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Updated June 2026 · 40+ cards researched

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India's most obsessive credit card guide for students & first-time earners. We research every card so you find the right one in 2 minutes.

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Top Picks · June 2026

Cards worth your attention

Filtered for real eligibility. No cards you can't get approved for.

HDFC
GeekScore7.2/10
MoneyBack+ Card
Best for online shopping
2X cashback on Amazon, Flipkart & Swiggy
₹500 voucher on ₹50K annual spend
Fuel surcharge waiver nationwide
Annual Fee ₹500Waived on ₹50K spendMin. ₹1.8L income
Annual Fee
₹500 (waived on ₹50K spend)
Apply →
SBI
GeekScore7.1/10
SimplyCLICK Card
Best for e-commerce
10X reward points on Amazon & BookMyShow
5X points on all other online spends
Fee reversed on ₹1L annual spend
Annual Fee ₹499Fee Reversal
Annual Fee
₹499
Apply →
ICICI
GeekScore7.1/10
Platinum Chip Card
Best entry-level zero fee card
Truly lifetime free — zero annual fee ever
2 reward points per ₹100 spent
Min. income ₹15,000/month — easy to get
Lifetime FREEStudents OK
Annual Fee
₹0 Forever
Apply →
SBI
GeekScore7.4/10
SBI Cashback Card
Best flat cashback card
5% cashback on all online spends (up to ₹40K/month)
1% cashback on all offline spends
No merchant restrictions — works everywhere
Annual Fee ₹999Fee Reversal at ₹2L
Annual Fee
₹999
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Axis
GeekScore7.6/10
Axis ACE Credit Card
Best for bills, food & everyday spends
5% cashback on bill payments via Google Pay
4% cashback on Swiggy, Zomato, Ola
2% flat cashback on all other spends
Annual Fee ₹499Fee Reversal at ₹2L
Annual Fee
₹499
Apply →
IDFC
GeekScore7.3/10
IDFC FIRST WOW Card
Best student card — no income needed
Zero annual fee — lifetime free
FD-backed — no income proof required
Zero forex markup — great for online international spends
No Income ProofLifetime FREE
Annual Fee
₹0 Forever
Apply →
Kotak
GeekScore7.4/10
Kotak 811 Card
Best for first credit card ever
No income proof — anyone 18+ can get it
FD-backed — guaranteed approval
Build CIBIL score from day one
No Income ProofLifetime FREE
Annual Fee
₹0
Apply →
Axis
GeekScore7.4/10
Axis NEO Card
Best for food & entertainment
10% cashback on Swiggy, Zomato & BigBasket
1 free movie ticket every month
₹250 welcome voucher on activation
Annual Fee ₹250Food Cashback
Annual Fee
₹250
Apply →
Scapia
GeekScore7.0/10
Scapia Federal Card
Best free travel card
Unlimited domestic airport lounge access
2% rewards on all spends redeemable for flights
Zero forex charges on international spends
Lifetime FREELounge Access
Annual Fee
₹0 Forever
Apply →
HSBC
GeekScore6.0/10
HSBC Live+ Card
Best for dining & groceries
10% cashback on dining, food delivery & groceries
1.5% unlimited cashback on all other spends
Up to ₹1,000 cashback per month cap
Annual Fee ₹999Min. Income ₹6L/year
Annual Fee
₹999
Apply →
AU Bank
GeekScore7.2/10
AU LIT Credit Card
Most customisable free card
Choose your own benefit packs each month
Toggle shopping, travel, or dining perks on/off
Lifetime free — no annual fee ever
Lifetime FREECustomisable perks
Annual Fee
₹0 Forever
Apply →
IndusInd
GeekScore5.2/10
EazyDiner IndusInd Card
Best for dining out
20% off at 2,000+ restaurants across India
Free EazyDiner Prime membership (worth ₹1,499)
2 free airport lounge visits per quarter
Annual Fee ₹999Min. ₹3L income
Annual Fee
₹999
Apply →
IDFC
GeekScore7.2/10
IDFC FIRST Millennia Card
Best first card for freshers
Reward points that never expire — ever
10X points on first 90 days of spending
Easy approval for low income earners
Lifetime FREEPoints Never Expire
Annual Fee
₹0 Forever
Apply →
Side by Side

Quick comparison

The numbers that actually matter — at a glance.

CardAnnual FeeBest ForTop BenefitMin. IncomeFuel WaiverGeekScore
HDFC MoneyBack+₹500Online shopping2X cashback₹1.8 LPA✓7.2/10
SBI Cashback Card₹999All online spends5% everywhere online₹2 LPA✗7.4/10
Axis ACE₹499Bill payments + food5% Google Pay₹1.8 LPA✓7.6/10
ICICI Platinum ChipFREEZero fee users2pts/₹100₹1.5 LPA✓7.1/10
HSBC Live+₹999Dining & food10% dining cashback₹6 LPA✗6.0/10
IDFC FIRST WOWFREEStudentsNo income proofNone needed✗7.3/10
SBI SimplyCLICK₹499E-commerce10X on Amazon₹2 LPA✗7.1/10
Kotak 811FREEFirst card everNo income proofNone needed✗7.4/10
Scapia FederalFREEBudget travelUnlimited lounge₹1.5 LPA✗7.0/10
IDFC FIRST MillenniaFREEFreshersPoints never expire₹1.5 LPA✗7.2/10
Axis NEO₹250Food & movies10% Swiggy/Zomato₹1.8 LPA✗7.4/10
AU LIT CardFREEFlexible spendersCustom monthly perks₹1.5 LPA✗7.2/10
EazyDiner IndusInd₹999Dining out20% dining off₹3 LPA✗5.2/10
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From the Blog

Learn before you apply

Honest guides to help you make smarter credit decisions.

Student Guide
Best Credit Cards for Students in India 2026
Zero fee cards, no income proof needed. We compared every student card so you don't have to.
Read article →
Credit Basics
What is CIBIL Score and Why It Matters
The number that decides your loans and credit cards. Explained simply without the jargon.
Read article →
CIBIL Score
How to Improve Your CIBIL Score Fast
What actually works, how long it takes, and the mistakes quietly hurting your score right now.
Read article →
See all 6 articles →
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