Updated 2026
Your First Credit Card Doesn’t Have to Be Boring
No credit history? No problem. These cards are genuinely good starting points.
Annual Fee
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Showing 16 of 16 cards
✓Zero annual fee — free for life
✓Works with UPI apps
✓No income requirement
✓Good for building credit history
✓Zero annual fee — free for life
✓Decent reward rate for a free card
✓Low income requirement
✓Good starter card
✓Zero annual fee — free for life
✓Basic everyday rewards
✓No income documents needed for existing customers
✓Simple and straightforward
✓Zero annual fee — free for life
✓Customizable reward categories
✓Pick 3 categories for higher rewards
✓Good entry card
✓Low annual fee of ₹199
✓Rewards on all spends
✓RuPay UPI credit
✓Easy approval for beginners
✓Lifetime free — zero annual fee
✓Cashback on online spends
✓No minimum spend required
✓HDFC app management
IDFC FIRST Hello Cashback
IDFC FIRST Bank · Visa
Annual Fee
Free
Reward Rate
2X
Lounge
00
✓Lifetime free — zero annual fee
✓Cashback on dining and shopping
✓IDFC FIRST app management
✓Quick approval
✓Lifetime free — zero annual fee
✓UPI credit via RuPay
✓Cashback on digital spends
✓Backed by SBM Bank India
✓Lifetime free — zero annual fee
✓UPI credit via RuPay network
✓Cashback on online spends
✓Works with PhonePe, GPay, BHIM
✓UPI credit via RuPay network
✓Domestic lounge access
✓Fuel surcharge waiver
✓Annual fee waived on spend
✓UPI credit via PhonePe & Google Pay
✓Cashback on online spends
✓Domestic lounge access
✓Annual fee waived on spend
✓Buy 1 Get 1 on BookMyShow
✓4X points on dining
✓4 domestic lounge visits/year
✓Low annual fee
✓Lifetime free — zero annual fee
✓5% cashback on online shopping
✓No merchant restrictions
✓Cashback on dining spends
✓Lifetime free — zero annual fee
✓Simple cashback structure
✓No minimum spend
✓Quick digital application
✓Lifetime free — zero annual fee
✓UPI credit via RuPay
✓Neo-bank digital experience
✓Quick app-based approval
Kredit.Pe Yes Bank LTF UPI
Yes Bank · Rupay
Annual Fee
Free
Reward Rate
1X
Lounge
00
✓Lifetime free — zero annual fee
✓UPI credit via RuPay
✓Easy fintech onboarding
✓Yes Bank backing