No Credit Score)
See you next time 👋
Don’t forgot to let me know in the comments your first credit card and its benfits and I shall update my list to reflect it, with the help of your comments we will improve and share good information with the needy one.
For those who already have a credit score and want to improve it, we’ll cover that in our next blog. Don’t forget to subscribe to our email list to stay updated on personal finance tips—we promise, no spam!
