Paying an enormous annual charge in your bank card is price it provided that you get substantial rewards in return. In any other case, bank cards with no annual charge supply higher worth and extra advantages in the long term. You’ll be able to maintain such bank cards lively with out incurring any additional value. Additionally, should you do minimal spending on lifetime free bank cards, they’ll go a great distance in enhancing your credit score rating as the credit score utilization ratio can be lowered considerably. Listed here are among the greatest bank cards with zero annual charge that can provide help to save lots in your bills.
Unique Card Gives from India’s high banks are only a click on away
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Finest Zero Annual Charge Credit score Playing cards in India
Right here is the listing of the highest zero annual charge bank cards from high bank card issuers in India:
| Credit score Card | Key Function | Finest Fitted to |
| Amazon Pay ICICI Credit score Card | 5% cashback for Amazon Prime customers on Amazon spends | On-line Purchasing & Eating |
| HSBC Visa Platinum Credit score Card | 10% cashback as much as Rs. 2,000 on making a minimal of 5 transactions inside the first 60 days | Motion pictures and Cashback |
| IDFC First Millennia Credit score Card | 10X reward factors on birthday and choose spends | Journey and Way of life |
| ICICI Platinum Chip Credit score Card | 2 reward factors per Rs. 100 spent on retail purchases | Rewards & Fundamental Advantages |
| IDFC First Choose Credit score Card | 10X reward factors on birthday and choose spends by way of this bank card | Rewards and Journey |
| Dhanlaxmi Financial institution Platinum Credit score Card | 5% cashback on transactions made at supermarkets and departmental shops | Grocery store & Departmental Retailer Purchases |
Additionally learn: Finest Credit score Playing cards in India for Jan 2023
Amazon Pay ICICI Credit score Card
BEST SUITED FOR ONLINE SHOPPING & DINING
Amazon Pay ICICI Credit score Card is greatest for Amazon prospects. This bank card comes with no annual charges or becoming a member of charges and provides quite a few advantages. Beneath talked about are among the main options of this card:
- 5% cashback for Amazon Prime prospects on Amazon spends
- 3% cashback for non-prime prospects on Amazon spends
- 2% cashback on transactions by way of Amazon Pay associate retailers
- 1% cashback on different funds
- 15% low cost on eating at choose associate eating places in India
Learn Amazon Pay ICICI Credit score Card Assessment | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
Amazon Pay ICICI Credit score Card offers you good worth again within the type of cashback. Nonetheless, solely Amazon Prime members can take advantage of out of this card as a result of the best cashback is obtainable solely on purchases made by Amazon Prime members. Other than this, Non-prime members will get a cashback of three% on Amazon spends. This bank card is appropriate for you should you incessantly store at Amazon and are on the lookout for a card that gives respectable cashback in your purchases. Nonetheless, should you incessantly store at Flipkart or Myntra, then you can too apply for Flipkart Axis Financial institution Credit score Card.
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HSBC Visa Platinum Credit score Card
BEST SUITED FOR MOVIES AND CASHBACK
HSBC Visa Platinum Credit score Card is a zero annual charge bank card that’s loaded with quite a few advantages, similar to cashback, complimentary lounge entry, free vouchers, rewards and rather more. A few of the essential options are talked about beneath:
- 10% cashback as much as Rs. 2,000 on making a minimal of 5 transactions that add as much as Rs. 10,000 or extra inside the first 60 days of card issuance
- Amazon voucher price Rs. 250 on finishing the web bank card software and Video KYC
- 3 complimentary airport lounge entry at home and worldwide lounges or 3 meal-vouchers
- Swiggy voucher price Rs. 250
- 2 reward factors per Rs. 150 spent on the cardboard
- Accelerated reward factors of 5X on incremental spends above Rs. 4 lakh each calendar 12 months
- Purchase 1 film ticket and get 1 free (As much as Rs. 250) on BookMyShow as soon as each month
Learn Extra about HSBC Visa Platinum Credit score Card | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
HSBC Visa Platinum Credit score Card is without doubt one of the greatest bank card with zero annual charge that’s appropriate for you if you wish to begin your credit score journey. This entry-level bank card is loaded with quite a few advantages like free vouchers, complimentary memberships, rewards, cashback, low cost on film tickets and rather more. The perfect half about this card is that it gives a sign-up bonus of over Rs. 2,000 with none becoming a member of charge, which is respectable as in comparison with different lifetime free bank cards obtainable out there. Total, you’ll be able to apply for this card if you’re on the lookout for an entry-level bank card and don’t wish to pay an annual charge.
IDFC FIRST Millennia Credit score Card
BEST SUITED FOR TRAVEL & LIFESTYLE BENEFITS
IDFC FIRST Millennia Credit score Card is a lifetime free bank card that’s appropriate if you’re on the lookout for a card that permits you to earn respectable reward factors in your purchases. Other than rewards, you can too avail different advantages, similar to lounge entry, cashback, low cost on film tickets and rather more with this bank card. A few of the main options are listed beneath:
- 10X reward factors on spends above Rs. 20,000 (per billing cycle)
- 10X reward factors in your birthday spends
- 6X reward factors on on-line transactions
- 3X reward factors on offline spends
- 1X= 1 Reward Level per Rs. 150 spent
- Rs. 500 price of reward vouchers & 5% cashback as a welcome profit
- 25% low cost on film tickets; as much as Rs. 100 (as soon as a month)
- 4 complimentary railway lounge visits each quarter
Learn IDFC FIRST Millennia Credit score Card Assessment | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
IDFC FIRST Millennia Credit score Card is an acceptable choice if you’re on the lookout for a zero annual charge bank card that comes with a great rewards fee. With this card, you’ll be able to earn as much as 10X reward factors on choose purchases. Additionally, you’ll be able to earn higher reward factors should you incessantly store on-line. The general rewards fee of this bank card is 3%, which is nice as in comparison with different zero annual charge bank cards. Additionally, this bank card works on an incremental mannequin, which principally means, the extra you spend the extra you earn. Typically, you’ll be able to apply for this bank card should you incessantly store on-line and are on the lookout for a card that offers good worth again within the type of rewards.
Unique Card Gives from India’s high banks are only a click on away
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ICICI Platinum Chip Credit score Card
BEST SUITED FOR REWARDS & BASIC FEATURES
ICICI Platinum Chip Credit score Card is a lifetime free bank card that gives passable advantages, similar to rewards, free vouchers, eating low cost, gasoline surcharge waiver and extra. It’s a contactless bank card that’s appropriate if you wish to earn reward factors in your retail purchases. Beneath talked about are among the key options and advantages of this ICICI Credit score Card:
- 1 reward level per Rs. 100 spent on utilities and insurance coverage
- 2 reward factors per Rs. 100 spent on retail purchases (besides gasoline)
- Motion pictures and journey vouchers, way of life merchandise and different merchandise in opposition to your reward factors
- Save as much as 15% on eating payments at over 2,500 eating places throughout the nation
- 1% gasoline surcharge waiver on Hindustan Petroleum gasoline pumps in your transactions of as much as Rs. 4,000
Finest Rewards Credit score Playing cards in India | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
ICICI Platinum Chip Credit score Card is a primary bank card that gives reward factors on each transaction. Nonetheless, it’s extra appropriate for retail purchases because it provides higher rewards on the mentioned class. Other than rewards, this bank card additionally provides some primary advantages, similar to eating low cost, gasoline surcharge waiver, vouchers and extra. This bank card doesn’t have a lot to supply aside from rewards. There are different rewards bank cards obtainable out there that include a greater rewards fee. You’ll be able to apply for this bank card if you wish to begin your credit score journey and are on the lookout for a primary credit score.
IDFC FIRST Choose Credit score Card
BEST SUITED FOR REWARDS & TRAVEL BENEFITS
IDFC FIRST Choose Credit score Card is a lifetime free bank card that gives accelerated rewards and advantages throughout varied classes, similar to procuring, travelling, eating, grocery and extra. Listed here are among the main options of this bank card:
- 10X rewards on incremental spending above Rs. 25,000 each month
- 10X reward factors on birthday spends
- 6X reward factors on on-line spends
- 3X reward factors on offline purchases
- 1X= 1 Reward Level per Rs. 125 spent
- Purchase one, get one film ticket free; as much as Rs. 250 (twice each month)
- 4 complimentary airport lounge visits per quarter
- 4 complimentary railway lounge visits per quarter
Learn extra about IDFC First Choose Credit score Card | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
IDFC FIRST Choose Credit score Card is without doubt one of the greatest zero annual charge bank cards that supply respectable rewards throughout all classes. Nonetheless, you’ll be able to earn higher reward factors should you incessantly store on-line because it provides 6X rewards on on-line procuring and 3X on offline purchases. You’ll be able to apply for this bank card should you don’t put large bills in your bank card and are extra inclined in direction of rewards as a substitute of cashback. Nonetheless, if you’re on the lookout for a card that gives advantages on a particular class, then this won’t be the perfect choice for you.
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Dhanlaxmi Financial institution Platinum Credit score Card
BEST SUITED FOR SUPERMARKET & DEPARTMENTAL STORE SPENDS
Dhanlaxmi Financial institution Platinum Credit score Card is a cashback bank card that’s appropriate should you incessantly make grocery store and departmental retailer purchases. Other than cashback, you can too earn different advantages, similar to insurance coverage protection, concierge companies, golf privileges and rather more. A few of the main options and advantages of this card are talked about beneath:
- Privileges throughout a number of luxurious choices like eating, golf and journey
- 5% cashback on transactions made at supermarkets and departmental shops
- Free insurance coverage protection, together with air accident, unintended demise, everlasting complete incapacity, lack of check-in baggage, lack of journey paperwork and rather more
- Decrease rates of interest on this bank card
- On-line concierge companies completely for you that can assist you get what you want
Finest Cashback Credit score Playing cards in India | Test Eligibility for Related Credit score Playing cards
Who ought to get this card?
Dhanlaxmi Financial institution Platinum Credit score Card allows you to earn cashback in your bills. This bank card is the best selection if you wish to earn cashback in your common expenditures like grocery store or departmental retailer purchases. The great factor is that this bank card comes with a low rate of interest, which implies you shouldn’t have to pay larger expenses. Total, you’ll be able to apply for this bank card in case your objective is to earn cashback in your common bills and also you don’t wish to pay an annual charge.
| Additionally learn: Finest Purchasing Credit score Playing cards | Finest Journey Credit score Playing cards | Finest Co-branded Credit score Playing cards |
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