5 Best Credit Cards To Get With A Rs 30,000 Salary | Check Full List

5 Best Credit Cards To Get For Beginners: Managing expenses through credit cards can help users earn rewards and cashback, making everyday spending more rewarding and cost-efficient. However, factors such as annual fees, joining charges, and eligibility criteria can add to the financial burden, especially for first-time cardholders with entry-level salaries.

Choosing the right beginner-friendly credit card is therefore key to maximising benefits while keeping costs under control. Here are top 5 credit cards for beginners with nearly Rs 30,000 salary, according to Paisabazaar.com.

Swiggy HDFC Credit Card

Swiggy HDFC Credit Card comes with a joining fee of Rs 500 and an annual renewal fee of Rs 500. The credit card will provide 10% cashback on Swiggy food orders, Instamart, Dineout and Genie. Credit card holders can also get 5% cashback on online spending.
The credit card will also offer 1% cashback on other spends and up to Rs 3,500 cashback in a month. The credit card also offers three-month Swiggy One Mebership worth Rs 1,199 on card activation.

IndianOil Axis Bank Credit Card

The credit card comes with a joining fee of Rs 500 and an annual/renewal fee of Rs 500. Credit card holders can save up to 5% on IOCL fuel spends. They will also get up to 1% back as 5 EDGE reward points per Rs 100 spent on online shopping.

There will also be 4% back as 20 EDGE reward points per Rs 100 spent on IOCL fuel, 1% fuel surcharge waiver of up to Rs 50 per month on fuel spend of Rs 400 to Rs 4,000.

HDFC MoneyBack+Credit Card

The credit card comes with a joining fee of Rs 500 and an annual renewal fee of Rs 500. Additionally, the credit card holders will get 10x cashpoints on Flipkart, Amazon, Swiggy, Reliance Smart SuperStore & BigBasket Gift vouchers.

IDFC First Millenia Credit Card

The credit card comes with zero joining fee and zero annual and renewal fees. The credit card holders can earn up to 10x rewards on birthday & on transactions above Rs 20,000 on monthly spends. Additionally, around 3x rewards will be offered on monthly spends of up to Rs 20,000.

SBI SimplyCLICK Credit Card

The credit card comes with a joining fee of Rs 499 and an annual renewal of Rs 499. The credit card holders can earn up to 10x reward points on top online brands like BookMyShow, Swiggy, Myntra, etc. The credit card holders can earn upto 5x reward points on other online spends.