Top 5 Credit Cards for Beginners – Lifetime Free

Getting your first credit card is an important step in building your financial independence. But with so many options in the market, choosing the right one can be overwhelming. Here are the top 5 credit cards perfect for beginners—completely lifetime free, easy to get, and full of rewards!

1. Axis Bank MyZone Credit Card

• No joining fee in first year
• Flat 40% off on Swiggy
• Complimentary OTT subscriptions (SonyLiv, ZEE5)
• 1% fuel surcharge waiver

Best for foodies and entertainment lovers.

2. IDFC First Millennia Credit Card

• Lifetime free card
• 3x–10x reward points on spends
• 25% discount on movie tickets
• No over-limit or late payment fees

Best for salaried beginners.

3. Kotak 811 Credit Card

• Digital onboarding linked to Kotak 811 account
• Low credit score friendly
• Great rewards on online purchases

Best for digital-savvy youth.

4. IndusInd Bank EazyDiner Credit Card

• Instant online approval
• Free 3-month EazyDiner Prime membership
• 25% off on dining
• Double rewards on groceries & dining

Perfect for restaurant-goers.

5. Flipkart Axis Bank Credit Card

• 5% cashback on Flipkart
• 4% on Uber, Swiggy, PVR
• No annual fee if you spend ₹2L/year
• Welcome gift worth ₹500

Best for online shopping lovers.

💡 Final Thoughts

A beginner credit card should be simple, rewarding, and help you build a good credit score. These 5 cards offer just that—and are all available through Finotern Banking.