3 Best Credit Cards With No Joining Fees & Annual Fees-2024
09 May 2024 3 mins Credit Cards
Credit cards have evolved from just being payment tools to offering various benefits and perks. However, hidden fees and high enrollment costs can be a downside. Fortunately, some credit cards offer all the benefits without charging annual fees. Let's explore the top three credit cards without membership fees: the Amazon Pay ICICI Credit Card, HDFC Credit Card, and AU BANK LIT Credit Card.
1.Amazon Pay ICICI Credit Card
Features:
- Unlimited cashback on Amazon purchases.
- Special deals with partner merchants.
Rewards:
- 5% cashback for Amazon Prime Members, 3% for Non-Prime Members on Amazon purchases.
- Additional cashback on booking flights and hotels on Amazon.in.
Benefits:
- 2% return on gift cards and Amazon Pay purchases.
- Seamless connection to an Amazon Pay account.
Who should get this card:
- Frequent Amazon shoppers.
- Those who like cashback rewards.
- Fans of online payments.
2.IDFC FIRST Select Credit Card
Features:
- Premium lifestyle benefits with no annual fees.
- Travel-related benefits and trip cancellation insurance.
Rewards:
- Additional vouchers and rebates on EMI transactions.
- Incentives for both offline and online purchases.
Benefits:
- BOGO movie ticket specials, dining discounts, and airport lounge access.
- Comprehensive insurance coverage.
Who should get this card:
- Regular spenders who value reward points.
- Travel enthusiasts.
- People with a high credit score.
3.AU BANK LIT Credit Card
Features:
- Customizable features to suit your lifestyle.
- No membership or annual fees.
Rewards:
- Reward points and cashback for retail purchases.
- Higher rebates in specific categories.
Benefits:
- Prizes, memberships, and access to airport lounges.
Who should get this card:
- Customers seeking customization.
- Those who prefer cashback incentives.
- Returning customers.
Bottomline
Credit cards without annual fees offer a convenient way to enjoy perks without extra costs. Each card offers unique features and rewards to cater to different spending habits and lifestyles. Compare the offerings to find the best fit for your needs, whether it's dining discounts, travel benefits, or cashback rewards. Having the right credit card can enhance your banking experience and provide additional benefits.
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