MoneyRadar
All credit cards

Best first credit cards

Easy approval, forgiving fees, and simple rewards — the right way to get your first card without regrets.

ICICI Bank

Amazon Pay ICICI

Visa

Our top pick in this list.

Annual fee
Free
Rewards up to
5%
Lounges/yr
0
Rates verified 15 Jun 2026
IDFC FIRST Bank

IDFC FIRST Millennia

Visa · RuPay

IDFC FIRST Millennia

IDFC FIRST Bank

Annual fee
Free
Rewards up to
3%
Lounges/yr
4
Rates verified 15 Jun 2026
Kotak Mahindra Bank

Kotak 811 #DreamDifferent

Visa

Kotak 811 #DreamDifferent

Kotak Mahindra Bank

Annual fee
Free
Rewards up to
1%
Lounges/yr
0
Rates verified 15 Jun 2026
SBI Card

SBI Unnati (Secured)

Visa

Annual fee
Free
Rewards up to
0%
Lounges/yr
0
Rates verified 15 Jun 2026
OneCard (FPL/BoB)

OneCard

Visa

OneCard

OneCard (FPL/BoB)

Annual fee
Free
Rewards up to
1%
Lounges/yr
0
Rates verified 15 Jun 2026
Axis Bank

Axis Bank ACE

Visa

Axis Bank ACE

Axis Bank

Annual fee
₹499
Rewards up to
5%
Lounges/yr
4
Rates verified 15 Jun 2026
SBI Card

SBI SimplyCLICK

Visa · Mastercard

Annual fee
₹499
Rewards up to
3%
Lounges/yr
0
Rates verified 15 Jun 2026

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