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.
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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.
Click here to know more about ICICI Amazon Pay Credit Card
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.
Click here to know more about AU Live It Today Credit Card
3. IndusInd Pioneer Legacy Card
If you are seeking luxury benefits without paying annual fees, the IndusInd Pioneer Legacy Card is a standout choice. It is available to Indian residents aged 18 to 65 with a minimum annual income of ₹2.4 lakhs and it is a lifetime free credit card.
IndusInd Pioneer Legacy Card comes with a complimentary ₹5,000 Lux gift card, redeemable at Oberoi Hotels or across 30+ luxury brands in over 360 stores across India.
It offers 2% rewards on weekend spending and 1% rewards on groceries, utilities, and lifestyle purchases.
One of the premium features of IndusInd Pioneer Legacy Card is the access to 48 free golf rounds annually, which is rare in the beginner category.
Additionally, users can access four domestic and eight international airport lounges, adding a touch of comfort to travel. This beginner credit card also includes a life insurance component with ₹25 lakh air accident coverage.
For high spenders, there’s a bonus of 6,000 reward points on spending more than ₹6 lakhs annually. Reward points on this card convert at a value of ₹1 per point.
The finance charge for IndusInd Pioneer Legacy Card is relatively higher at 46% per annum.
Click here to know more about IndusInd Pioneer Legacy Card.
ICICI Amazon Pay Credit Card vs AU Live It Today Credit Card vs IndusInd Pioneer Legacy Card quick summary
| Feature | ICICI Amazon Pay Credit Card | AU Live It Today Credit Card | IndusInd Pioneer Legacy Card |
| Annual Fee | Lifetime Free | Lifetime Free | Lifetime Free |
| Eligibility | No specific criteria mentioned | Salaried, Age 21–60 | Age 18–65, Income ≥ ₹2.4L p.a. |
| Welcome Benefits | ₹2,000 total (₹500 off Amazon Prime) | 3-month free subscriptions (Amazon Prime, Zee5, Creditfine) on ₹10K spend in 90 days | ₹5,000 Lux gift card |
| Rewards on Online Shopping | 5% (Prime), 3% (non-Prime) on Amazon | 10x on domestic, 5x on international | 1% on lifestyle, groceries, utilities |
| Cashback/Reward Conversion | Auto-credit to Amazon Pay balance | ₹0.25 per reward point | ₹1 per reward point |
| Additional Cashback | 1% on all other purchases | 5% on groceries | 2% on weekend spends |
| Lounge Access | Not mentioned | 16 domestic airport lounges | 4 domestic, 8 international lounges |
| Golf Benefits | Not included | Not included | 48 free golf rounds annually |
| Insurance Cover | Not included | Not included | ₹25 lakh air accident cover |
| Milestone Rewards | Not available | Cashback of ₹500–₹1,000 based on spends | 6,000 points on ₹6L annual spend |
| Finance Charges (APR) | 40.80% | 45.00% | 46.00% |
| Best For | Frequent Amazon shoppers | Online spenders & travel perks | Premium lifestyle benefits |
These top three beginner credit cards for 2025 offer a range of benefits tailored to various preferences, whether it’s luxury shopping, online rewards, or easy cashback. Each card brings unique perks that can enhance your spending experience, making them valuable companions for everyday transactions. Choose the best credit card that best fits your lifestyle and make the most out of your financial choices.
