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Curated Picks|Updated June 2026

Best Credit Cards for First-Time Users (June 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

ICICI Amazon Pay

ICICI · No annual fee · 100% rewards

#2

ICICI MakeMyTrip Signature

ICICI · No annual fee · 100% rewards

#3

Standard Chartered Priority Visa Infinite

SC · No annual fee · 100% rewards

#4

IndusInd Pinnacle

IndusInd · No annual fee · 75% rewards

#5

IndusInd Nexxt

IndusInd · No annual fee · 75% rewards

#6

IndusInd Legend

IndusInd · No annual fee · 50% rewards

#7

IndusInd Platinum Aura Edge

IndusInd · No annual fee · 40% rewards

#8

IndusInd Tiger

IndusInd · No annual fee · 40% rewards

#9

IndusInd Platinum RuPay

IndusInd · No annual fee · 35% rewards

#10

HSBC Visa Platinum

HSBC · No annual fee · 25% rewards

#11

AU NoMo

AU · No annual fee · 25% rewards

#12

HSBC RuPay Platinum

HSBC · No annual fee · 25% rewards

#13

IDFC First FIRST WOW!

IDFC First · No annual fee · 25% rewards

#14

IDFC First Select

IDFC First · No annual fee · 25% rewards

#15

IDFC First Wealth

IDFC First · No annual fee · 25% 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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