Use entry-level credit cards that offer alluring rewards and cashback points if you're new to the world of credit cards and want to build a strong credit history and credit score. The SBI and Citi are two excellent entry-level credit cards. SimplyCLICK credit card and the American Express Smart Earn credit card

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SBI SimplyClick Credit Card

SimplyCLICK Advantage SBI Credit Card is ideal for people who love to shop online. This SBI credit card offers multiple features and benefits that can be very beneficial for you if you regularly spend money online.

Highlights of SBI SimplyCLICK Credit Card

10 times more reward points on online spends at partner websites

5 times more reward points on all online spends

AMEX Smart Earn Credit Card

The Amex SmartEarn Card has signed up with multiple brands and merchants which allows the users to get extra rewards and save big on their purchases. Basically its an entry-level card designed for the mass market segment. Fee & waiver requirement are quite attractive indeed.

Highlights of SBI SimplyCLICK Credit Card

1 MR Point for every Rs.50 spend

10X Rewards fetches a Reward Rate of 5% to 10%

BPCL SBI Card Octane is one of the best co-branded credit cards available in the market. It is a premium version of the previously launched co-branded BPCL SBI Card. With this card, you will get a 7.25% value back on fuel purchases at select Bharat Petroleum Gas stations. 

The joining fee of the BPCL SBI Card OCTANE is Rs.1,499 and comes with an annual fee of Rs.1,499 as well. The State Bank of India charges an interest rate or finance charge of 3.5% per month.

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Features of the BPCL SBI Card OCTANE

Welcome benefits of 6,000 reward points.

Get value-back benefits of up to 7.25% reward points on fuel purchases at BPCL petrol pumps.

BPCL SBI Card OCTANE Limit

The credit limit depends on various factors, such as credit score, annual income, repayment capacity and more. Therefore, you will get to know about your credit limit only after successful verification.

Other Benefits

Annual fee reversal on spending Rs. 2 lakh in a year.

Complimentary fraud liability cover of Rs. 1 lakh.

A rewards credit card is exactly what it sounds like: a credit card that rewards you for your purchases. Used responsibly, a rewards credit card can help you save money on everything from travel bookings to Amazon purchases.

Every reward credit card is intended for a particular type of purchase. When determining which card is ideal for them, users must take their spending habits, the bank's rewards programme, and the card's overall appearance into account.

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Following are the pros and cons of reward credit card:

Pros

Earn money, miles, or points for each transaction.

Redeem points for things like airline reservations, statement credits, and credits for online shopping to save money.

Many credit cards with incentives don't have annual fees.

Cons

You could be tempted to overspend in order to use up all of your incentives or sign-up bonuses.

To save money, you must redeem your rewards, however certain redemption alternatives result in a lower value for your awards.

Having strong or exceptional credit is a requirement for the top rewards cards, which may levy an annual fee.