Best credit card in india with no annual fee

1. ICICI Platinum Chip Credit Card

Subscription Fee: ₹0

Features

2% cashback on all retail purchases.

Reward point on each purchase.

Free access to some select airport lounges.

Discounts on movie tickets and dining.

Insurance coverage against travel accidents.

2. HSBC Visa Platinum Credit Card

Annual fees are waived at ₹50,000 spends.

Features:

Earn points on every purchase.

5% cashback on dining, groceries, and utility bills.

Limited access to airport lounges.

Discounts on movie tickets and travel bookings.

3. SBI Card Unnati

Annual Fee: ₹0 for the first four years

Features:

Earn 1 reward point for every₹100 spent.

2X rewards for dining, shopping, and entertainment.

Relevant offers in shopping, dining, and movie tickets.

Fuel surcharge waiver at partner petrol stations.

4. Axis Bank My Zone Credit Card

Annual Fee: ₹0

Features:

2 reward points for every ₹200 spent.

10% discount on dining and shopping at select partner stores.

Access to selected airport lounges.

Additional benefits on movie tickets and partner brands.

5. RBL Bank Platinum Maxima Credit Card

Starting at ₹0 annually.

1% cashback on all expenses in the first year.

5% cashback on dining/movie tickets.

10% back on online shopping platforms like Amazon, Flipkart, etc.

Limited access to selected airport lounges.

6. HDFC MoneyBack Credit Card

Subscription Fee: ₹0 (if annual spends exceed ₹50,000)

Promotions: `

Reward points are equal to 2 for every ₹150 spent.

1% cashback for online spends.

50% cashback for movie tickets.

Fuel surcharge waiver.

7. Kotak Bank Essentia Platinum Credit Card.

Subscription Fees ₹0

Reward points equal to 2 for every ₹150 spent.

2% cashback on online shopping.

Access to selected airport lounges.

Discounts on movie tickets and lifestyle offers.

8. Bajaj Finserv RBL Bank Credit Card

Annual Fee: Free for the first year

Features:

1.5% cashback on all purchases

5% cashback on online purchases

10% cashback with selected partner stores

Other Important Considerations:

Eligibility: Most cards will have guidelines on who can apply, primarily based on income, credit report, and job profile.

Rewards structures differ with regard to spending behavior (grocery, travel, online shopping): Therefore, one should choose the right card based on their habit of spending.

Interest Rates: Annual fees can be waived, but please note that interest rates on outstanding dues are very much there. Try always to clear the dues so as not to attract the monthly interest charge.

Select a credit card for you based on your spending habits, along with good rewards for the categories you spend the most money on, like travel, dining, or shopping.

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