Top 5 Credit Cards in India for 2023
Best Credit Cards in India 2023 | Lifetime Free with No Annual Fee
we’re diving into the world of credit cards in India, but with a unique twist – we’re focusing on credit cards that come with lifetime free membership and no annual fees. We’ve carefully selected these cards to cater to a variety of interests and lifestyles, from entertainment enthusiasts who love movies and dining out to frequent travelers in need of airport lounge access. I’m Mahesh from TrekBook India, and after three decades in Research and development, I’ve embarked on a new journey to explore the beauty of our incredible country. My goal is to provide you with a simple yet comprehensive guide to make your financial decisions easier. So, let’s get started!
The Power of Credit Cards with No Annual Fees
Before we dive into the specific credit cards, let’s discuss the importance of credit cards with no annual fees. These cards offer several advantages:
- Cost Savings: With no annual fees, you’re not burdened with recurring charges, making these cards budget-friendly.
- Lifetime Free: You won’t need to worry about paying for your card year after year. Once you have it, it’s yours to keep.
- Introductory Offers: Many of these cards come with attractive introductory offers, such as cashback, discounts, or vouchers.
- Convenience: Credit cards offer convenience for various transactions, including online shopping, dining, and travel bookings.
Now, let’s explore the best credit cards in India that come with these benefits.
SBI Simply Click Credit Card
The SBI Simply Click Credit Card is a fantastic choice for those who love online shopping and entertainment. Here’s why:
Introductory Offer:
- Joining Fee: Rs. 499 (Offset by an Amazon gift voucher worth Rs. 500)
- Spend Rs. 1 lakh in a year, and you receive an additional Rs. 2,000 Amazon gift vouchers.
This card is essentially free thanks to the introductory Amazon gift voucher, and it’s perfect for avid online shoppers.
Axis My Zone Credit Card
The Axis My Zone Credit Card is your go-to card if you’re passionate about dining out and ordering in. Here’s what it offers:
Introductory Offer:
- Lifetime free membership with no joining or annual fees
- 1-year Sony LIV subscription for free
With 40% off on Swiggy orders and 20% off at numerous restaurants across India, this card is a dining enthusiast’s dream.
IDFC First Credit Card
The IDFC First Credit Card is a versatile option that caters to a wide range of preferences. Here’s what sets it apart:
Introductory Offer:
- Lifetime free membership with no joining or annual fees
- Rs. 500 gift voucher on spending Rs. 15,000 within the first 90 days
With offers at 1,500 hotels and a host of dining benefits, this card is perfect for both travelers and food lovers.
ICICI Platinum Chip Credit Card
ICICI Platinum Chip Credit Card is known for its brand reliability. Here’s what it offers:
Introductory Offer:
- Lifetime free membership with no joining or annual fees
| Type of Fee/ Charge | Amount |
| Joining Fee | Nil |
| Annual/ Renewal Fee | Nil |
| Finance Charges | 3.4% p.m. (40.8% p.a.) |
| Late Payment Fee | For Statement Balance: Below Rs. 100: NilBetween Rs. 100 to Rs. 500: Rs. 100 Between Rs. 501 to Rs. 5,000: Rs. 500 Between Rs. 5,001 to Rs. 10,000: Rs. 750 Between Rs. 10,001 to Rs. 25,000: Rs. 900 Between Rs. 25,001 to Rs. 50,000: Rs. 1,000A Above Rs. 50,000: Rs. 1,200 |
If you value brand trust and want a lifetime free card, this ICICI credit card is a strong contender.
AU Bank Altura Card
The AU Bank Altura Card is an excellent choice for those who frequently visit airports and railways. Here’s why it’s worth considering:
Introductory Offer:
- Rs. 199 annual fee (waived if you spend Rs. 10,000 in the first 90 days)
- Rs. 150 cashback on spending Rs. 2,500
With two domestic airport and railway lounge accesses per quarter, this card caters to travelers seeking comfort and convenience.
Choosing the Right Card for You
Now that we’ve discussed each card’s unique features let’s summarize the best scenarios for each:
- SBI Simply Click: Perfect for festival shoppers and online enthusiasts who love discounts on Amazon, Flipkart, and more.
- Axis My Zone: Ideal for those who enjoy dining out and ordering food with discounts on Swiggy and at restaurants.
- IDFC First: A versatile choice for travelers, foodies, and those who want to enjoy hotel and dining discounts.
- ICICI Platinum Chip: Trustworthy and brand-focused individuals who prefer a lifetime free card.
- AU Bank Altura: Travelers who frequently use airport and railway lounges to relax during layovers.
Additional Benefits: Beyond No Annual Fees
While these cards are known for their no annual fees, they also come with additional benefits:
- Reward Points: Most cards offer reward point systems, providing benefits like cashback, discounts, or vouchers.
- Fuel Surcharge Waiver: Many cards provide a waiver on fuel surcharges when you use your card for fuel payments.
- Dining Discounts: Enjoy discounts at partner restaurants, making dining out more affordable.
- Movie Ticket Offers: Some cards offer buy-one-get-one-free movie ticket offers.
- Cash Withdrawal: IDFC First Credit Card offers cash withdrawal with no fees for up to 48 days, an exceptional benefit.
Also Read: Baroda UP Gramin Bank Balance Enquiry Number & Details
The Power of Planning
While these cards are enticing with their no annual fees and various benefits, it’s crucial to use them responsibly. Pay your credit card bills on time to avoid interest charges, and keep an eye on your spending to ensure you stay within your budget.
Conclusion
In conclusion, these credit cards offer you the opportunity to enjoy the perks of credit card ownership without the burden of annual fees. Consider your spending habits, interests, and needs when choosing the right card for you. With the right card in hand, you can unlock a world of discounts, cashback, and rewards.
Thank you for joining us on this credit card journey. We hope this guide has been helpful in your quest for the perfect lifetime free credit card. If you have any questions or need further assistance, feel free to explore the links in the video description for direct access to the credit card websites. Enjoy the benefits of your new card and happy spending!
Best Credit Cards in India 2023 | Lifetime Free with No Annual Fee we’re diving into the world of credit cards in India, but with a unique twist – we’re focusing on credit cards that come with lifetime free membership and no annual fees. We’ve carefully selected these cards to cater to a variety of…
