Credit cards are essential tools for managing finances, earning rewards, and enhancing purchasing power. However, many credit card users are deterred by the annual fees that come with certain cards. Fortunately, several banks in India offer lifetime free credit cards that allow users to enjoy the benefits of a credit card without having to worry about yearly fees.
Shopping
Reward Points
Travel | Shopping
Reward Points
Shopping
Reward Points
Movies | Travel | Dining | Fuel | Shopping
Reward Points
Travel
Reward Points
Travel | Shopping
Reward Points
Travel | Dining | Shopping
Reward Points
Travel | Shopping
Reward Points
Credit Card Name | Best For | Key Benefits | Annual Fee | Eligibility Criteria |
HDFC Bank Regalia Credit Card | Premium Lifestyle | - 2 Reward Points per INR 150 spent on all categories. - Complimentary lounge access. - Travel benefits, including a free annual membership to Priority Pass. | ₹2,500 | Minimum annual income of INR 6 lakh. |
ICICI Bank Coral Credit Card | Dining & Shopping | - 2 PAYBACK points for every INR 100 spent on dining, groceries, and shopping. - 1 PAYBACK point per INR 100 spent on all other purchases. - 15% discount at select restaurants. | ₹500 | Minimum annual income of INR 3 lakh. |
Axis Bank Privilege Credit Card | Travel & Shopping | - 3 Reward Points per INR 200 spent on shopping. - 2 Reward Points per INR 200 spent on dining. - Free airport lounge access. | ₹1,500 | Minimum annual income of INR 5 lakh. |
Standard Chartered Manhattan Platinum Credit Card | Shopping & Dining | - 5% cashback on groceries and supermarkets. - 1% cashback on all other spends. - Exclusive shopping and dining offers. | ₹2,500 | Minimum annual income of INR 6 lakh. |
SBI Card Elite | Premium Lifestyle | - 2 Reward Points for every INR 100 spent. - Complimentary access to domestic and international airport lounges. - Movie and dining benefits. | ₹4,999 | Minimum annual income of INR 6 lakh. |
RBL Bank World Safari Credit Card | Travel & Luxury | - 10x Reward Points on international spends. - Complimentary airport lounge access. - Exclusive benefits at luxury hotels and travel partners. | ₹4,999 | Minimum annual income of INR 8 lakh. |
IndusInd Bank Pinnacle Credit Card | High-Value Rewards | - 3 Reward Points per INR 100 spent. - Complimentary airport lounge access. - Lifestyle and travel offers at premium locations. | ₹2,500 | Minimum annual income of INR 7 lakh. |
Credit Card Name | Why Choose This Card |
HDFC Bank Regalia Credit Card | Best for frequent travelers who seek premium benefits. This card offers generous rewards on all purchases, including travel perks and lounge access. |
ICICI Bank Coral Credit Card | A great option for foodies and shoppers with its high rewards on dining and shopping. It also offers discounts at restaurants, making it a great choice for dining lovers. |
Axis Bank Privilege Credit Card | Perfect for those who love shopping and dining, with high rewards points on both categories. It also offers complimentary lounge access and great travel benefits. |
Standard Chartered Manhattan Platinum Credit Card | Ideal for those who frequently shop for groceries and dine out, offering high cashback and discounts at select brands and restaurants. |
SBI Card Elite | Perfect for premium lifestyle spenders with superior rewards and an array of benefits, including free lounge access and special movie and dining offers. |
RBL Bank World Safari Credit Card | Excellent for travelers who frequently shop internationally, offering 10x rewards on international spends, luxury hotel perks, and complimentary lounge access. |
IndusInd Bank Pinnacle Credit Card | Great for those seeking high-value rewards and luxury benefits. With premium rewards points on all purchases and exclusive offers, it suits high spenders. |
When selecting the best rewards credit card, consider the following:
Rewards credit cards offer an excellent way to maximize your spending by earning points, cashback, and exclusive benefits. Whether you are a frequent shopper, traveler, or foodie, the cards listed above cater to a variety of needs and spending preferences. Choose the one that suits your lifestyle best, and start enjoying the benefits today without worrying about annual fees.
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