Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee: In India, many credit cards offer attractive perks such as reward programs, cashback, travel benefits, fuel reserve funds, insurance facilities, etc.
Every person has a unique lifestyle, and their needs are also variable. One should choose the best card to meet their requirements to accomplish it. In the following article, there is a list of the top 10 credit cards, broken down into categories and parameters.
Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee
This will help people choose a valid credit card to offer more benefits and save money for their way of life. So below are the Top 10 credit cards in India easy to get.
1. Axis Bank ACE Credit Card
This card offers 5% cashback when the consumer uses Google Pay to pay their bills, and interestingly, there could be no upper or lower limit.
Whenever one uses Google Pay, they’ll likewise get a scratch card with an opportunity to win additional money. There is a 4% money back without a cap on Ola, Zomato, and Swiggy, just as a 2% money back on other installments made with this card.
Welcome offer :
Cashback of INR 500 given INR 10,000 spent in the initial 90 days.
Features and Benefits:
- On charge installments like power, gas, DTH, and cellphone re-energizes, you will get a 5% cashback. Cashbacks have no maximum amount.
- In accomplice eateries, you’ll get 20% cashback.
- There is no extra expense for petroleum.
- You will get four free domestic air terminal lounge visits at different domestic air terminals in a given year.
- Beyond what 2500 exchanges can be changed over to EMIs.
Renewal fee:
INR 499 + 18% GST is the joining charge. If you spend INR 10,000 within 45 days of accepting your card, there is no yearly charge. The annual amount is INR 499 or more, 18% GST. The yearly cost is postponed on a yearly spend of more than INR 2,00,000.
Eligibility to apply for the card:
Between the ages of 18 and 70, with confirmation of income.
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2. Flipkart Axis Bank Credit Card
This card accompanies lots of welcome advantages, and those benefits alone can take care of the expense of the card.
There isn’t much to pick either this card or the Axis bank Ace card, except the amount of inviting benefits. A 20% dining rebate is additionally fabulous. The best perspective is the unlimited money back.
Welcome offer
Flipkart coupons worth INR 500 and Myntra cashback of 15% up to INR 500 on your first purchase with the card.
Features and Benefits
- This card accompanies a vast number of welcome benefits.
- Food from partner restaurants is limited by 20%.
- Waiver of Fuel Surcharge Charges is accessible.
- In India, you can visit four air terminal lounges in a scheduled year.
- Gaana Plus has been accessible for INR 399 for quite some time.
- Plum Goodness is presenting a 20% rebate to INR 500.
- Flipkart 2GUD (Flipkart’s nearby element that puts well-known disconnected organizations and shopping centers online for its Indian clients) and Myntra both offer 5% money back.
Renewal fee
INR 500 + 18% GST is the joining fee. The annual fee is INR 500 plus 18% GST. If you spend INR 200,000 in a year, there is no yearly charge.
Eligibility to apply for the card
Between the ages of 18 and 70, with confirmation of income and address. “Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee”
3. SimplyCLICK SBI Credit Card
The SimplyCLICK Credit Card is a virtual point-based credit card for internet shopping that is more affordable than different cards in a similar classification. This card is reasonable for practically all significant shopping sites, and the reward focuses are also great.
Welcome offer
Buy an Amazon gift voucher. Whenever you register, you will get a welcome reward of INR 500.
Features and Benefits
- Whenever you spend INR 100 on online shopping, you will get INR 2.5
- On acquiring INR 100, you can procure repayments worth INR 1.50 on a web-based buying.
- Whenever you select, you will get an Amazon voucher worth INR 500, which will pay the charge.
- You can move from past cards to this one and pay a lower loan fee.
- Selective web-based accomplices like Amazon, Apollo 24X7, BookMyShow, Cleartrip, Dineout, Lenskart, and Netmeds offer 10X Reward Points on web-based buys.
Renewal fees
INR 499+charges are the joining fees, and the yearly renewal charge is INR 499+ taxes. But this charge invalidates a spend of INR 10,0000.
Eligibility to apply for the card
The candidate ought to be between the ages of 18 and 60. A salaried individual’s month-to-month pay should be INR 20000, though an independently employed individual’s per month pay should be INR 30000. “Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee”
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4. HDFC Millennia Credit Card (Top 10 Credit Cards In India Easy To Get)
New highlights have made the card easier to understand and gave it a new plan. The bank has cooperated with the absolute most notable brands in the market to offer Cash Points worth 5% of each buy, making it exceptional.
Welcome offer
If the consumer pays annual renewal fees, 1000 cashpoints are given as a welcome reward.
Features and Benefits
- The 5% CashPoints reward on renowned brands is an excellent arrangement.
- 1 INR is equivalent to 1 cashpoint. The conversion scale is INR 0.30 while involving CashPoints for some other exchange. CashPoints can be utilized at the end of the charging cycle to manage your Mastercard balance.
- Assuming a client loses their Credit Card, they should inform the bank within 24 hours by calling their call place, and there is no blame on the client’s part.
- A set number of foundations partake in the Good Food Trail Dining drive.
Renewal fees
Joining and annual renewal fees are the same. The amount is INR 1000, excluding taxes.
Eligibility to apply for the card
The age range for salaried individuals is 21 to 40, with a month-to-month pay of INR 35,000 and higher. As far as possible will be no different for independently employed, with a base yearly income of INR 6 lakh.
5. American Express SmartEarn™ Credit Card
That is the most affordable Amex card, and the characteristics are like those of the other fair cards we’ve talked about up until this point. This card has no lost card liability is the most attractive feature.
Welcome offer
On purchase of INR 10,000, you will receive a return of INR 500 within 90 days after the date of its issuance.
Features and Benefits
- Liabilities for lost cards are nothing.
- If you change your purchase to EMI, you’ll pay a 14% yearly financing cost.
- Replacement of an emergency card.
- The general prize point % is agreeable.
- In the wake of spending INR 1.20 lakh, INR 1.80 lakh, and INR 2.40 lakh in a card participation year, you’ll get an Amazon coupon worth INR 500.
- Users can pay for their bills in regularly scheduled payments (EMIs) with a 14% yearly financing cost and no abandonment charges.
Renewal fees
There is no need to submit any joining fees; the annual fee is INR 495+18% GST. There is no need to present an annual fee if you spend more than INR 40000 in the previous year.
Eligibility to apply for the card
It is available to people with an individual yearly pay of INR 4.5 lakh, and that’s just the beginning, just as independently employed people with an annual personal income of INR 6 lakh or more. “Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee”
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6. HDFC Regalia Credit Card
In this card, One fundamental element is the protection inclusion, which remembers INR 1 crore for unexpected passing in a plane accident assuming this Mastercard was utilized to book the tickets, and INR 15 lakh on occasion you are hospitalized while voyaging. This is an excellent arrangement.
Welcome offer
2500 reward points as a welcome reward. You get the same thing each time you pay the yearly participation expense. If the annual charge is deferred, you won’t get this benefit.
Features and Benefits
- Emergency abroad hospitalization coverage of INR 15 lakh is covered by insurance.
- Range of INR 9 lakh in liability insurance if your card is lost or stolen.
- Visits to 12 complimentary airport lounges inside India and six outside India as part of the Dineout Passport Membership.
- The markup on foreign exchange is only 2%.
Renewal fees
INR 2,500 as a joining expense +GST18%. And INR 2,500 for every annum + 18% GST; this cost is disposed of if you spend more than INR 3 lakh in the preceding year after getting the card and recharging it the following year.
Eligibility to apply for the card
The age range for salaried Indian nationals is 21 to 60 years of age, with a per month income of INR 70,000. For independent employees, age range 21 to 65 years, with per month income of INR 8.4 lakhs per annum.
7. SBI SimplySAVE Credit Card
This card is intended to address the issues of the organization’s young customers, who appreciate eating out, shopping, and heading out to shopping centers and cinemas consistently.
Welcome offer
If you spend INR 2,000 or more in the first 60 days, you’ll get a gift. 2,000 Reward Points that are added to your account as a bonus.
Features and Benefits
- 10X Reward Points are earned during offline purchases, equaling to INR 2.5 for every INR 100 spent.
- The best thing is that this promotion is valid for all forms of offline promotions.
- There is no limit to how many Reward Points you can earn.
Renewal fees
On joining, the fees should be INR499+taxes. Annual renewal fees are the same as joining. But if anyone has a yearly purchase of more than INR 1lakh, there is no need for annual payments.
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8. SBI Card PRIME (Top 10 Credit Cards In India Easy To Get)
Customers get welcome advantages in a similar sum as the enrollment cost. SBI PRIME, not at all like other premium Mastercards, might be more open to specific individuals.
Because SBI cooperates with VISA, Mastercard, and American Express, this card has three unique adaptations.
Welcome offer
Any of the following brands will send you an e-gift voucher worth INR 3,000. Aditya Birla Fashion, Pantaloons, Shoppers Stop are some of the most popular brands.
Features and Benefits
- Spending INR 100 on eating, staple, retail chains, and motion pictures will procure you INR 2.5.
- Assuming you spend INR 100 on any retail, you’ll get INR 0.5 back.
- It’s an exceptional achievement benefit after paying INR 50,000.
- The welcome gifts cover the joining expense.
Renewal fees
INR 2,999 as a joining fee at any applicable taxes. In India, the annual fee is INR 2,999+taxes. There is no annual fee on spending INR 3 lakh.
Eligibility to apply for the card
Salaried individuals ought to be between the ages of 21 and 55. It ought to be somewhere in the range of 21 and 70 years of age on the off chance that you are independently employed. “Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee”
9. RBL Bank ShopRite Credit Card
Rewards focused on this card can be recovered for cell phone recharges, and there are likewise rewards focused on fuel buys. A 10% rebate on motion pictures is additionally incredible.
Welcome offer
2,000 Reward Points. You should make a buy within 30 days of card issuance to recover your gifts.
Features and Benefits
- Waiver of the fuel overcharge is accessible.
- On the acquisition of fuel, you can acquire reward focuses.
- Whenever you utilize your card for food shopping, you will get 20 reward focuses for each INR 100 spent. In a month, you can acquire a limit of 1,000 prize places.
- BookMyShow offers a 10% cashback on film tickets 15 times each year.
- After selecting a film, you might get the proposal by going to BookMyShow and choosing RBL Bank 10% proposal under Mastercard offers and limits.
Renewal fees
There are no joining fees. The annual renewal fee is INR500+18% GST
Eligibility to apply for the card
Age 21 to 70 should have a standard type of revenue ought to have a base financial credit of 750.
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10. ICICI Coral Credit Card
The ICICI Platinum Chip Credit Card and the ICICI Bank Coral Credit Card are almost indistinguishable, except for a couple of additional advantages like admittance to prepare and air terminal lounges on the last option.
The bank regularly gives this card to its clients as a pre-supported Mastercard with no yearly charge or participation expense, making it a danger-free card to carry.
Welcome offer
There is no such welcome offer available.
Features and Benefits
- A single domestic train lounge visit per quarter is a unique feature
- On purchase of INR 100, you will receive 2 PAYBACK points.
- websites like Amazon and Tata Cliq, a unique online offer from time to time.
- On petrol, there are no PAYBACK points.
- With the ICICI Bank Coral Credit Card, you can get 2000 PAYBACK points for spending INR 2 lakh.
- A total of 10,000 PAYBACK points can be earned in this milestone reward program. After you’ve made 10,000 reward points, you won’t receive any more for the rest of the year.
Renewal fees
INR 500+GST excluded. And INR 500 for each annum + 5% GST. The yearly charge for the subsequent year is deferred off on a spend of INR 1.5 lakh in the earlier year.
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Conclusion (Top 10 Credit Cards In India Easy To Get)
These are the “Top 10 Premium Best Rewards Credit Cards In India 2022 Easy To Get with No Annual Fee” for people with a diverse range of economic backgrounds. It is easy to pick the right one according to your capabilities and needs in the above-detailed analysis.