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Curated Picks|Updated August 2026

Best Credit Cards for First-Time Users (August 2026)

If this is your first credit card, focus on simplicity. Choose a card with no annual fee, straightforward rewards, and no complex redemption hoops.

How to Choose

  • Start with a lifetime free or FD-backed card
  • Choose simple cashback over complex point systems
  • Verify the card reports to CIBIL to build your credit score
  • Avoid cards with high annual fees that you cannot justify in year one

Top 15 Cards for Credit Cards for First-Time Users

#1

Scapia Federal Credit Card

4.5

Federal · No annual fee · 10% rewards

#2

Standard Chartered Priority Visa Infinite

4.5

SC · No annual fee · 2% rewards

#3

Yes Bank Kiwi RuPay

4

YES · No annual fee · 1.5% rewards

#4

Amazon Pay ICICI Bank Credit Card

5

ICICI · No annual fee · 1% rewards

#5

IDBI Eclat

4

IDBI · No annual fee · 1% rewards

#6

IDBI LIC CSL Eclat Select

4

IDBI · No annual fee · 1% rewards

#7

Yes Bank BYOC (Build Your Own )

4

YES · No annual fee · 1% rewards

#8

IndusInd Pinnacle

4.5

IndusInd · No annual fee · 0.75% rewards

#9

IDBI Royale Signature

IDBI · No annual fee · 0.75% rewards

#10

IndusInd Platinum RuPay

4

IndusInd · No annual fee · 0.7% rewards

#11

ICICI MakeMyTrip Signature

4.5

ICICI · No annual fee · 0.62% rewards

#12

Axis Insta Easy

Axis · No annual fee · 0.6% rewards

#13

AU NoMo

4.5

AU · No annual fee · 0.5% rewards

#14

IndusInd Legend

4.5

IndusInd · No annual fee · 0.5% rewards

#15

AU Xcite

4

AU · No annual fee · 0.5% rewards

Frequently Asked Questions

What credit score do I need for my first credit card?
Many first-time cards accept applicants with no credit history. FD-backed cards are available to anyone with a fixed deposit. A CIBIL score of 700+ helps for unsecured cards.
Should I get a secured or unsecured card first?
If you have no credit history, a secured (FD-backed) card is the easiest path. After 6-12 months of on-time payments, you can upgrade to an unsecured card.

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