All credit cards
Best first credit cards
Easy approval, forgiving fees, and simple rewards — the right way to get your first card without regrets.
Quick answer
Best first credit cards: start with Amazon Pay ICICI, IDFC FIRST Millennia, Kotak 811 #DreamDifferent. Compare annual fee, reward fit and eligibility before applying, and only use a card if you can pay the full bill every month.
ICICI Bank
Amazon Pay ICICI
Visa
Amazon Pay ICICI
ICICI Bank
Our top pick in this list.
- Annual fee
- Free
- Rewards up to
- 5%
- Lounges/yr
- 0
Rates verified 26 Jul 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 26 Jul 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 26 Jul 2026
OneCard (FPL/BoB)
OneCard
Visa
Axis Bank
Axis Bank ACE
Visa
SBI Card
SBI SimplyCLICK
Visa · Mastercard
SBI Card
SBI Unnati (Secured)
Visa
Not sure this list fits you? Answer four quick questions and we'll rank cards for your exact situation instead.