Top Credit Cards With Low Fees: Today, credit cards have become more than just a means of spending, but also a smart financial tool, offering cashback, reward points, discounts, lounge access, and a variety of premium perks. Typically, as features increase, credit card annual fees increase. However, there are options in the Indian market that offer excellent benefits for less than ₹1,000 or no fees at all. These cards have proven beneficial for everyone, from young users to regular online shoppers.
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Amazon Pay ICICI Card
This card is unique for customers who want to use a credit card without any additional fees. It’s available for free for life, and there are no joining or annual fees associated with it. Low forex fees and additional rewards on Amazon shopping make it an attractive option for everyday transactions. Both Prime and non-Prime users enjoy various benefits, further enhancing its value.
Flipkart Axis Bank Credit Card
This card is suitable for those who shop on platforms like Flipkart and Myntra throughout the year. If the cardholder’s annual spend exceeds ₹3.5 lakh, the annual fee is completely waived from the second year. Exclusive cashback on Myntra and fuel surcharge waivers at every petrol pump make it an affordable and profitable option for everyday use.
SBI Cashback Credit Card
This card proves to be a great option for customers who spend online. Its annual fee is fully reimbursed on annual spends exceeding ₹2 lakh. Attractive cashback on online transactions and additional rewards on offline spending make it even more convenient to use, making it a preferred choice for those who prefer digital payments.
IDFC FIRST Millennia Credit Card
This card is specifically designed for young and new credit card users. The lifetime free subscription makes it an attractive option for new customers. This card has no joining fee or annual fee, allowing even users with a budget to easily enjoy the benefits of a credit card.
Axis Bank ACE Credit Card
This card is popular among users who make daily digital payments. The annual fee for this card is only ₹499, and this fee is applicable only if the cardholder spends less than ₹200,000 annually. Exclusive cashback on bill payments through Google Pay and four complimentary airport lounge accesses per year further enhance its features.
HDFC MoneyBack+ Credit Card
This card is beneficial for customers who prioritise online shopping. Its annual fee is ₹500, which is waived if they spend more than ₹50,000 annually. With 10X cashpoints earned on Amazon, Flipkart, Swiggy, and other major platforms, it offers excellent benefits on everyday purchases.
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The Utility of These Cards
The highlight of all these cards is that despite their low fees, they offer premium benefits like cashback, reward points, fuel discounts, bill payment benefits, and airport lounge access. These cards prove to be cost-effective and useful for online shopping, fuel expenses, utility bills, and regular daily expenses.