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Imagine strolling through a financial wonderland where credit cards are the stars of the show. Just as you're about to enter, a wise old finance wizard appears, ushering you into a world of credit cards that don't play the annual fee game. It's like finding a treasure map that leads to a pot of gold – but instead of gold, it's financial freedom!
Alright, maybe the world of credit cards isn't exactly a Bollywood movie, but it sure has some intriguing options. If you're on the lookout for credit cards that won't sneakily snatch your money with annual fees, you're in for a treat. Here, we're unveiling the top contenders that not only keep your cash safe but also offer you the flexibility to enjoy life without worrying about hidden costs. These cards are suitable for beginners, online shoppers, frequent travellers, and anyone who wants to save money on credit card fees.
So, let's dive into knowing about some of the amazing credit cards with no annual fees.
Best Credit Cards With No Annual Fees
1. Amazon Pay ICICI Bank Credit Card
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The Amazon Pay ICICI Bank Credit Card is a lifetime-free credit card launched by ICICI Bank in partnership with Amazon Pay (India) Private Limited and Visa. This card rewards Amazon Pay purchases with rewards, no-cost EMI, 15% savings on dining bills, and a 1% fuel surcharge waiver. And if you are an Amazon Prime member, then you will enjoy greater benefits compared to non-prime members. Launched as an invite-only offering, the card is now open to all online shoppers and rewards cashback in the form of an Amazon Pay balance.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
Get a 1% fuel fee waiver at all petrol stations in India (as long as the transaction doesn't cost more than ₹4,000). |
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Cashback Benefits |
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Reward Benefits |
At the end of the payment cycle, earned reward points are deposited to the Amazon Pay balance, where 1 reward point equals ₹1. |
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Dining Benefits |
Enjoy a minimum of 15% off on dining bills at restaurants participating in ICICI Bank’s Culinary Treats programme. |
Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant’s age should be at least 21 years, and their monthly income should be at least ₹25,000.
2. IDFC FIRST Bank Classic Credit Card
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IDFC First Bank's FIRST Classic Credit Card is a no-annual-fee credit card designed for users seeking a basic, convenient, and secure payment method. It offers discounts, cashback, and purchase reward points, along with features like zero lost card liability and easy EMI options.
The card comes with a gift voucher worth ₹500 and a 5% cashback is given on the first EMI transaction. You can earn 3 reward points on every ₹150 spent offline and 6 on online purchases, with up to 10 reward points on incremental spends above ₹20,000 in a month. You also get rewarded on your birthday with extra reward points.
Features
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Welcome Bonus |
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Lounge Benefits |
Enjoy 4 complimentary Railway lounge visits per quarter. |
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Fuel Surcharge Waiver |
Get a 1% fuel surcharge waiver on transactions between ₹200 and ₹5000. |
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Reward Benefits |
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Insurance Benefits |
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Other Benefits |
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Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
3.50% |
Eligibility
Applicant's age should be at least 18 years, and should have a stable monthly income.
3. AU Bank LIT Credit Card
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The AU Bank LIT Credit Card is a versatile and customizable credit card that offers a wide range of benefits to suit individual preferences. The card, branded "Live it Today," encourages users to make the most of every moment and enjoy life to the fullest. With numerous features and benefits, cardholders can select and pay for specific features for 90 days. The card also provides rewards points, cashback benefits, and airport lounge access, and along with that it also offers free memberships to premium brands like Zee5, Amazon Prime, and more.
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Travel Benefits |
Enjoy 4 complimentary lounge access per 90 days (quarter). |
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Fuel Surcharge Waiver |
Get a 1% surcharge waiver on fuel transactions between ₹400 and ₹5000. |
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Cashback Benefits |
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Entertainment Benefits |
Get a complimentary 3-month Zee5, Amazon Prime, or Netflix membership. |
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Zero Liability Protection |
Get zero liability protection against fraudulent transactions in the event of loss or theft of the credit card up to ₹1,50,000 or your credit limit, whichever is lower. |
Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
43.08% |
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Foreign Transaction Fees |
3.49% |
Eligibility
The applicant's age should be between 21 and 60 years, and they must have a stable source of income.
4. IDFC FIRST Bank Select Credit Card
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IDFC First Select is a premium credit card in India, offers rewards-based benefits and flexible payment options. Its unique rewards program allows users to earn cashback and discounts on purchases. The card offers a welcome voucher worth ₹500 for spends of ₹15,000 or more, up to 5% cashback on EMI transactions, and up to 10x rewards on regular spending. It also provides travel benefits and privileges, such as complimentary lounge access at airports and railway stations.
Features
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Welcome Bonus |
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Fuel Surcharge Waiver |
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Travel Benefits |
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Insurance Benefits |
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Dining Benefits |
Enjoy up to 20% off at more than 1,500 restaurants. |
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Entertainment Benefits |
Enjoy buying one get one offer on movie tickets up to ₹250 on the Paytm mobile app twice a month. |
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Reward Benefits |
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Fees and Charges
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Joining Fees |
Free |
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Annual Fees |
Free |
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Annual Percentage Rate |
42.00% |
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Foreign Transaction Fees |
1.99% |
Eligibility
Applicant’s age should be at least 21 years, and they must have a decent monthly income.
Conclusion
And with that, we have reached the end of our journey through this financial wonderland. But hold on, this wasn't the true wonderland of finance, not quite!
To discover the real financial wonderland, all you have to do is pay a visit to Select by Finology. In the grand tapestry of your financial voyage, every swipe of these credit cards paints a stroke of opportunity. Just as an artist selects their tools with precision, you, too, deserve a credit card that harmonizes with your one-of-a-kind masterpiece.
So, what's the hold-up? Dive in and compare, then apply for the credit card that perfectly aligns with your dreams on Select by Finology. Set free your wallet's inner maestro and set forth on an adventure towards newfound financial liberty.
