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Starting a career in the IT industry also means starting your financial journey the right way. A good credit card helps freshers build their credit score, manage monthly expenses, and earn rewards on everyday transactions.
This guide lists some of the most reliable, beginner-friendly credit cards ideal for IT freshers in 2025. All details are informational and aligned with Google AdSense content policies.
1. IDFC FIRST Bank Credit Card (Lifetime Free)
A highly popular option among freshers due to its zero annual fee and strong rewards structure.
Key Benefits
- Lifetime free credit card
- Option to add a Rupay/UPI add-on card at a nominal cost
- Reward Points:
- 3X rewards on online and offline purchases
- 10X rewards on monthly spends above ₹20,000
- 1X rewards on insurance and utility transactions
- Reward points never expire
- Additional Benefits:
- 25% discount on movie tickets (via PayTM, once per month)
- Complimentary roadside assistance
- Up to 20% discount at partnered restaurants
- Includes personal accident insurance and lost-card liability protection
Apply Now: https://sales.gromo.in/if/Zl1F8_nVg6
Joining Fee: Nil | Annual Fee: Lifetime Free
Approval Rate: Excellent
2. Axis Bank Credit Card
A strong option for users who want a combination of cashback, lifestyle benefits, and travel perks.
Key Benefits
- Attractive rewards and cashback programs
- Multiple card variants available
- Complimentary airport lounge access (on select cards)
- Fuel surcharge waiver (select variants)
Apply Now: https://sales.gromo.in/ac/Zl1F8_nVg6
Joining Fee: ₹499 | Annual Fee: From ₹499
Approval Rate: Excellent
3. KIWI Yes Bank Rupay Credit Card (Lifetime Free)
A fully digital UPI-linked credit card ideal for new users.
Key Benefits
- Lifetime free; zero joining and annual fees
- Works seamlessly with all UPI apps through its virtual card
- Instant activation and online onboarding
- No minimum spending requirement
- Assured cashback on Scan & Pay transactions
- Cashback credited instantly to the bank account
Apply Now: https://sales.gromo.in/kw/Zl1F8_nVg6
Joining Fee: Nil | Annual Fee: Lifetime Free
Approval Rate: Excellent
4. LIC Credit Card (Lifetime Free)
A valuable card for individuals who make regular LIC payments or want a no-annual-fee lifestyle option.
Key Benefits
- Earn reward points on LIC premium payments
- Lifetime free credit card
- Up to eight domestic lounge visits per year (Signature variant)
- Fuel surcharge waiver
Apply Now: https://sales.gromo.in/li/Zl1F8_nVg6
Joining Fee: Nil | Annual Fee: Nil
Approval Rate: Excellent
5. MagniFi Fi-Federal Bank Credit Card (Lifetime Free)
Ideal for weekend shoppers and freshers who prefer digital-first banking.
Key Benefits
- Up to 5% return on weekend spends
- Discounts on major brands including Amazon, Zomato, Zepto and BookMyShow
- No joining fee and no annual charges
- Instant online onboarding
Apply Now: https://sales.gromo.in/fv/Zl1F8_nVg6
Joining Fee: Nil | Annual Fee: Lifetime Free
Approval Rate: Excellent
6. Axis Bank Credit Card (Alternate Variant)
Another strong offering from Axis Bank with versatile rewards and travel features.
Key Benefits
- Rewards on multiple spending categories
- Wide range of card choices
- Complimentary lounge access (select variants)
- Fuel surcharge waiver
Apply Now: https://sales.gromo.in/ack/Zl1F8_nVg6
Joining Fee: ₹499 | Annual Fee: From ₹499
Approval Rate: Excellent
7. SBI Credit Card
A trusted option known for secure payment features and widespread acceptance.
Key Benefits
- Secure and easy digital payments
- Reward points on every spend
- Dining, lifestyle, and travel benefits
- Cashback and partner discounts
Apply Now: https://sales.gromo.in/xs/Zl1F8_nVg6
Joining Fee: ₹499 | Annual Fee: From ₹499
Approval Rate: Excellent
8. Axis Lifetime Free Credit Card (Special Variant)
A premium-benefit credit card with no annual fee and high-value welcome rewards.
Key Benefits
- Welcome rewards worth up to ₹5,000
- Complimentary lounge access every quarter
- Reward points on all spends
- Annual fee waived on achieving the yearly spending threshold
Apply Now: https://sales.gromo.in/ltf/Zl1F8_nVg6
Joining Fee: Nil | Annual Fee: Lifetime Free
Approval Rate: Excellent
Disclaimer
This article is for informational purposes only. Credit card features, offers and eligibility criteria may change based on the issuing bank’s policies. Readers should verify the latest details on the respective bank’s official website before applying. QuickFresherJobs.in does not provide financial advice and will not be responsible for any decisions made based on this information. Some links included in this article may be affiliate links, through which we may earn a commission at no additional cost to the user.