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Best Credit Cards in India with No Annual Fees: Rewards, Interest Rate and Benefits To Compare With

Credit card allows the card holder to make transactions with no need to pay instantly. It allows the customer to to borrow money with pre approved credit limits. One can make purcharge, can shop on online portals, groceries, electronics, bills and payments and much more. One can get exciting deals and discounts shopping, dine and restaurants, PVR and movies, flights booking. One can pay bills online for utility bills, phone, cable, internet, electricity, insurance and medical bills too. 

In now days it is very common to use a credit card to pay for a purchage or service. All most all banks offer, you may choose one of most suitable for your according to eligibilities. 

Table of contents:

  1. Flipkart axis credit card
  2. IDFC First Bank Credit Card




Flipkart axis credit card

Flipkart Axis credit card apply online, application status and payment

Flipkart Axis Credit Card offers great shopping deals and instant and exciting discount deals and offers.

What are the benefits of credit cards?

There are some reasons why to use a credit card:
  1. You can buy on credit and pay later
  2. Easily acceptable at every where - Easy to use without carrying money whenever you go for travelling, shopping malls and online shopping
  3. cash withdraws without interest
  4. Exciting rewards and unlimited cashback offers
  5. Make your travel easy and pay with credit card at hotels and restaurants
  6. Exciting deals, discounts and offer at online shopping, PVR and entertainment, dining, travel and on bill payments
  7. No need to carry money - Offers safety
  8. Get statement every month to keep track of your expenses

If you know how to use a credit card, 
and how to make use of the credit period, 
and repay the amount used on time, you can improve and boost our CIBIL score. 
Which will help to get loans at ease in future.

Highlights and Features Of Credit Card:

  • Earn 5% Cashback on Flipkart and Myntra shopping
  • Get 4% Cashback on Bills and Payments on Swiggy, Uber, PVR, Cleartrip, Curefit & Tata Play & 1.5% cashback on all other categories

It is specially when you shop from Flipkart.com and Myntra.com. 

Axis Bank is the 3rd(third) largest private sector bank in India offering personal and corporate banking and financial services.

In the trend of online shopping for regular shoppers and individuals, If you shop a lot being at your home and want to get products or services at great discounted prices and get offers then Flipkart Axis Credit is for you. 

It is not only Flipkart but also has great offers at Uber, Cleartrip, PVR and others. 


ELIGIBILITY CRITERIA:-

  • Status: Self employee/Salaried
  • Income: 15000 per month for salaried
  • Income: 30000 per month for self employee
  • Age Criteria: From 21 To 70 years



    * IDFC First Bank Credit Card

    IDFC First Bank Credit Card Plus Free Gift Voucher Worth Rs 500

    If you are seeking to get a IDFC credit credit card you may apply online from above and get it at your doorstep and avail exciting offers, cashback and rewards.

    Credit card allows the card holder to make transactions with no need to pay instantly. It allows the customer to to borrow money with pre approved credit limits. One can make purcharge, can shop on online portals, groceries, electronics, bills and payments and much more. One can get exciting deals and discounts shopping, dine and restaurants, PVR and movies, flights booking. One can pay bills online for utility bills, phone, cable, internet, electricity, insurance and medical bills too. 


    What are the benefits of credit cards?

    There are some reasons why to use a credit card:
    1. You can buy on credit and pay later
    2. Easily acceptable at every where - Easy to use without carrying money whenever you go for travelling, shopping malls and online shopping
    3. cash withdraws without interest
    4. Exciting rewards and unlimited cashback offers
    5. Make your travel easy and pay with credit card at hotels and restaurants
    6. Exciting deals, discounts and offer at online shopping, PVR and entertainment, dining, travel and on bill payments
    7. No need to carry money - Offers safety
    8. Get statement every month to keep track of your expenses

    Lifetime free credit card - IDFC bank credit card by IDFC bank when user can enjoy benefits and rewards on shopping, travel, entertainment, groceries, electronics and much more.

      Key features of IDFC First Credit Card:

    • Lifetime free
    • Enjoy a Free gift voucher worth Rs 500 on joining
    • Up to 10x rewards
    • Nil joining fee and annual fee


    ELIGIBILITY CRITERIA

    • Income group: Rs 25,000 and above
    • For both self employed and salaried
    • Age group: 18-70 years
    • Credit card holders are preferred
    • Required Age: 21-60 years

    Required documents to apply for:

    • PAN Card/Form 60
    • Address proof
    • Colour photographs
    • ID Proof and Income proof


    Fees and Service Charges:
    • Joining Fees: Nil
    • Annual Fees: Nil
    • Interest rate: 0.75-3.5% per month
    • Cash Withdrawal charges: Rs 250 per transaction
    • Card Replacement charges: Rs 100


    Simply click SBI Credit Card


    Why should I Apply for SBI Simply Click Credit Card?

    Here some of the benefits and key features you can avail with SBI credit card - SBI Simply Click Credit Card offers up to 10X rewards on online spending for Amazon, Appllo24X7, Bookmyshow and much more.................

    • Rs 500 gift voucher on amazon
    • 1% fuel surcharge waiver
    • Rs 500 worth of Welcome Gift Voucher
    • You get Rs 4000 worth vouchers on online spend over Rs 2 lakh

                                      


    ELIGIBILITY CRITERIA
    • Employment: Salaried or Self-Employed
    • Income: Rs 20,000 per month
    • Credit score: 700 and above
    • New to credit not allowed
    • Preferred: Credit card holders
    • Age Criteria: 21-60 years

    Documents Needed:

    • ID proof - Aadhaar card/PAN card
    • Address proof
    • Bank statement/Income proof
    • Colour photographs
    Fees & List of all charges: 
    • Joining Fees/: Rs 499 + GST
    • Annual Fees: Rs 499 + GST
    • Interest: Up to 3.5% per month
    • Cash Withdrawal charges: 2.5% or Rs 500(whichever is higher)
    • Card Replacement charges: Rs 100-250


    FI Money - Open a FI Instant Savings Account online under 03 minutes

    The FI Money a money management and financing app is the best option to open a saving account online. One can track its expenses, maximize and manage it's savings easily.


    The FI Money is a perfect solution for all of your accounts/financial management with FI money digital banking app and investment. There are some features of FI Money includes:

    • Zero balance savings bank account
    • 0/No maintenance charges
    • Open FI savings account instantly
    • Open Just with in 03 mintues
    • No hidden charges

    Steps to open a saving account:
    1. Click the above button of apply now
    2. Download the FI money app from play store
    3. complete with the registration process
    4. Deposit money to the account(minimum of Rs 225)


    Open a Fixed Deposit Account and get good credit score with Gild Credit Card(Student Credit card)

    Key points of Gild Credit Card:

    Open a fixed deposit account with Gild and get Gild credit card: 13.2% interest on your FD(fixed deposits) and 1% gold rewards on every spending.

    Gild offers a chance to own a credit card are special for those who are willing to get it but unable to do due to the eligibility issues for other credits cards that are available in the markets and help them to build a good credit score/history.


    Age and Eligibility Criteria:-

    *No such an eligibility criteria

    *Anyone with valid PAN card and above 18 years can apply

    Anybody from self-empolyee to salaried and even students can apply credit card online. 

    How to apply?

    • Open a Fixed Deposit with Gild
    • And, get a credit card with credit limit of 90% of the FD amount
    • 13.2% interest on your FD amount(tenure 2 years + 3 days) (6.6% interest per annuam)
    • Upto 1% Gold rewards on every spend using gild card
    • Free credit period of 45 days


    Benefits of Gild Credit Card:
    • Earn Gild Petals on every purchase done via card
    • 1% Gold rewards on every spend
    • Earn 13.2% interest on your FD(fixed deposit)
    • 1 Petal = 0.75 Rs
    • Every transactions you make earns 0.75% back as petals and it can be used to redeem digital gold, cashback and other exciting rewards
    • Petals or rewards you earn never expires
    Gild allows you to convert your digital gold assets to physical 24 K gold coins and gives annual fee Waiver on spend of Rs 3,00,000 or more in a year.


    Indusind bank credit card offers and rewards

    Indsind Bank credits is lifetime free! 
    You earn 4X rewards on all your spending.
    Have great savings on Ajio, PVR, Lifestyle, Easemytrip, EazyDiner & much more...


    HOW TO APPLY: 
    • Go through the below apply now button
    • Complete the registration and verification process
    • Select the credit card upon your eligibility


    Eligibility criteria:

    • Income: Rs 20,000 for Salaried 
    • Income: Rs 30,000 for Self-Employed
    • Age group: 21-65 years
    • Credit Score: 650 +
    • No Delayed Payments in the last 12 months(in a last year

    *New use to Credit is also Allowed


    Why should I go for Indusind credit card?
    1. It offers up to 4X saving points/rewards on all of your purchases
    2. Exciting deals & discounts on on Ajio, PVR, Lifestyle, Easemytrip, EazyDiner
    3. Fuel waiver charge on all petrol pumps across India of 1%
    ------------------------------------------------------------------------------------------

    *Get Flat Rs 400 Off on Ajio shopping

    *Get Rs 100 Off on Food & Beverage on order of more than Rs 350 at PVR

    *Lifestyle: Get additional 15% Off on Lifestyle orders above Rs 1999

    *EaseMyTrip: Up to Rs 1000 Off on Flights & Hotel bookings

    *Get 15% discount up to Rs 500 on Eazydiner and much more!


    DOCUMENTS NEEDED/REQUIRED FOR APPLICATION:
    • PAN Card, Address Proof, ID Proof and Income Proof


    American Express Credit Card - 

    Apply and Get Welcome Gift Rs 4,000
    Exclusive Membership Rewards on all Spends | 20% off on Dine

    Benefits of American Express Credit Card:

    - 20% Off on Dining at selected restaurants
    - 100% Annual Fee Waiver on Spends over ₹1,50,000
    - Welcome Gift: 4,000 Membership Rewards

    *Joining Fee: 1000/-
    *Annual Fee: 4500/- + GST charges



    American express credit card login and apply:

    • Go through the above apply now 
    • Click on login/join now and complete with OTP verification
    • Select American Express Membership Rewards Credit Card
    • Fill in the required details 
    • your application will be submitted and you will get notification of confirmation on approval of your application

    What documents are required of american express credit card:
    1. Pan card/Form 60
    2. Id proof
    3. Address proof
    4. Income Proof
    5. Bank Statement

    Eligibility criteria:
    • One should have Existing Credit Card member of any bank
    • Age: 21-60 years
    • Employment status: Salaried or self-employed 
    • For Salaried – Min ₹4,50,000 Annual 
    • Self Employed – Min ₹6,00,000 Annual
    • Available across major cities in  India


    Axis Magnus Credit Card

    Axis Bank is the 3rd(third) largest private sector bank in India offering personal and corporate banking and financial services. Axis magnus credit card is India's most rewarding credit card for food, travelling and shopping online. 

    • 25000 Bonus Reward Points on spending more than Rs 1 Lakh in a month
    • Additional 6000 regular reward points on spending Rs 1 Lakh
    • It is about a total 31000 reward points on spending 1 Lakh
    • Economy class complimentary flight ticket 
    • As annual benefit of worth Rs 10000 voucher on Tata Cliq
    • In a yea; 8 complementary VIP assistance service
    • Airport Concierge Service
    • Buy 1 Get 1 movie ticket up to Rs 500 on bookmyshow - 05 times a  month

    ELIGIBILITY CRITERIA:-
    • Minimum Yearly Income: Rs 18 Lakhs
    • Age: 21-65 years


    Early Salary Fibe Quick Loan Instant Approval

    A One Solution for all your cash needs!


    Get Flexible loans from Rs 5000 to Rs 500000 only with Fibe quick loans with a tenure of 2 years(24 months). 

    Instant online disbursal and it just takes 10 minutes to get your money in your bank account with easy EMI options and offers on online shopping portals.

    No Documents are needed ! No Hidden Charges !

    Completly digital process | No paper wrok


    - Early salary: gives one month salary in advance on approval

    - Re-pay anytime without any pre closure or fore closure charges


    ELIGIBILITY CRITERIA:- 

    • Employment status: Only Salaried
    • Income: Rs 18,000 per month(Tier 1 cities), 
    • Income: Rs 15,000(Tier 2 cities)
    • Credit score: 550 and above 
    • New to credit allowed/ 
    • Credit card holders are preferred
    • Age: 21-55 years


    Axis Vistara platinum Credit Card & its benefits

    Axis Vistara platinum Credit Card and Benefits


    *You get domestic Vistara flight ticket complimentary economy class domestic

    *Complimentary Club Vistara base membership

    *Up to 3 free economy domestic tickets on milestone spends

    *2 complimentary lounge visits per annum at selected domestic airports



    ELIGIBILITY CRITERIA:

    • Employment status: Salaried and Self-Employed
    • Income: For Salaried Rs 50,000 per month

                        For Self-Employed Rs 60,000 per month

    • Age: 21-65 years

    Axis Bank Indian Oil Credit Card Benefits On Every Fuel Transactions You Make

    WHY TO GET AXIS BANK INDIAN OIL CREDIT CARD?


    Axis Bank is the 3rd(third) largest private sector bank in India offering personal and corporate banking and financial services.

    This Axis Bank's Indian Oil Credit Card is specially designed to exciting benefits on all of your fuel transactions. 



    What are the benefits?

    Get 100% Cashback up to Rs 250 on all fuel transactions for first 30 days

    20 reward points per Rs 100 spent at Indian Oil Corporation Limited (IOCL) pumps across all over India

    1% fuel surcharge waiver | Annual fee waiver of Rs 50,000

    Up to 20% off discounts at partner restaurants

    Up to 10% off discount on movie tickets


    What are the Eligibility Criteria?

    • Both salaried and Self Employed can apply for it:
    • Income criteria for salaried is Rs 15,000 per month
    • Income criteria for self-employed is Rs 30,000 per month
    • Age: 21-60 years



    Prefr Loans Instant Approval Of Personal Loan In 2 Minutes

    Instant Personal Complete Digital Process With NO Hidden Charges


    Prefr provides instant personal loans to the un-banked people in India for up to 3 Lakhs without any hidden charges and completely online digital procedure. 


    What the the benefits of Prefr Loans?

    • Instant Loan Approval of Personal Loan Up to ₹3 Lakhs
    • 100% paper-less and complete online process
    • Provides money directly in your bank Account on Same Day
    • EMI Fliexibility On EMI Amount and Tenure Selection 
    • Available Top Up or Additional Loan Option in future 
    • Starting Interest rate from 16%

    How to Apply for Prefr Loan:

    • Go through the apply now button
    • You will get redirected to Prefr Loan Application Portal
    • Complete your mobile Verifification 
    • Complete with Name, Address and Personal details
    • Provide your Income, Loan Amount and Communication details

    *Complete your KYC online(for quick KYC to be completed apply with mobile number linked with your Aadhar number). 

    *Keep your KYC & Other Verification Documents ready to be uploaded next.



    Before you apply for Prefr loans go through the eligibility criteria:

    • Monthly Income: at least ₹20,000 per month or Above 
    • Age: 22 years to 55 years
    • EMI Date will be 5th of every month


    Money View Loan App: Flexible Personal Loans for customers at lowest interest of 1.33% per month

    Money View Personal Loans Paper Less Online process 


    • Complete online process
    • No paper work/Completely paper less
    • Flexible repayment
    • Low Interest Rate

    Money View is the best option to get personal loans with lowest interest rates in the market. Money View loans starts from 5000 to 500000 with the lowest interest rate of 1.33% per month.



    - Within minutes you can avail personal loans from 5K to 5L 

    - Get an instant approval when you apply for Money View loans

    - Get the money directly into your bank account within same day

    - It offers Flexible repayment tenure from 3 to 60 months

    - Interest rates of as low as 1.33% per month


    The perfect and best choice for personal loans without paper work and low interest rate:

    ELIGIBILITY CRITERIA:

    • Status: Salaried and self-employed
    • Income: Rs 13,500/Month
    • Credit score: 650 and Above
    • New to Credit
    • No credit score allowed
    • Age range: 21-58 years
    • Online process and completely paper-less 
    • No hidden charges

    *Eligibility Criteria To Apply for:

    • Employment: Both salaried and self-employed
    • Income: Rs 13,500/month
    • Credit score: 650 and Above
    • New to Credit
    • No credit score allowed
    • Age range: 21-58 years


    Axis My Zone Credit Card: Exciting offers  On purchase, movie and dine 

     

    Axis My Zone Credit Card Features and Benefits

    The benefits of Axis My Zone Credit Card includes instant discounts on Swiggy, Movies, complimentary lounge access, OTT benefits, gift vouchers and much more.

    Key Highlights:

    • Exciting offers on dinner, online shopping and movies and many more
    • It is lifetime free with nil joining and annual fees
    • Amazon complimentary gift coupon of worth Rs 500
    • 40% off on Swiggy
    • Free movie tickets plus complimentary lounge access

    ELIGIBILITY CRITERIA:
    • Employment Status: Self-Employed/Salaried
    • Income: Rs 15,000 per month  for Salaried
    • Income:  Rs 30,000 per month for self-employed
    • Age: 21 - 65 years



    Credit cards are financial tools to make cashless transactions and customers need to repay the amount billed by the bank monthly. Credit cards has become very useful as of now and along with it offers deals and discounts, exciting rewards and offers to the benefit to customers and maintaining a good credit score helps you get personal loans at a higher amount. You can compare various credit cards  before making a decision.

    There are some factor everyone should have considered while buying a credit card:

    • Service fees and charges like joining fee, annual fee,late payment and reward fee
    • Must check credit card's credit and cash limits 
    • Validity of reward points and about the credit score
    • Welcome bonus and promotional offers


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