Best Free Credit Card in India 2024

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In 2024, choosing the best credit card can significantly enhance your financial management and lifestyle. With numerous options available, finding a credit card that offers great benefits without any annual fee is a boon. This guide will help you discover the best free credit cards in India for 2024, focusing on their benefits, features, and credit limits.

1. SBI SimplySAVE Credit Card

Features:

  • Annual Fee: No annual fee
  • Welcome Benefits: Rs. 100 cashback on your first ATM withdrawal within 30 days of receiving the card
  • Rewards Program: 10X rewards on dining, movies, grocery, and department store spends
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver at all petrol pumps across India
  • Credit Limit: Typically ranges from Rs. 20,000 to Rs. 5,00,000 based on the applicant’s income and credit score

2. HDFC MoneyBack Credit Card

Features:

  • Annual Fee: Waived for the first year; subsequent years waived on spending Rs. 50,000 annually
  • Rewards Program: 2 reward points for every Rs. 150 spent, 2X reward points on online spending
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver
  • Cashback: Rewards points can be redeemed as cashback
  • Credit Limit: Usually between Rs. 25,000 and Rs. 5,00,000 based on the applicant’s profile

3. ICICI Amazon Pay Credit Card

Features:

  • Annual Fee: No annual fee
  • Welcome Benefits: Rs. 750 cashback on your Amazon Pay balance
  • Rewards Program: 5% cashback on Amazon.in for Prime members, 3% for non-Prime members, and 2% on Amazon Pay partner merchants
  • No Expiry on Reward Points: Rewards do not expire and can be used for future purchases
  • Credit Limit: Varies from Rs. 20,000 to Rs. 3,00,000 depending on the applicant’s financial status

4. Axis Bank Neo Credit Card

Features:

  • Annual Fee: Waived if annual spends exceed Rs. 2,500
  • Welcome Benefits: Vouchers worth Rs. 500 from various brands
  • Rewards Program: 2 reward points for every Rs. 200 spent, special discounts on movie tickets and online shopping
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
  • Credit Limit: Generally ranges from Rs. 15,000 to Rs. 4,00,000

5. Standard Chartered Platinum Rewards Credit Card

Features:

  • Annual Fee: No annual fee for the first year; waived from the second year onwards on spends exceeding Rs. 30,000 per year
  • Welcome Benefits: 1,000 reward points on your first transaction within 60 days
  • Rewards Program: 5 reward points for every Rs. 150 spent on dining and fuel, 1 reward point for other spends
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000
  • Credit Limit: Typically between Rs. 30,000 and Rs. 6,00,000

Conclusion

Choosing the right credit card can make a significant difference in managing your finances efficiently. The aforementioned credit cards offer a plethora of benefits, from cashback to reward points, without any annual fees. The credit limits vary based on your income and credit score, ensuring that you have the financial flexibility you need. When selecting a credit card, consider your spending habits and financial goals to make the most of the available benefits.

By opting for one of these best free credit cards in India for 2024, you can enjoy a wide range of perks without worrying about annual fees, making your financial journey smoother and more rewarding.

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Matthew Evans writes articles focused on shift scheduling, time and attendance tracking, payroll processing, and other workforce management topics for Kaiser Permanente's employee scheduling website https://kpschedule.pro. He draws on over 7 years of experience in implementing scheduling software and advising healthcare organizations on best practices.

Before joining the Kaiser Permanente team, Matthew worked as a scheduling consultant for hospitals across California. He has overseen scheduling system rollouts and process improvement initiatives at large health networks in Los Angeles, San Francisco, San Diego, and other major cities.

When he gets a break from writing, Matthew enjoys taking advantage of the great hiking trails near Kaiser Permanente headquarters at:
One Kaiser Plaza
Oakland, CA 94612
United States

Matthew currently lives with his family in Concord, CA. He can be reached at [email protected] for any questions related to his articles on shift scheduling, attendance tracking, payroll, staff management, and other relevant workforce topics covered on https://kpschedule.pro