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
Network
Sort:
Showing 6 of 6 cards
✓3X reward points
✓6 domestic lounge visits/year
✓Fuel surcharge waiver
✓Good for mid-income earners
✓5% cashback via Google Pay
✓4% on utilities & bill payments
✓2% on all other spends
✓Fee waived at ₹2L annual spend
Amex Membership Rewards Gold
American Express · Amex
Annual Fee
₹1,000
Reward Rate
1X
Lounge
00
✓Good referral program
✓Transfer to 5 airlines
✓Annual milestone bonus
✓Fee waived at ₹1.5L spend
✓5% cashback on Amazon for Prime members
✓2% for non-Prime
✓Zero annual fee
✓Unlimited cashback, no cap
✓10X points on Amazon, BookMyShow, Cleartrip
✓Fee waived at ₹1L spend
✓5X on all online spends
✓Easy approval process
Flipkart Axis Bank
SponsoredAxis Bank · Visa
Annual Fee
₹500
Reward Rate
1.5X
Lounge
40
✓5% cashback on Flipkart, Myntra, 2GUD
✓4% on partner merchants
✓Fuel surcharge waiver
✓Fee waived at ₹2L spend
