Best First Credit Card in India
Updated March 2026 · 28 cards evaluated
Your first credit card should be easy to get, have no annual fee, and help you build a CIBIL score. These cards fit the bill.
Quick Answer
The best card in this category is Fibe Axis Bank Credit Card (Score: 7.8/10) — lifetime free, up to 3% rewards. Runner-up: AU Nexus Credit Card (7.1/10).
Axis · Lifetime Free · Up to 3% rewards
No fee · Min income: No minimum
AU Small Finance Bank · Lifetime Free · Up to 2% rewards
No fee · Min income: No minimum
Slice · Lifetime Free · Up to 2% rewards
No fee · Min income: No minimum
IDFC FIRST · Lifetime Free · Up to 0.5% rewards
No fee · Min income: No minimum
Canara Bank · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,50,000/yr
IDFC FIRST · Lifetime Free · Up to 1.67% rewards
No fee · Min income: ₹2,50,000/yr
Kotak · Lifetime Free · Up to 1% rewards
No fee · Min income: No minimum
ICICI · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,00,000/yr
ICICI · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,50,000/yr
SBI · Lifetime Free · Up to 0.5% rewards
No fee · Min income: No minimum
How We Ranked These Cards
We evaluated 28 cards matching this category criteria, scored them using the CardTrail Score methodology (net value, feature depth, bank trust, accessibility), and ranked by relevance. All data is from official bank sources, verified March 2026.