Due to their growing popularity and savings perks, everyone wants to get the best free credit cards in India. While it is not difficult to get such a card, what is best depends on your expectations and requirements.
Assess your financial requirements and understand the other benefits you can access through the cards. Also, understand how to redeem credit card points as well as the process and fees of doing so.
With these parameters, you can choose from the following best credit cards with zero annual and joining fees.
Top Free Credit Cards
Check the benefits and offers available on these credit cards to zero in on a suitable option.
One Credit Card
- Enjoy 5X reward points, which do not expire, on your top two purchase categories
- No reward redemption fees or hidden charges
- Stylish metal credit card with virtual credit card that is activated instantly
- Powerful mobile application that helps you locate offers near you and allows you to manage the card hassle-free
Amazon Pay ICICI Credit Card
- A co-branded credit card that gives you exclusive deals on online shopping on Amazon
- Allows 5% cashback for Prime users and 3% for non-Prime users on all purchases on the Amazon Indian website
- Earn 1% cashback on other spends, such as fuel, grocery, insurance premium payments, etc.
- 1% fuel surcharge waiver at all petrol stations
IDFC FIRST Select Credit Card
- Earn up to 3X reward points on all your UPI payments up to ₹20,000
- Enjoy 10X rewards on spends over ₹20,000 and on your birthday
- Get 2 complimentary domestic airports and 4 railway station lounge visits per quarter
- Perks such as complimentary stays at luxury hotels and golf lessons, as well as travel insurance and roadside assistance
HSBC Platinum Credit Card
- Welcome offer of an Amazon voucher worth ₹500 on the minimum transaction of ₹5,000 within 30 days of activation
- 5X rewards on surpassing transactions of ₹4 Lakh
- Saving on fuel surcharge up to ₹3,000 annually
- Zero fraud liability, emergency replacement of cards, and other benefits
ICICI Platinum Chip Credit Card
- Earn 2 reward points on all retail purchases of ₹100, except fuel
- Get 1 reward point when paying insurance premiums and utilities
- Enjoy stress-free payment with a secure, contactless payment thanks to built-in chip technology
- Save more with waivers on fuel surcharge fees
Kotak 811 Dream Different Credit Card
- Secure credit card option that gives you up to 90% of your deposit value
- Earn 500 reward points on ₹5,000 spent within 45 days of activating the card
- Avail of ₹750 annual cashback on spending above ₹75,000
- Enjoy 2 reward points online and 1 point on every offline transaction over ₹100
IndusInd Bank Platinum Credit Card
- Earn 1.5 reward points with every transaction worth ₹150
- Benefit from comprehensive insurance coverage
- Enjoy premium benefits such as shopping from Montblanc, staying at luxury hotels and more
- Avail exclusive discount vouchers for Amazon, Uber, Flipkart, Apollo Pharmacy, Zee5, Ola and others
Fibe Axis Bank Credit Card
- Get up to 3% cashback on food delivery, commuting and entertainment transactions
- Save with 1% cashback on all the other categories, online and offline
- Travel conveniently with complimentary access to domestic airport lounges
- Save with 1% fuel surcharge waiver up to ₹400 on transactions between ₹400 and ₹5,000
What to Remember When Choosing the Best Credit Card
Here are some key points to remember while choosing your ideal lifetime-free credit card.
- Know which type of credit card you want by assessing your financial requirements, lifestyle, and budget
- Check the minimum credit score required by the issuer and other eligibility criteria
- Consider opting for a credit card that gives you welcome gifts in the form of vouchers and reward points
- Compare the interest rates of the credit cards
- Opt for a credit card offer with the highest credit limit
- Compare all the additional perks, such as airport lounge access, travel insurance protection, extended warranties, etc.
- Know how to redeem credit card points on the issuer’s website and check the applicable fees
- Read all the terms and conditions carefully before applying for the card
- Read online customer reviews to make a well-informed decision
Armed with this information, you can compare the best free credit cards in India and choose one that fits your lifestyle. To get some of the best offers in one shot, opt for the One Credit Card. With it, you can easily convert your purchases into affordable, no-cost EMIs over a flexible tenure.
You can also share your credit limit with up to 5 family members. Moreover, you can manage your card through the One Credit Card app, which makes it easier for you to spend confidently. To enjoy these and many more benefits on dining, travel and shopping, apply online.