Top 8 best credit card in India with no annual fee: The main purpose of taking a credit card is to buy whatever you want and make easy payments through easy EMIs in a stipulated period. Today there are many credit cards available in the Indian market, which give you benefits of travel, dining, golf & lounges etc., but the cards which are most popular and the most demanded are Shopping Cards. The use of these cards, where your purchasing power increases, on the other hand, you can get rewards, cashback, and discounts on many brands.
Here we are sharing the list of top shopping credit cards being offered by different banks with you.
1) RBL Platinum Delight Credit Card
This RBL credit card is most suitable for people who are more shopping because in it you get many shopping benefits.
If you swipe the card within 60 days after the issue of this card, then as a welcome gift you get 4000 reward points.
At every 100 rupees, the RBL bank offers you 2 reward points. When shopping on weekends, the rewards become double.
Apart from this, you can get 1000 bonus rewards for 5 transactions every month for more than 1000 rupees.
Accumulated reward points can be used for shopping vouchers, fight tickets and hotel booking.
Annual Fee: The annual fee for this card is Rs 1000, which is if you spend Rs 1.5 lakh,
then it is forgiven.
2) Bajaj Finserv World Prime SuperCard
Bajaj Finserv is the branch of financial services of Bajaj Company and it offers credit cards with many shopping rewards.
World Prime SuperCard is a similar multi-benefit card. With this card, the user gets 12000 reward points as a Welcome gift, which can be redeemed in categories, Travel, Shopping, Mobile recharge etc.
In this, the customer receives 2 reward points after spending 100 rupees.
This card is very beneficial for online shoppers because, on your online shopping, your reward points are doubled.
Apart from this, you also get fuel surcharge wavors, complimentary airport lounge access, and milestone benefits.
You can apply online for the Bajaj Finserv Credit Card, you just have to give some basic details and submit some important documents.
Annual Fee: This card has the annual fee of Rs. 2,999
3) Moneyback HDFC
This is a great card given by HDFC Bank, which has been designed for frequent shoppers.
In this, you will get Rs On spending 150 get 2 reward points.
You get twice the profit on online transactions. You can use Ikkha Points as attractive gifts, air miles, or direct statement credit.
In addition, you get 1% fuel surcharge waiver and 50 days interest-free period is also given.
Annual Fee: Annual fee of this card is only Rs. 500
4) HSBC Platinum Credit Card
This is an attractive shopping credit card offered by HSBC Bank.
The special card of this card is that it has no annual fee. Within 90 days of taking it, you get back 10% of the amount you make in the form of cash back.
Maximum cash back Can be up to 3000 Every card with this card If you spend 150, you get 2 reward points and you get extra points when shopping from some partner outlets.
You can use these points to purchase a lot of gift vouchers and accessories.
Apart from this, this card also gives you free movie tickets and dining.
Annual Fee: Being a credit card lifetime free can be a good addition to regular shoppers.
5) Standard Chartered Manhattan Platinum Card
The card offered by Standard Chartered Bank is special in itself. With this credit card you can save a lot on your monthly bills.
Every rupee spent in departmental stores or supermarkets You get 5% cash back on 150, with a maximum limit of Rs. 500 is per month.
On the expenditure of all the categories, the user gets 3 reward points after spending Rs.150.
Under the Standard Chartered Good Life program, this card offers exclusive offers to shopping, travel-related payment or eating and drinking.
Annual Fee: To get this card you have to initially charge Jointing fee of Rs. 499 is payable
and every year Rs. 999 are payable, which are to be paid on second year onwards.
6) HDFC Regalia First
It is a luxury credit card and makes you a part of HDFC’s elite circle.
On receiving this card, you get many exquisite rewards and cash back.
Every card with this card If you spend 150, you get 4 reward points.
This benefit comes when you use the card in any retail purchase category.
You can use any of your reward Points HDFC rewards catalog to take any gift or book a travel booking from the HDFC Regalia website.
Apart from this, cardholders can get the lowest foreign currency markup of 2% on their foreign currency spends.
Annual Fee: The annual fee for this credit card is Rs. 1000
7) YES Prosperity Edge
This card offered by Edge Yes Bank.
This is a great credit card for those who shop online.
Within 30 days of the issue of this card, If you spend 7500 rs, then 1500 reward points are credited to your account.
On the occasion of birthdays and international spends, you are given the benefit of accelerated reward benefits.
Also, the user is given preferential rates of interest on revolving credit.
Annual Fee: The annual fees of this card’s Classic Plus Plan is Rs. 1749.
8) IndusInd Bank Platinum Aura Credit Card
This card offered by the IndusInd bank is absolutely suitable for premium lifestyle.
On receiving this card you are given an e-gift card on behalf of MakeMyTrip and Satya Paul. Every retail brand and consumer durables will have 4 reward points On reaching 100rs, are given to the user while 2 reward points are given on electronic items.
You can use these points for gifts, air miles or shopping. You are also given a cash credit facility, under which you can convert your collected rewards points into a direct statement credit.
Annual Fee: This card does not have an annual fee, but One-time joining fee is 5999.
You can check your eligibility for these credit cards and apply online at Paisabazaar.com.
Like a smart user, you should have the latest information on the latest deals and discount offers found on your card. E-commerce sites retain exclusive offers on some credit cards, so keep your eyes open so you can not miss these benefits.
Friends, enjoy your shopping with these credit cards, but you never shop for earning reward points. Remember to buy a credit card is to take a kind of loan, which you may have to pay a good interest if you do not pay for it over time. Therefore, use your credit card for smart use, take full advantage of reward programs, but make sure that you do not have the burden of unemployed debt.
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