Credit Cards against FD in India: A comprehensive list for 2026
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Getting your first credit card can be exciting, but it’s the right card that makes all the difference. Some beginner credit cards in 2025 finally get it right—offering real benefits without overwhelming you with complex terms, hidden fees, or confusing conditions. Whether you’re looking to build credit or simply want value on everyday spends, these cards keep things simple and useful. Here are the Top 3 beginner Credit Cards in 2025 that offer a smart, no-fuss way to begin your credit journey.
1. ICICI Amazon Pay Credit Card
The ICICI Amazon Pay Credit Card comes with simplicity, utility, and value. It is a lifetime free credit card that offers guaranteed savings, particularly for those who regularly shop on Amazon.
ICICI Amazon Pay Credit Card offers Cardholders welcome benefits worth ₹2,000, which includes ₹500 off on their Amazon Prime membership.
One of the biggest advantages of this card is the straightforward cashback structure. Prime members enjoy 5% cashback on Amazon purchases, while non-Prime users get 3%. All other purchases earn 1% cashback. What sets this card apart is that the cashback is credited directly to the user’s Amazon Pay balance, eliminating the hassle of tracking and redeeming reward points.
There are no complex reward systems or blackout dates, when it comes to ICICI Amazon Credit card. This makes it ideal for users who prefer convenience and immediate value.
The finance charge on ICICI Amazon Pay Credit Card stands at 40.80% per annum.
This beginner credit card is the simplest and most efficient option for Amazon shoppers who want quick, automatic cashback without complexities.
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2. AU Live It Today Credit Card
The AU Live It Today Credit Card (AU LIT) is designed for those who enjoy the convenience of online shopping and value everyday savings. It is also a lifetime free card, available to salaried individuals between the ages of 21 and 60.
One of the major highlights of AU LIT it Today Credit Card is the generous reward structure for online shopping. Users earn 10x reward points on domestic online purchases and 5x points on international online transactions. In addition, the card offers 5% cashback on grocery spends, making it well-suited for regular household expenses.
As a welcome gift, AU Live It Today Credit Card offers users who spend ₹10,000 within the first 90 days receive three months of free subscriptions to Amazon Prime, Zee5, and Creditfine. As a beginner credit card, AU Live It Today Credit Card also offers access to 16 domestic airport lounges per year, enhancing the travel experience.
Milestone benefits include cashback of up to ₹500 or ₹1,000 based on monthly spending thresholds. The finance charge applicable is 45% per annum, and reward points are valued at ₹0.25 per point.
