Best Free Credit Cards You Should Apply In 2021 | With Zero Annual Fees

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Free Credit Cards

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The Best Credit Cards You Should Apply In 2021

Searching For Best Credit Cards? You’re In Absolutely Write Place.

1. Amazon Pay ICICI Bank Free Credit CardsFree Credit Cards

If you’re searching for credit with a Zero Annual Fee here is the best choice. The best part is one doesn’t need to pay any annual or renewal fee. Apart from these benefits, one gets Amazon Pay Cashback by applying for this card. Prime members get Rs.500 amazon pay cashback and non-prime members get Rs.300 as amazon pays cashback. You also get up to 5% cashback on every spends or purchase through it. You can go through the

Benefits Of Amazon Pay ICICI Bank Free Credit Cards

  • Zero annual fees or joining fee | Free Credit Cards
  • Zero caps on the reward points earned on the card
  • No expiry date for the reward points earned on the card
  • Reward points can be redeemed at more than 100 Amazon Pay partner merchants and Amazon. in
  • You’ll Get reward points of up to 5% on purchases – Exclusive for Amazon Prime members
  • Get reward points of up to 3% on purchases – For non-Amazon Prime customers
  • Also, Earn reward points of up to 2% on transactions made at more than 100 Amazon Pay partner merchants
  • Earn reward points of up to 1% on all other payments made using the Amazon Pay ICICI Bank Credit Card

Apply For Amazon ICICI Credit Card


2. AMERICAN EXPRESS PAYBACK CREDIT CARD

Free Credit Cards

The Best Part Of This Card its annual fee is too low. First Year Fee: Rs. 750 plus applicable taxes (Second Year onwards: Rs. 1,500 plus applicable taxes).

  • WELCOME GIFT
  • Get a Flipkart voucher worth Rs. 7503 on taking 3 transactions within 60 days of Cardmembership
  • EARN POINTS
  • Earn multiple Points from more than 50 PAYBACK partners2 and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
  • MILESTONE BENEFITS
  • Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 lacs in a Cardmembership year
  • You will earn a Flipkart voucher4 worth Rs. 2,000 on spending Rs. 1.25 lacs in a Cardmembership year. Additionally, you will earn a Flipkart voucher4 worth Rs. 5,000 on spending Rs. 2.5 lacs in a Cardmembership year.

APPLY FOR AMERICAN EXPRESS PAYBACK CARD


3. Flipkart Axis Bank Free Credit Cards

Free Credit Cards

Flipkart Axis Bank Credit Card unlocks a world where it rains cashback with every transaction. With accelerated cashback across all your favorite categories including travel, shopping, entertainment, and lifestyle, there’s no limit to what you can earn with this card.

Welcome Benefits | Free Credit Cards

Free Credit CardsMyntra 15% cashback up to Rs. 500 on your first transaction on Myntra using Flipkart Axis Bank credit card. For terms and conditions, click here for 15% cashback up to Rs. 500 on your first transaction on Myntra using Flipkart Axis Bank credit card. For terms and conditions

Attractive Welcome Gifts
  1. Rs.500 Off On Domestic hotels on Goibibo on minimum booking of Rs.2000
  2. Rs.500 Off On Domestic hotels on Makemytrip on minimum booking of Rs.2000.
  3. Get Rs.15% Cashback on Myntra on 1st transaction using Flipkart axis bank credit card etc.
  • Down Sides – Annual Fee Rs.500 + GST only reversed only if you spend 2 lakhs in Year.
  • Strong Sides
  1. 5% Cashback on Flipkart and Myntra.
  2. 4% Cashback on partner merchants.
  3. 1.5% Cashback on all other spendings.
  4. 4 Free Domestic Airport lounge access per year.

Apply For Flipkart Axis Bank Credit Card


4. SBI SimplyClick Credit Card

Free Credit CardsIt is recommended for shoppers. It gives good discounts and rewards on shopping. This Card is very good for beginners those who spend more on online shopping

Category – Shopping Card

  • Annual Fee – Rs.499
  • Renewal Fee – Rs.499
  • Welcome Gift – Get an Amazon gift card worth Rs 500 on joining
Strong Sides
  1. 2.5% value back on Amazon/BMS/cleartrip/Netmed
  2. 1.25% value back on other online spending or shopping
  3. 5% Extra Cashback on spending via SBI Yono (Amazon/Flipkart/etc)
Down Sides
  1. 10x & 5x reward points capping 10000 per month.
  2. Offline spending value cash 0.25%.

So I believe that the reward is a little less and the value back of just 0.25% On Offline spending is very less. so I recommended it would be good for beginners.

Apply For SBI SimplyClick Credit Card


5. HDFC BANK MILLENIA CREDIT CARD

Free Credit Cards

This credit card is really very good for those who spend a minimum of 1 lakh on online shopping, normal spending, and wallet loading.

HDFC Bank Millennia Credit Card Eligibility: For Salaried Indian national

  • Age: Min 21 yrs & Max 60 Yrs,
  • Income: Gross Monthly Income> ₹25,000

For Self Employed Indian national

  • Age: Min 21 yrs & Max 65 Yrs,
  • Income: ITR > ₹6.0 Lakhs per annum

Key Features | Good Points

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
  • 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
  • 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100)

Key Features | Bad Points

  1. One should have to spend a minimum of Rs.2000 to get cashback. Cashback is given Rs.750 for shopping, Rs.750 for online shopping, and Rs.750 for offline and wallet which I feel a little less.
  2. So for Redemption of points, one should have a minimum of 2500 points and points validity is for only 1 year. I think this is the major downside of this card.

Apply For HDFC BANK MILLENIA CARD


6. Axis Bank Ace Credit Card

Free Credit CardsWelcome to the world of unlimited cashback! This card becomes your everyday companion with accelerated cashback on all your spending, Free Credit Cards

Key Features | Good Points

  1. Get 5% Cashback on utility bill payment via google play.
  2. Get 4% Cashback on OLA, Swiggy, Zomato, etc
  3. 2% Cashback on another spending
  4. Also, Get 4 Free Domestic airports lounge access per year.

Key Features | Bad Points

Annual Fee Rs.499 + GST only reversed if you spend 2 lakh in a year. So the annual fee is good but the spending to reverse GST is a little high according to me.

Apply For Axis Bank Ace Credit Card


7. Amex Express Membership Reward Credit Card

Free Credit Cards

It has a good bonus and AMEX offer. A monthly bonus is very attractive and if you want to hold an Amex Credit card then MRCC is the best card.

Key Features | Good Points

  • If you use this card and do at least 4 transactions and each transaction is for a minimum of 1000 then you will get a 1000 membership reward bonus of up to 9.5%. Which is really very attractive.
  • Amex gives it extra offers from time to time every month.

Key Features | Bad Points

  • The Charge of the card is quite high. But if you join this card via referral link then charges may decrease.
  • No Lounge access facility on this card.

Apply For Amex Express Membership Reward Credit Card


10. Paytm SBI Credit CardFree Credit CardsThis Card is really good for online shopping users. It gives instant cashback on your Spend.

Key Features

  • Joining Fee: Rs. 499
  • Renewal Fee (per annum): Rs. 499
  • 3% Cashback on Paytm Mall, Movies, and Travel
  • 2% Cashback on all other purchases on Paytm App
  • 1% Cashback on any other spending across millions of offline and online stores
  • Get complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
  • Get an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 1,00,000 on your Paytm SBI Card
  • Cashback will not be applicable for spends done on any Wallet Load (Paytm or any other App) as well as fuel spends
  • All QR based transactions done through Paytm App using Paytm SBI Card will be categorized under the 1% Cashback category
  • Add-on Cards: With your Paytm SBI Card, you can empower your family with add-on cards for your parents, spouse, children, or siblings above the age of 18 years.

Apply For Paytm SBI Credit Card


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