Top cards for this search
Ranked from existing SimplifyCards data. Open any card for full rewards, exclusions, redemption, and eligibility details.
CheQ AU Credit Card
- Annual fee
- Rs 499
- Best use case
- Best for Select Brands On CheQ (Amazon, Flipkart, Zomato, BigBasket, Apple Via Unicorn)
- Key reward or benefit
- 24 CheQ Points per ₹200 spent
- Major limitation
- Fuel purchases
CSB Bank Jupiter Edge+ Credit Card
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best for Preferred Brands Shopping
- Key reward or benefit
- 50 Jewels per ₹100 spent
- Major limitation
- Fuel spends
HDFC Millennia Credit Card
- Annual fee
- Rs 1,000
- Best use case
- Best for simple cashback
- Key reward or benefit
- 5% CashBack on select online merchants, auto-credited with no points to manage.
- Major limitation
- fuel
Swiggy HDFC Bank Credit Card
- Annual fee
- Rs 500
- Best use case
- Best for simple cashback
- Key reward or benefit
- 10% Cashback on swiggy app transactions (food delivery, instamart, dineout, genie), auto-credited with no points to manage.
- Major limitation
- Fuel transactions
HSBC Live+ Credit Card
- Annual fee
- Rs 999
- Best use case
- Best for simple cashback
- Key reward or benefit
- 10% Cashback on dining, food delivery, and grocery spends, auto-credited with no points to manage.
- Major limitation
- Utility bill payments
YES Bank Kiwi Credit Card
- Annual fee
- Lifetime free (no annual fee)
- Best use case
- Best for simple cashback
- Key reward or benefit
- 1.5% cashback on eligible UPI spends via kiwi, auto-credited with no points to manage.
- Major limitation
- fuel spends
HDFC Bank Diners Club Privilege Credit Card
- Annual fee
- Rs 1,000
- Best use case
- Best for Hotels Via SmartBuy (10X)
- Key reward or benefit
- 40 Reward Points / Rs 200 spent on hotels via SmartBuy (10X)
- Major limitation
- fuel
CUB SalarySe Level UP Credit Card
- Annual fee
- Rs 500
- Best use case
- Best for SalarySe UPI, Online, And Eligible Card Spends Above Rs 20,000 Per Billing Cycle
- Key reward or benefit
- 10 SCoins / Rs 100 on spends above Rs 20,000
- Major limitation
- Cash withdrawal transactions
HSBC RuPay Cashback Credit Card
- Annual fee
- Rs 499
- Best use case
- Best for simple cashback
- Key reward or benefit
- 10% Cashback on dining, food delivery, and grocery spends, auto-credited with no points to manage.
- Major limitation
- Utility bill payments
Swiggy HDFC Bank BLCK Credit Card
- Annual fee
- Rs 1,000
- Best use case
- Best for simple cashback
- Key reward or benefit
- 10% Cashback on swiggy app transactions (food delivery, instamart, dineout, genie), auto-credited with no points to manage.
- Major limitation
- Fuel transactions
Common questions
How are these beginner credit card cards ranked?
SimplifyCards ranks cards using the existing recommendation engine, which weighs fees, rewards, caps, lounge rules, forex markup, milestones, redemption value, exclusions, and card popularity from the verified card dataset.
Are these card details manually verified?
The card data is manually reviewed in the database, but issuer terms can change. Always verify final fees, eligibility, rewards, and exclusions with the issuer before applying.
Do affiliate links affect the ranking?
No. Rankings are generated from card data and scoring logic. Apply links may be affiliate links, but they do not change the order of cards.
Why should I still read the card detail page?
The detail page includes fuller reward tables, exclusions, eligibility, redemption options, latest updates, and caveats that may not fit into a ranked guide summary.
Can I ask for a recommendation based on my own spending?
Yes. Use the Ask SimplifyCards button on this page to continue into the AI ask flow with this search intent.
Affiliate disclosure: Apply links may be affiliate links. We may earn a commission if you apply and are approved, but rankings are generated from card data and scoring logic.
Last updated: June 2026