Building or rebuilding your credit score can be a challenge, but with the right credit card, it becomes easier. Whether you’re a first-time credit card user or looking to improve your credit score, these credit builder cards offer great benefits while helping you establish a solid credit history. Here are the top 5 credit builder cards in India:
1. IDFC FIRST WoW Credit Card
- Fee: Lifetime Free
- Type: Secured (requires a fixed deposit of ₹10,000)
- Rewards: 4x Reward Points for every ₹150 spent (excluding fuel, EMI, and cash withdrawal)
- Benefits: 50% discount on movie tickets (up to ₹300), zero forex markup, fuel surcharge waiver, insurance benefits.
- Best For: Users looking for a secured card with no annual fee and decent reward points.
Why Choose It?
The IDFC FIRST WoW Credit Card is ideal for those wanting a secured credit card with no joining or renewal fees. It’s particularly attractive for international travelers due to its zero forex markup.
Apply now : IDFC FIRST WOW Credit Card
2. OneCard Metal Credit Card
- Fee: Lifetime Free
- Type: Secured and Unsecured options
- Rewards: 5x Reward Points on top two spending categories each month
- Benefits: 1% forex markup, fractional Reward Points, quick digital and physical card issuance.
- Best For: First-time users or those looking for a sleek, metal card with great reward flexibility.
Why Choose It?
OneCard is both visually appealing and functional, offering excellent rewards for frequent spenders, especially in the top two categories each month. Its low forex markup is another plus.
3. AU NOMO Credit Card
- Fee: ₹199 + GST
- Type: Secured (issued against a fixed deposit)
- Rewards: 2 RP for every ₹100 spent on retail, 1 RP for utility and insurance spends
- Benefits: Welcome benefit of 500 RP, domestic lounge access (on quarterly spend of ₹30,000), low forex markup (0.99%).
- Best For: First-time credit card users or those with low credit scores.
Why Choose It?
With a low joining fee, decent reward rates, and low forex charges, the AU NOMO card is a great choice for those new to credit cards or looking to boost their credit score.
Apply now : AU NOMO Credit Card
4. IDFC FIRST EARN Credit Card
- Fee: ₹499 + GST
- Type: Secured (fixed deposit of ₹5,000 required)
- Rewards: 1% cashback on spends through IDFC Bank app, 0.5% cashback on utilities, wallets, insurance, and UPI spends
- Benefits: Up to ₹6,000 cashback yearly, 25% movie ticket discount (up to ₹1,200 annually), free roadside assistance.
- Best For: New credit users or those rebuilding their credit.
Why Choose It?
The IDFC FIRST EARN Credit Card offers easy cashback opportunities and welcome benefits, making it ideal for users wanting to improve their credit history through regular spending.
Apply now : IDFC First Earn Credit Card
5. Tata Neu Plus HDFC Bank Credit Card
- Fee: ₹499 + GST
- Type: Unsecured
- Rewards: 2% cashback as NeuCoins on Tata brands, 1% on other spends
- Benefits: Complimentary lounge access (quarterly), welcome bonus of 499 NeuCoins, fuel surcharge waiver.
- Best For: Frequent Tata shoppers and loyal HDFC customers.
Why Choose It?
This card is perfect for those who often shop on Tata-owned platforms. It’s also a great way to accumulate NeuCoins for future discounts and offers within the Tata ecosystem.
Apply now : TATA Neu Plus HDFC Credit Card
Comparison: Key Features of Credit Builder Cards
| Card | Joining Fee | Rewards | Welcome Benefits | Travel Perks |
|---|---|---|---|---|
| IDFC FIRST WoW | LTF | 4x RP on ₹150 spends | N/A | N/A |
| OneCard Metal | LTF | 5x RP on top 2 spend categories | N/A | N/A |
| AU NOMO | ₹199 + GST | 2 RP on ₹100 retail, 1 RP on utilities | 500 RP on first transaction | Lounge access (quarterly) |
| IDFC FIRST EARN | ₹499 + GST | 1% cashback (app spends), 0.5% (other categories) | Up to ₹200 cashback on first UPI spends | N/A |
| Tata Neu Plus HDFC Bank | ₹499 + GST | 2% NeuCoins on Tata, 1% on others | 499 NeuCoins on first transaction | Lounge access (quarterly), fuel waiver |
Which Card Is Best For You?
- For Fee-Free Convenience: Go for IDFC FIRST WoW or OneCard Metal.
- For Travel Benefits: AU NOMO or Tata Neu Plus both offer complimentary lounge access.
- For Cashback Lovers: IDFC FIRST EARN gives a great mix of cashback opportunities on UPI and utility payments.
Apply Now and start building your credit score with these top cards!