We all know to control your money, save money and enjoy hassle-free payment.
Annual fees on credit cards are a big concern of customers and credit cards with no annual fees that can give you a bundle of benefits is always in demand.
Managing your money is more important than earning money, so you must select a credit card wisely.
A card with high joining fees and annual fees will be a big hurdle to your financial freedom.
Here we have shared credit cards without any joining fees and value of your money.
In the market banks or issuers hardly offer a credit card without any joining and annual fees that create an extra financial burden on you.
Top 8 Credit Cards With No Annual Fee
Credit cards now help a lot in some critical situations and it is a financial backup but high joining fees and annual fees create a burden on you.
1. Amazon Pay ICICI Bank
Amazon pays icici bank credit card is a great card for Amazon prime members in online transactions.
Prime members have special offers like 3.5 % monthly interest rates and comparative low-cost online products on Amazon.
Amazon pays ICICI bank credit card unique features like a 15% discount at over 2500 restaurants across India and a 1% fuel surcharge waiver across all petrol pumps.
Amazon pay ICICI credit card offers 5% cashback to Amazon prime members and 3% cashback on Amazon for non-prime members.
Other benefits like 2 % cash back on 100+ amazon pay partner merchants and 1 % cashback across all other purchases.
2. ICICI Bank Platinum Chip
ICICI bank platinum credit card offers good reward points and discounts.
ICICI bank platinum card charges an interest rate of 3.4% per month and 2 reward points on every Rs. 100 spent for all retail buys except fuel.
ICICI bank credit card 1 reward point on every Rs. 100 spent on utilities and insurance section.
ICICI bank platinum chip features a 1% fuel surcharge waiver at HPCL pumps and a 15% discount at 2,500 restaurants in 12 cities.
3. Bank Of Baroda Prime
You can get a bank of Baroda prime credit card with a fixed deposit of 15000 rupees or more without any income documents.
Bank of Baroda prime credit card interest rate 3.25% per month with welcome benefits and 4 rewards points for every 1oo rupees spent.
Bank of Baroda prime free personal accidental death cover and zero liability on the loss of the card or any fraud but you need to report on time.
1% cash back on all spending and fuel charge waived for all fuel transactions between rupees 400 to 5000.
Credit cards offer an EMI option for over 2500 purchases and 50 days of interest-free credit from the date of any purchase.
4. IDBI Aspire Platinum
IDBI aspire platinum credit card offers some unique spending offers and discounts, low-interest rates but no insurance.
IDBI aspire platinum credit card interest 2.9 a month and delight points for every rupees 150 spent on traveling, shopping, dining, movies, etc.
5. AXIS Bank Select
Axis bank select credit card only for burgundy savings account with a net monthly salary credit of 3 lakh.
A credit card offers a bundle of benefits like an Amazon voucher of rupees 2000 on the first card transaction, you need to complete 90 days of card issuance.
Axis bank select offer rupees 300 off the second ticket on BookMyShow and priority pass membership with 6 international lounge visits a year.
5000 edge points rupees 3 lakh spends in the anniversary year and 6 complimentary golf rounds a year.
6. HSBC Visa Platinum
HSBC visa platinum credit card offers great travel features, discounts on spending, and reward benefits.
HSBC visa platinum credit card offers an interest rate of 3.3% per month and zero liability in case of loss of credit card.
HSBC visa platinum card offers coverage of 3 lacs in case of misuse of the card but you have to report bank within 24 hours.
HSBC visa platinum credit card offers excellent welcome gifts Amazon and Swiggy coupons, 3 airport lounge access domestic and international, or 3 meal vouchers Indian airport restaurant.
10% cashback up to rupees 2000 on the rupees 10000 spend within 60 days of card issue.
HSBC visa platinum credit card offers many more offers and international access.
7. Kotak 811# Dreamdifferent
Kotak 811 has a great rewards program like rail surcharge waiver, and credit liability covers with an interest rate of 3.5% per month.
Kotak dream different shield offers a cover of rupees 50000 in case of misusage up to 7 days before reporting if the card is stolen.
Kotak dream different benefits 500 bonus reward points on rupees 5000 spend in the first 45 days.
Kotak dream different 2 reward points for every 100 rupees of online purchases and 1 reward point for every 100 rupees of other purchases.
Kotak Dreamdifferent other unique features like a 1% fuel surcharge waiver across all petrol pumps for spending between rupees 500-3000 and a transaction waiver on irctc.co.in and Indian railway booking counter.
8. IDFC’s First Bank Wealth
IDFC’s first bank credit card lifetime free credit card, super saver interest rates, travel benefits, and interest-free credit card.
IDFC’s first bank wealth credit card offers an interest rate of 0.75-3.5 % a month and air insurance cover of rupees 1 crore and personal accident cover of rupees 10 lakh and in case of lost card liability cover rupees 50000.
IDFC wealth credit card offers welcome benefits voucher worth rupees 500 on purchases of rupees 15000 or more within 90 days of card issue.
Wrapping Up
The credit card must be free from joining fees and free from annual fees.
Credit cards uses are increasing day by day and many online buy offer attractive benefits on credit card issues.
You need to be very much comparative and calculative in case of selection of a credit card.
You need to measure the online and offline credit card benefits offer by the bank or issuer so that you are free from unwanted pressure.
Financial literacy is essential when selecting a credit card.
You can select a credit card as per your financial requirements.
