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Best credit cards in India with NO annual Fee| Best credit card for online shopping

  • Author: Profitaxis
  • Published On: January 21, 2025
  • Category:Latest News
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Best Credit Cards in India

Top Credit Cards in India

  • HDFC Business Regalia Card
  • ICICI Amazon Pay Card
  • SBI Cashback Card
  • Axis Ace Atlas Card

Lifetime Free Credit Card: HDFC Cashback Card

Offer: Apply through the dedicated link by 31st December 2024 to get this card Lifetime Free. This is an excellent offer, as you won’t need to worry about renewal charges ever again, even if you don’t actively use the card.

HDFC Cashback Card Highlights

  • Joining Fee: ₹5,000,000 + Taxes
  • Annual Renewal Fee: ₹5,000,000 + Taxes (Waived if you spend ₹5,000,000 or more annually).

Benefits of the HDFC Cashback Card

  • 5% Cashback: On online purchases made on specific platforms like Flipkart, Swiggy, and others.
  • Additional Swiggy Benefits: Earn cashback of ₹10 per transaction on the Swiggy app (food ordering, dine-out, and Genie services). Monthly cashback cap: ₹1,500,000.
  • Golf Privileges:
    • 12 Complimentary Golf Classes annually.
    • 4 Complimentary Rounds of green fees per year.
  • Airport Lounge Access: Enjoy complimentary access to both domestic and international lounges, available in RuPay variants for additional UPI transaction rewards.
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Credit Card Insights

Explore rewards, cashback offers, and more!

Reward Points

Earn points on utility bills, shopping, and more. For example:

  • 10 Points for every ₹150 spent on specific apps.
  • Redeemable as cashback (₹0.15 per point).

Other Lifetime Free Credit Cards

Tata Neu Plus Card

  • Rewards: Up to 10 Tata Neu Coins per ₹100 spent on Tata brands like BigBasket, Tanishq, and Titan.
  • 5 Neu Coins for utility payments via Tata Pay.
  • Accidental air death cover: ₹1 crore.
  • Emergency overseas hospitalization: ₹15 lakhs.
  • Offer: Apply by 31st December to get lifetime free access.

AAC Biz First Credit Card (Business Card)

For self-employed individuals, this card offers targeted rewards and benefits:

  • 2% Cashback: On utility bills, electronics, and app transactions.
  • Milestone Rewards: Earn 2,000 points every quarter by spending ₹75,000.
  • Additional Benefits:
    • Pay GST and income tax using the card.
    • Discounts on travel, software purchases, and business insurance packages.

General Insight into Credit Card Usage

  • The importance of choosing the right credit card based on spending habits.
  • Effective utilization of credit card points for travel and other benefits.
  • The impact of credit card devaluations and the need for cautious planning.

Categories and Ratings

Credit cards are categorized into tiers:

  • Basic
  • Gold
  • Platinum
  • Needs Improvement

Discussed Credit Cards:

SBI Cashback Card

  • Annual Fee: ₹999 + GST.
  • Benefits: 5% cashback on online spends (up to ₹2,000 per ₹1,00,000 spend).
  • Eligibility: Moderate; good for beginners with a stable income (~₹30,000/month).
  • Rating: Gold.

ICICI Amazon Pay Card

  • Benefits: Cashback on Amazon and other platforms (₹2 cashback per ₹100).
  • Rating: Basic.

Tata Neu Infinity Card:Annual Fee: ₹1,499; waived with ₹1,00,000 annual spend. Benefits: Cashback in the form of Neu Coins (₹1 = 1 Neu Coin); rewards on Tata brands, utility payments, etc. Rating: Gold. Axis Ace Magnus Card Previous Benefits: Exceptional reward system and transfer ratios (e.g., Singapore Airlines). Current Status: Downgraded; fewer benefits post-2023 updates. Rating: Needs Improvement. Axis Ace Atlas Card Annual Fee: ₹5,000. Benefits: 1:2 transfer ratio to hotels and airlines; 2–5 points per ₹1 spent. Eligibility: High (₹12 lakh+ annual income). Rating: Gold. HDFC Business Regalia Card Eligibility: Strict (₹22 lakh ITR for self-employed). Benefits: 15% reward rate on tax payments; Taj/ITC vouchers; high reward rates for travel-related redemptions. Rating: Platinum (for business owners). HDFC Infinia Card Annual Fee: ₹12,500 + GST (fully reimbursable via reward points). Benefits: 5x points via SmartBuy platform; metal variant for new applicants. Eligibility: Not clearly specified; premium card. Rating: Platinum. Important Tips for Credit Card Users: Choose Based on Lifestyle: Select a card that aligns with your spending habits (e.g., travel, dining, or online shopping). Monitor Card Devaluations: Credit card benefits may change; keep track to avoid losing value. Utilize Points Wisely: Redeem points on platforms that maximize value (e.g., travel, hotel stays). Eligibility Check: Apply only if you meet the income or credit score criteria to avoid rejection.

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