Header Ads Widget

Responsive Advertisement

Apply for Credit Card Online with minimum Annual And Joining Fees

In the aftermath of demonetization, digital payments showed a boost in their volume, and it got a benefitting push with the announcement of lockdown in the year 2020. People adjusted themselves according to these unprecedented events, and have changed their payment methods. The country has seen a boost in the number of credit card users. There has been an increase of around 8 million users, from around 52 million in 2019 to 60 million in 2020 as per the Reserve Bank of India’s report. The rise of users can be because of various reasons like people now prefer using credit cards for online shopping than cash on delivery services, while most of the grocery shopping is done by using credit cards.

People have shifted to using credit cards from cash payments for various reasons, like getting rewards, gift vouchers, interest-free cash withdrawals, etc. But there is one factor that keeps many people from not getting a credit card, and that reason is the annual or joining fees that one has to pay while getting a credit card. Although, few consider paying the fees if they get benefitting rewards in return.

For those who don’t want to incur these expenses, we will provide you with some of the best credit cards in India that charge zero, or a minimum joining and annual fee.

HSBC Visa Platinum Credit Card

This credit card comes with zero annual fee charges. Loaded with various benefits, it is suitable for individuals who prefer indulging themselves in finer things, and often go to movies, or dine outside, or use their credit card to shop online or at stores.

ICICI Platinum Chip Credit Card

This card by ICICI Bank is a lifetime free credit card. Being a contactless credit card, it boasts of various benefits, including the Culinary Treats program, under which one can avail a minimum of 15% discount at more than 800 restaurants.

ICICI Bank Amazon Pay Credit Card

If you are an Amazon customer you must be aware of this card. This card comes with zero annual or joining fees. Amazon customers can apply for this card on the Amazon website or the app. By using this credit card, Amazon Prime members can avail of 5% cashback on products they purchase on the Amazon website or app. Cardholders can also avail of 1% cashback on all transactions, and don’t have to pay any amount either as a joining fee or as an annual fee.

Kotak Gold Fortune Credit Card

You can always expect the best from Kotak Bank. Kotak Gold Fortune credit card comes with various benefits, and no annual fee is charged. Some of its attractive offers include cash withdrawal up to 50% of the limit, and fuel surcharge waiver on transactions made between Rs.500 and Rs. 3000.

Axis Bank Insta Easy Credit Card

This is yet another lifetime-free credit card. One of the attractive features of this Axis Bank Insta Easy credit card is 100% cash withdrawal from the first day.

Apart from the above-mentioned credit cards, there are other credit cards that come with zero annual fees. A couple of such credit cards include:

SBI SimplyClick Credit Card

This card by SBI charges a joining fee of Rs. 499, which is waived off if there is a spending of more than Rs. 1,00,000 in the previous year. It is suitable for someone who loves to shop as it comes with an Amazon e-card voucher of Rs. 500. If we consider this voucher, you are getting this credit card without any joining fee.

Citi Rewards Domestic Credit Card

This card comes with an annual fee of Rs. 100, which can be waived off if the cardholder spends around Rs. 30,000 in a year.

 So, now that you know about some of the best credit cards in India that charge no joining or annual fee, you can apply for any of the credit cards mentioned above. Alternatively, you can apply for arguably the best credit card in India, the Bajaj Finserv RBL Bank SuperCard, which comes with the power of four cards in one.

Post a Comment