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Forget hidden charges and paying hefty joining fees! Credit cards have become an integral part of our lives, offering convenience and rewards for our purchases. Some credit cards have joining fees, but there are other cards that don't charge any fees.
In this blog, we will highlight the 3 best credit cards with no joining fee, providing you with an overview of their features, rewards, and benefits. Whether you're a frequent traveller, a shopaholic, or someone who wants to save on their daily expenses, there's a credit card on this list that will suit your needs. Let's dive in and get started!
3 Best Credit Cards with No Joining Fees
Get to know them in detail ⤵
1)Amazon Pay ICICI Credit Card
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If you're an avid Amazon shopper or someone who frequently engages in online transactions, the Amazon Pay ICICI Credit Card is worth considering! With its unique no-fee structure, you can enjoy unlimited cashback benefits and reap the benefits of special deals with partner merchants. This credit card is a valuable addition to your wallet, as it offers rewards on your everyday spending and makes your transactions more rewarding.
Features and Benefits
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For Amazon Prime Members |
For Non-Prime Members |
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5% cash back on purchases made on Amazon |
3% cash back on purchases made on Amazon |
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5% cashback on booking of flights and hotels on Amazon.in |
3% cashback on booking of flights and hotels on Amazon.in |
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2% cashback on Amazon Pay Gift Cards |
2% cashback on Amazon Pay Gift Cards |
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2% cashback on payments made to Amazon's partner merchants using Amazon Pay wallet |
2% cashback on payments made to Amazon's partner merchants using Amazon Pay wallet |
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1% cashback on international spending |
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1% cashback on all other merchants outside Amazon |
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Who should get this card?
- Frequent Amazon shoppers: If you make a lot of purchases on Amazon, this card is a no-brainer. You'll earn 2% cashback on all Amazon Pay transactions and gift cards.
- People who like cashback: Even if you don't shop on Amazon all the time, the 2% cashback on all other purchases made through Amazon Pay is a good deal. There are no spending limits or category restrictions, making it a flexible option.
- Those who prefer digital payments: The card seamlessly integrates with your Amazon Pay account, making it easy to track your spending and redeem rewards.
Overall, this credit card is suitable if you frequently shop at Amazon and are looking for a card that offers decent cashback on your purchases. However, if you frequently shop at Flipkart or Myntra, then check out Flipkart Axis Bank Credit Card and Myntra Kotak Credit Card.
2) IDFC FIRST Select Credit Card
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Experience the best of both worlds with the IDFC FIRST Select Credit Card, which offers premium features without any annual fees. This credit card allows you to enjoy a premium lifestyle by providing benefits such as travel perks, year-round offers, trip cancellation coverage, and a reward rate ranging from 0.6% to 2%. Check out all the benefits that this card has to offer.
Features and Benefits
|
Welcome Bonus |
- Vouchers worth ₹500 on spending more than ₹5,000 within 30 days of card issuance |
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Reward Points |
- 10x Reward Points on spends above ₹25,000 on your birthday |
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Entertainment Benefit |
- BOGO offer on movie tickets up to ₹250 on the Paytm app, valid twice per month |
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Dining Benefit |
Up to 20% discount at 1500+ restaurants |
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Lounge Access |
- 4 free domestic airport lounge access per quarter on minimum spending of ₹ 5,000 |
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Travel Benefit |
Cancellation cover for 2 claims up to ₹10,000 will be available for hotel and flight booking cancellations |
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Fuel Surcharge |
Fuel surcharge waiver of 1% at all fuel stations across India, up to ₹300 per month |
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Insurance Coverage |
- Air Accident Cover of ₹1 crore |
Who should get this card?
- Frequent spenders who value reward points
- Travel enthusiasts
- Moviegoers and entertainment seekers
- Individuals with a good credit score
3)AU BANK LIT Credit Card
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AU Small Finance Bank has introduced a unique credit card in India, the AU Bank LIT Credit Card, which allows you to pay only for the features you use. This credit card can be tailored to your specific lifestyle and spending habits, so you don't have to pay for features that you don't use. The card comes with no joining or annual fees, and you can earn a base reward rate of 0.25% on every spend. Let's delve into the card's features and benefits.
Features and Benefits
|
Shopping Benefit |
10x or 5x Reward Points on all online or offline domestic and international transactions |
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Milestone Benefit |
5% or 2% cashback on retail spending along with one reward point for ₹100 spent |
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Cashback Benefit |
5% cashback on travel, dining, groceries, apparel, and electronics, along with one reward point for ₹100 spent |
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Lounge Access |
Up to 4 airport lounge visits per quarter |
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Memberships |
3 Months of Membership of ZEE 5 | Amazon Prime | Cult.fit |
Who should get this card?
- Spenders seeking customisation: The LIT card allows you to choose reward categories like dining, fuel, and travel and select benefits like airport lounge access and fuel surcharge waiver, aligning with your spending patterns.
- Individuals preferring cashback credit cards
- Individuals who shop frequently
Conclusion
Credit cards that don't charge a joining fee can be a great way to get all the benefits of a credit card without any extra costs.
Each of the above cards has unique features, benefits, and rewards that cater to different lifestyles and spending habits. By choosing the right card, you can enjoy cashback rewards, travel perks, dining discounts, and more.
If you're still not sure which credit card to choose, you can head to Select by Finology, which lets you compare over 50 credit cards.
You can filter and compare cards based on their features, fees, rewards, and benefits. So, go ahead and explore to find the best credit card for you!
