10 Best Credit Cards (With 5% Cashback) for Beginners in India 2025

I have compiled a list of the best credit cards for salaried people in India who want to spend between 1 lakh to 2 lakh per year on a credit card. 

I have picked only those credit cards where you get a minimum of 5% cashback on specific transactions and a minimum of 1% cashback on all other expenses.  

You can apply for 2 different credit cards to combine two unique special offerings to get the best value. 

For example,

You can apply for an SBI cashback credit card for online spending and an Axis Ace credit card for utility bill payments to earn 5% cashback on both categories. 

Best Credit Card For Beginners With a Salary of 3 Lakh (And Below)

You can apply for the following credit cards if your salary is between Rs. 2.4 Lakhs to Rs. 3.0 Lakhs.

Pro Tip: The chances of approval ar