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%