January 2023: The Best No-Annual-Fee Credit Cards

January 2023: The Best No-Annual-Fee Credit Cards ...

Credit Card for SBI Unnati

The world changed when the Unnati card was introduced, with the promise of a $0 yearly fee for the first four years of card use. This card stands out from the crowd due to its innovative features and ease of use.

All you need to do to get a Unnati card and receive benefits is a fixed deposit of INR 25,000 or more with SBI. Read on to discover the card's appealing features first.

  • 1 reward point for every INR 100 paid via card Reward point redemption against reward catalog gifts
  • A return of INR 500 is available if you spend INR 50,000 or more, and a 1% fuel fee waiver is available for transactions of INR 500–3,000 at petrol pumps across India.
  • worldwide acceptance, with 24 million establishments ready to accept the card.

Axis Bank Select Credit Card

The Axis Bank Choose Card is a lifetime-free credit card designed exclusively for Bank of Burgundy customers. Other benefits include complimentary airport lounge access worldwide, complimentary golf round sessions, and a 15% discount with the Dining Delights program.

The HSBC Visa Platinum Credit Card is a credit card issued by the company.

The card, which does not charge annual fees or join-up fees, includes a slew of discounts, rewards, cashbacks, and other benefits. All of this is covered in the following paragraphs.

For every INR 150 spent, you will earn two reward points.

  • After spending INR 4 lakhs in a year, earn five times the rewards on purchases.
  • Get extra reward points when you shop at participating Extra partners.
  • Reward points will be given on a regular basis as soon as the transaction is posted on the HSBC system. The extra benefits, on the other hand, would be credited within two months at the conclusion of the purchase month.
  • For the first year, expenditures on meals, communication, and hotels will earn you 3X reward points.
  • A 10% payback is available on all purchases made within 90 days of receiving the card. To qualify for the cashback, you must spend at least INR 10,000. From July 1st to December 31st, 2017, the maximum cashback amount is INR 3,000 per card.
  • A minimum of three purchases are required for a cardholder to receive the cashback. In the absence of the same, cashback will not be awarded.

IndianOil's CITI® Platinum Credit Card

The annual fee for this IndianOil CITI Platinum Credit Card is waived if you spend INR 30,000 or more in a year. If the expenditure falls below INR 30,000, an annual fee of INR 1,000 will be deducted from the account. The card's name suggests that it is suitable for bike and automobile riders.

  • Earn 4 turbo points for every INR 150 spent on fuel purchases.
  • 1 tu of gasoline is equivalent to INR 1 in petrol.
  • Turbo point transactions are limited to INR 10,000.
  • Waiver of the 1% fuel surcharge
  • To receive these perks, the card must be swiped only at Citibank EDCs.
  • Spending on groceries and stores earns you two turbo points. The turbo points here are limited to a monthly spend of up to INR 5,000.
  • At over 1200 Indian Oil stations across the country, you can use your Turbo points to get free gas.
  • Customers can also turn their points into gift certificates for a wide range of goods and services.

Instant Platinum Credit Card from ICICI Bank

The ICICI Bank Instant Platinum Credit Card is a lifetime credit card that does not require any annual or membership fees. It comes with a slew of attractive discounts that will enable you to purchase more.

  • A discount of up to INR 100 is given when you book two tickets in a month through the BookMyShow service.
  • Earned reward points can be redeemed for cash.
  • The bank’s Culinary Treats Program allows you to save at least 15% while dining at over 800 establishments.

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