Best first credit card in India
Your first card should be easy to get, free to keep, and simple to use. These are good starting points.
4 cards to consider
Each link opens the bank's referral offer. Choose the card named below when you apply.
Scapia Federal Bank Card
₹1,000 off your 1st flight
Bonus for you
Lifetime-free travel card made for flights and hotels.
IDFC FIRST Bank Credit Cards
₹500 gift voucher
Bonus for you
Several lifetime-free cards, plus an FD-backed option if you're still building credit.
Kiwi RuPay Credit Card
₹100 joining reward
Bonus for you
Turns UPI scan-and-pay into credit card spends with cashback. An easy first card.
Tata Neu Credit Card (NeuCard)
Joining fee waived + perks
Bonus for you
Earns NeuCoins on Tata brands and on UPI, and a referral waives the joining fee.
Before you apply
- No credit history or a low score? An FD-backed (secured) card is the easiest approval and builds your score.
- Use under 30% of your limit and pay the full bill on time. That's what raises your score.
- Start with one card. After 6 to 12 months of on-time payments, you'll qualify for better cards.