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Tuesday, March 29, 2022

best credit card in india with no annual fee

     best credit card in india with no annual fee 

1. HSBC Visa Platinum credit card

the HSBC Visa Premium credit card yields benefit that extend beyond the no annual fee incentive. if you frequently swipe a card for travelling, dining, and online shopping purposes, this is just the right card  you. 

as part  their welcome proces, the bank offers an Amazon voucher worth ₹500 on a transaction starting ₹500 within 30 days of card issuance. if you're  shopping and networking buff, it's expected that you'll make at least 5 transaction in two month. in this case, the bank offer a generous 10% cashback (up to ₹2,000) on ₹10,000 and more. 

that's not all. for movie enthusiasts who can't resist the theatre aura, the salted popcorn, and the chilly soda,offers vouchers worth ₹500 on ₹50,000 spent per  (₹3,000 per cardholder per year). 

2. Kotak Fortune Gold card

primarily structured the Indian entrepreneurial community,  Fortune Gold credit card is a zero annual fee and interest-free cash withdrawal card, with feature that are difficult to turn down. 

sign up for  Fortune Gold card  avail the following benefit: 

cash withdrawal permitted up to 50% of credit limit

fuel surcharge waiver  transactions between ₹500-₹3,000

4 free  ticket (applicable for 3 months) or ₹750 Cashback on spending ₹1,50,000 per year

on account  theft, claim insurance against ₹50,000 against misuse up to 7 

outstation cheque processing fee, charge slip request, machine surcharge at  all waived

3. Axis Bank Insta Easy credit card

 Axis Bank  Easy credit card is a 0 annual fee - 0 joining fee credit card for individuals having a minimum fixed deposit (FD) of ₹20,000 in Axis Bank. 

let's look at their offerings: 

100% cash withdrawal permitted up to the credit limit

set your own credit limit, with the maximum touching 80% of the FD limit

1% fuel surcharge waiver on fuel transactions between ₹400-₹4,000

15% dining discounts at select restaurants

in case theft , the bank replaces the card with no replacement fee. these credit card benefit and protection work best for first-time users (18+) with  credit histories.

4. Card Unnati

 meaning , is what  promote with their credit card offering. offering  4-year zero annual fee,  has taken extra steps to make this card function as a  mode of payment. 

 has the following features:

earn 1 Reward on every ₹100 spent

1% fuel surcharge waiver for transactions between ₹500-₹3,000

spend ₹50,000 annually and earn ₹500 cashback

make any purchase  ₹2,500 using this card unlock the opportunity of converting credit card transactions into  

the bank offers a 25 day interest-free credit period on retail purchases along with the option to withdraw cash up to 80% of the total credit limit

the card is issued on one eligibility: hold an FD with  worth ₹25,000 or more.

5. Bank Platinum Chip credit card

the  Bank Platinum Chip credit card is best suited for individual who step out occasionally for recreation wining and dining. leveraging upon its 0 joining and annual fees policy, this card offer the following advantage: 

avail 15% discount on 2500 restaurants operating in 12 major cities with the  Bank culinary treats programme

1% fuel surcharge waiver (maximum ₹4000) at  pumps

2 payback point every ₹100 retail purchase (minus fuel)

earn 1 payback point on every ₹100 spent on and insurance purchases

enhanced embedded microchip security  against counterfeiting issues

eligibility: age 23+

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