Advertisement: Click here to learn how to Generate Art From Text
Yesterday, I received a message from one of my subscribers. He asked me. ‘Please tell me the best credit cards for beginners in 2024.’I thought about it, ‘This same question might be on the minds of many people.’
So, I am here to help you.
This blog will be discussing Credit cards that are the best for beginnersExplore The Best Credit CardsWhat are the best features for beginners?
These four credit card options are worth considering if you’re looking to get your very first credit or if you have one already. I will discuss the features of each credit card. In the end, I’ll conclude which card is best. Credit cardIt is the best of the four.
So let’s get started.
Best Credit Cards of 2024
1. BPCL SBI Card Octane
Bharat Oil Corporation Ltd and State Bank of India have collaborated to present an incredible Credit cardExclusive discounts on fuel and groceries.
Each household needs petrol for their vehicles as well as groceries for the kitchen. This credit card will not only allow you to save money, but also fully utilize all of its features.
Bharat Petroleum pumps are the only ones that offer these incredible cashback features.
The joining fee is for this Credit card The price of Rs. It is Rs. Welcome BenefitsThis card is free. How?
Let me tell you. After activating and joining the card, 6000 Bonus reward points Your account will be credited. 4 Reward points equal Rs. 1. 6000 reward points is equal to Rs. 1500.
You can also waive the annual fee of Rs. 1499/- 1499/-
Cashback on Fuel
This card gives you access to SBI. Cashback of up to 7.25%I will not count this cashback as 7.25%. I will say that 6.25% + 1 % is the cashback. The fuel surcharge waiver is 1%Almost every bank offers this service.
I’ll consider 6.25% as a cashback. And, believe me, it is better than any credit card on the market.
The BPCL SBI Octane card will refund you Rs. The BPCL SBI Octane Card returns Rs. This feature makes the card one of a kind. Best credit cards.
Cashback on Bharat gas App
You can also take advantage of a Cashback of 6.25% on Bharat Gas App or Web. You can order gas, lubricants and other items from this app. You can earn Rs. Spend Rs. 100.
You can earn up to Rs. Bharat Gas (app and web) can earn you up to Rs.
Cashback on Groceries and Movies
Another important advantage of this Credit cardCashback is available on purchases of Spending at restaurants, department stores, movies and groceries will earn you 2.5% of every Rs. Spending $100 on dining, departmental store, movies, and groceries is eligible for a 2.5% discount. You can earn up to 7500 reward points each month, which is Rs. 1875.
Airport Lounge Benefits
- Enjoy 4 complimentary lounge visits per annum for domestic lounges.
- Maximum 1 visit per quarter.
If you spend Rs. 2 lakh in a year, the next year’s annual fees are Waived.
As per the Terms & Conditions of this credit card, a maximum of 2500 reward points per billing cycle, i.e., Rs. Savings of up to 625 per cycle are possible.
The maximum cashback amount is Rs. 625 can be availed only if your vehicle’s monthly fuel consumption is Rs. You can earn Rs.625 if you spend Rs.10,000 on fuel. You will earn Rs.10,000 for every Rs.10,000 you spend on fuel. 625.
You can save money on your monthly fuel costs if you spend less than $100 per month. More than Rs. 10,000The only way to get around this is by using two credit cards.
You can avail it in your wife’s name or children or parents. You can’t find a fuel credit card that offers 6.25% cashback. You can also get a 1% waiver on any transaction upto Rs. 4000.
2. ICICI Amazon Pay Card
This credit card offers flat rate fees. Cashback 5%Prime Members receive a cashback on all purchases made via the Amazon App. Cashback is not limited in amount.
There are many ways to get help. No joining and annual feesThis card is not for you. This card is exclusive to Prime Members of AmazonThe annual cost is Rs. 1499/- annually.
Amazon Prime membership Additional benefits are also available:
- Early access to seasonal and other sales
- Amazon Prime Video, Music and Gaming are all free.
- Amazon App: Free one-day and fast delivery options.
If you don’t want to invest in Amazon Prime membershipThis card still offers you the same benefits. ICICI Amazon pay credit card offers unlimited 3% Cashback to Non-Prime Members.
Summary: Prime members get a 5% Cashback, while non-Prime Members can still enjoy a maximum of 3% Cashback.
Cashback on Amazon Pay
You can use PayPal to make transactions. Amazon PayEnjoy a wide range of benefits when you choose a Cashback of 2%. Amazon Pay is a payment service similar to BHIM UPI and Paytm.
You can use it to pay your postpaid and utility bills, recharge your mobile, and even Scan & Pay at various merchants. Additionally, you can send Gift CardsPlease share this with your family and friends.
- No cashback is available on No-cost EMI and EMI options.
- No cashback is provided on the purchase or gold, silver, or other precious metals.
3. Flipkart Axis Bank Credit Card
The joining fee of this credit card is Rs. The cashback offer is the same on this card as it is on the ICICI AmazonPay credit card.If you use this credit card to purchase anything on Flipkart you will receive a cashback of 5%.
You can also earn cashback of 4% on transactions made on other platforms like Cleartrip, Cure.fit PVR, Swiggy Tata Play and Uber.
Please read the Flipkart Axis bank credit card. Terms and ConditionsBefore making any purchases, please check their preferred partners as they may change.
Cashback is not available on certain transactions.
- Fuel spends
- Purchase of gift cards on Flipkart & Myntra
- EMI transactions
- Purchases converted into EMI after the fact
- Wallet loading transactions
- Purchase of jewelry
- Paying off outstanding loan balances
- Payment of card fees
- Rent payments
- Insurance services
- Utility bill payment (such as water, postpaid electricity, etc.)
- Educational Services
You will receive a Rs. 600 voucher, i.e., Rs. Flipkart: Rs. Use Rs. Swiggy.
Waiver of Annual Fees
The annual fee is Rs. The annual fee for this card is Rs. 3.5 lakh. Please note: Rent transactionsYou can also find out more about the following: Spending on wallet transactions is not eligibleThe annual fee waiver can be claimed by anyone.
Airport Lounge Benefits
You can enjoy 4 complimentary lounge visits a year at certain airports.
The main difference between the two ICICI AmazonPay credit cardFlipkart Axis Bank card does not offer any cashback for booking flights, hotels and buying medicines through Flipkart.
Here’s the corrected sentence:
The card has other features such as unlimited 5% cashback when you use it to shop at Flipkart. Best credit cardsMarkets are booming.
Original content by Bankpediaa.com: “4 Best Credit Card For New Users in 2020”
Read the complete article at https://bankpediaa.com/best-credit-cards-for-new-users/