Top 10 Credit Cards Jo New Applicants Ke Liye Best Choice Hain

India mein credit cards ka landscape 2024 mein kaafi vast ho gaya hai, jismein kai tarah ke options available hain. Agar aap ek aasan aur suitable credit card dhundh rahe hain, toh yeh guide aapke liye hai. Hum yahaan discuss karenge Top 10 Credit Cards jo lene mein relatively aasaan hain aur alag-alag lifestyles aur financial needs ke hisaab se design kiye gaye hain.

HDFC Millennia Credit Cards

Overview

HDFC Millennia Credit Card, millennials aur young professionals ke liye design kiya gaya hai, jo mostly online shopping karte hain. Yeh card digital-savvy consumers ke liye kai tarah ke benefits offer karta hai.

Key Features

• Joining Fee: Nil
• Annual Fee: Nil
• Rewards: Online shopping par 5% cashback, aur dusre purchases par 1% cashback
• Welcome Bonus: Pehle use par attractive bonus points
• Additional Benefits: Brands par discounts aur exclusive offers ka access

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card un logon ke liye perfect hai jo online shopping se maximum rewards chahte hain bina kisi fees ke.

IDFC First Classic Credit Cards

Overview

IDFC First Classic Credit Card ek entry-level option hai jo koi bhi annual fees nahi leta aur basic credit card experience provide karta hai.

Key Features

• Joining Fee: Nil
• Annual Fee: Nil
• Rewards: Sabhi purchases par 1% cashback
• Interest Rates: 9% p.a. se shuru hone wale competitive interest rates
• Additional Benefits: Monthly free credit score check aur no foreign transaction fees

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card first-time users ke liye best hai jo simple tarike se apna credit history banana chahte hain.

SBI SimplyCLICK Credit Cards

Overview

SBI SimplyCLICK Credit Card special online shoppers ke liye design kiya gaya hai jo e-commerce transactions par great rewards chahte hain.

Key Features

• Joining Fee: ₹499
• Annual Fee: ₹499 (₹1 lakh spend karne par waive ho jaata hai)
• Rewards: Online shopping par 5x tak reward points
• Additional Benefits: Amazon, BookMyShow jaise partner websites par discounts

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card un logon ke liye perfect hai jo primarily online shopping karte hain aur minimum fees ke saath rewards kamaana chahte hain.

Standard Chartered Platinum Rewards Cards

Overview

Standard Chartered Platinum Rewards Card ek no-frills card hai jo decent rewards offer karta hai, simple aur reliable option ke liye.

Key Features

• Joining Fee: Nil
• Annual Fee: Nil (spending par waived off)
• Rewards: ₹150 spend karne par 5 reward points tak kamao
• Additional Benefits: Exclusive dining offers aur select retailers par discounts

Eligibility

• Minimum annual income: ₹6 Lakhs
• Age: 21 years aur above

Yeh card unke liye best hai jo annual fees aur complex reward structures ke bina reliable credit card chahte hain.

ICICI Bank Platinum Chip Credit Cards

Overview

ICICI Bank Platinum Chip Credit Card ek basic aur effective option hai un logon ke liye jo zyada fees ke bina value chahte hain.

Key Features

• Joining Fee: Nil
• Annual Fee: Nil
• Rewards: Har purchase par reward points kamao
• Additional Benefits: Fraud ke against insurance aur purchase protection

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card unke liye perfect hai jo straightforward credit card experience chahte hain with essential benefits.

Axis Bank Neo Credit Card

Overview

Axis Bank Neo Credit Card frequent shoppers ke liye design kiya gaya hai, jo multiple categories par cashback offer karta hai.

Key Features

• Joining Fee: ₹500
• Annual Fee: ₹500 (spending par waived off)
• Rewards: Dining, groceries, aur dusre categories par 5% tak cashback
• Additional Benefits: Partner merchants par discounts aur festive seasons mein cashback offers

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card un logon ke liye best hai jo shopping par savings karna chahte hain bina high fees ke.

Amazon Pay ICICI Credit Cards

Overview

Amazon Pay ICICI Credit Card Amazon shoppers ke liye tailored hai, jo purchases par compelling rewards offer karta hai.

Key Features

• Joining Fee: Nil
• Annual Fee: Nil
• Rewards: Amazon par 5% cashback, other online spends par 2%, aur offline spends par 1% cashback
• Additional Benefits: Amazon sales events ke dauran instant discounts

Eligibility

• Minimum annual income: ₹3 Lakhs
• Age: 21 years aur above

Yeh card un logon ke liye best hai jo Amazon par frequently shop karte hain aur effortlessly cashback kamaana chahte hain.

IndusInd Bank Platinum Aura Credit Cards

Overview

IndusInd Bank Platinum Aura Credit Card lifestyle benefits se loaded hai, frequent travelers aur diners ke liye suitable hai.

Key Features

• Joining Fee: ₹1,000 (spending par waived off)
• Annual Fee: ₹1,000 (spending par waived off)
• Rewards: Flexible reward points system jo alag-alag categories mein redeem ho sakta hai
• Additional Benefits: Comprehensive insurance coverage aur 24×7 concierge services

Eligibility

• Minimum annual income: ₹4 Lakhs
• Age: 21 years aur above

Yeh card unke liye perfect hai jo premium experience chahte hain bina high fees ke, agar spending threshold meet karte hain.

HDFC Regalia Gold Credit Cards

Overview

HDFC Regalia Gold Credit Card premium rewards aur travel benefits ke saath aata hai, jo frequent travelers ke liye best hai.

Key Features

• Joining Fee: ₹2,500 (spending par waived off)
• Annual Fee: ₹2,500 (spending par waived off)
• Rewards: Select categories jaise travel aur dining par 5x tak reward points kamao
• Additional Benefits: Complimentary airport lounge access, travel insurance, aur exclusive dining offers

Eligibility

• Minimum annual income: ₹6 Lakhs
• Age: 21 years aur above

Yeh card un travelers ke liye best hai jo premium services ke saath extensive benefits enjoy karna chahte hain.

Tata Neu Infinity HDFC Credit Cards

Overview

Tata Neu Infinity HDFC Credit Card utility aur lifestyle benefits combine karta hai, jo Tata brand enthusiasts ke liye attractive hai.

Key Features

• Joining Fee: ₹1,499
• Annual Fee: ₹1,499
• Rewards: NeuCoins kamao jo Tata brands jaise Croma, Westside, etc. mein redeem ho sakte hain
• Additional Benefits: Domestic airport lounges ka access aur partner merchants par discounts

Eligibility

• Minimum annual income: ₹4 Lakhs
• Age: 21 years aur above

Yeh card un customers ke liye ideal hai jo Tata brands par frequently shop karte hain aur NeuCoins ke through extra rewards enjoy karna chahte hain.

Also Read : Personal Loan Ki Baat: India Ke Top 10 Providers Ka Review

Conclusion

Sahi credit card choose karna aapke spending habits aur financial goals par depend karta hai. Upar diye gaye cards 2024 ke most easily obtainable credit cards mein se hain, jo alag-alag lifestyles ko suit karte hain.

Jab bhi aap ek credit card select karte hain:

1. Apne spending patterns assess karein—kya aap online zyada spend karte hain ya offline?
2. Card ke fees ko benefits ke saath compare karein.
3. Eligibility requirements ko dhyan se padhein taaki apply karne se pehle aapko clarity ho.

Agar aap apni financial behavior ke hisaab se card choose karenge, toh aap rewards maximize kar sakte hain aur credit card-related costs minimize kar sakte hain.