5 of the best credit cards in India that charge minimal or no annual fee

Customers check a list of desirable features before applying for a credit card today. Lifetime-free credit cards are gaining in popularity in India right now since they offer the benefit of No Annual Fees. This article enlists five credit cards that you must consider while applying for a credit card online. 

IDFC FIRST Select Credit Card

IDFC FIRST Select credit card offers a range of premium features and rewards across various categories. Here is a summary of IDFC FIRST Bank’s superior reward program: 

• Four complimentary railway-lounge visits and four complimentary domestic-airport-lounge visits per quarter. 
• The FIRST Select Credit Card offers a ‘buy one, get one’ offer on movie tickets up to ₹ 250 purchased through the Paytm mobile app. 
• Welcome Voucher worth ₹ 500 to customers who spend ₹ 15,000 or more within three months of card generation.
• The card offers a Complimentary Roadside Assistance worth ₹1399 and an Air Accident Cover of ₹1 crore.  
•  IDFC FIRST Bank, through the FIRST Select Credit Card range also offers a comprehensive Travel Insurance Cover of ₹22,500. 
• Customers can access more than 300 merchant offers through the year, and a discount of up to twenty per cent at more than 1500 restaurants. 

HSBC’s Cashback Credit Card

HSBC’s lifetime-free credit card offers these benefits: 

• Customers can avail an unlimited cashback for all transactions. 
• HSBC does not charge any joining fees from customers. 
• The card offers three complimentary airport-lounge accesses at domestic and international lounges in India. 

HDFC Bank Credit Card

HDFC Bank’s Shoppers Stop card is one of the lifetime-free credit cards that you can opt for. Here are some features: 

• Customers can get a complimentary Shoppers Stop membership by choosing this card. 
• The HDFC Bank Shoppers Stop credit card charges no Annual Fee. 
• HDFC offers a one per cent Fuel Surcharge Waiver of up to ₹ 250 per statement cycle at all petrol pumps in India. 

IndusInd Bank’s Platinum Card

You can benefit from the following features by opting for IndusInd Bank’s Platinum Card: 

• An EazyDiner membership worth ₹3550. 
• A fuel surcharge waiver of one per cent at any petrol pump. 
• A ‘buy one get one free’ offer on movie tickets. 
• Five, complimentary, business-class tickets.

Kotak Mahindra Bank’s Fortune Gold Card

The Fortune Gold Card offers the following key features: 

• Kotak Mahindra Bank customers can benefit from a higher cash limit i.e., 50% of their credit limit. 
• The bank offers a Fuel Surcharge Waiver on all transactions between ₹500 and ₹3000. Please note that the maximum fuel surcharge waiver allowed in a calendar year is ₹3500. 
• The card also offers a Balance Transfer facility. 

Conclusion

The best credit cards in India help you track your repayment cycle via an efficient mobile banking app. IDFC FIRST Bank’s mobile services, for instance, are well-known in this regard. You must check the technical resilience of a bank’s mobile app and gauge your credit card’s accessibility through the app before signing up for a lifetime-free credit card.