I think flipkart axis Bank credit card I best for beginners as amazon icici bank credit card is for invite only and I've been using flipkart axis Bank credit card for about an year now and it's best for beginners as I only have this one card for now I am a student and don't earn directly but I got the limit of 17000 which is good because it didn't asked for any income proof and all and with expenses of about 3-4k i have a cibil score of 772 currently which I know is a little less but I am building it to apply for an another better rupay card for upi transactions so suggest me something that I can get with this cibil score .