Best Credit Card in India with No Annual Fee in 2018 2


People keep asking about “which is the best credit card in India with no annual fee and no joining fee?” or “which is the best credit card in India with no annual fee in 2018?” or “which is the best credit card with no annual fee in India 2018?” or “which is the best credit card rewards no annual fee?” or “which is the best credit card for travel rewards with no annual fee?” or “which is the best credit card with no annual fee and cash back?”Also at times looking to compare credit cards in India with its features and benefits before buying it. This has given me an opportunity to create an ultimate list of credit card with no annual fee India 2018 and best credit card in India with no annual fee and no joining fee based on its offers, reviews, ratings in India for 2018-2019 etc. From our our trusted audience and subscribers survey, reviews and feedback we have created this list of credit card with no annual fee India 2018. Hope you will like it. You can select one of the top best credit card in India with no annual fee and apply online for a credit card. Hope this benefits will help you to save money with proper planning.


Best Credit Card in India with No Annual Fee in 2018:

Let us further discuss about some of the best credit card in India with no annual fee and no joining fee in 2018-2019. Here we are going to showcase credit card with no annual fee in India 2018 with its salient features and present you the best credit card reviews from the survey, so that you are not misguided by any agents or any scheme masters.


1. SimplyClick SBI Card:

Wikipedia of Finance - Top Credit Cards - SBI Simply Click Credit Cardbest credit card with no annual fee in India for online shopping. This is very good credit card who loves to buy products from online stores. This credit card provides rewards and benefits for those persons who are looking for best credit card in India for shopping.

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Annual Fees: Rs. 499 (Annual fees can be waived off when spending more than or equal to Rs. 1 lakh per year.)

Key Benefits:

  • You earn welcome e-gift voucher card of amazon worth Rs. 500 along with this card.
  • You get 10x Reward points for shopping through online partners with this credit card like: Zoomcar, Cleartrip, Amazon, Bookmyshow, etc.
  • From this SBI Credit Card, you can earn 5x Reward points from all other shopping websites.
  • You get e-vouchers of Rs. 2,000 on every lakh rupee spend through this card annually.
  • Surcharge on fuel is been waived off when you spend on fuel between Rs. 500 – Rs. 3000.

You can fill the form via above link to get in touch with this credit card representative for further details and latest offers. Note that fill form does not mean you have to buy credit card. You can talk to sales executive and think before purchasing credit card.


2. Standard Chartered Super Value Titanium Credit Card:

Wikipedia of Finance - best credit card with no annual fee in India 2018 - 2019 - Apply for Standard Chartered Super Value Titanium Credit CardThis Standard Chartered Super Value Titanium Credit Card is again one of the best alternative for credit cards in India for fuel and utility bills.

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Annual Fees: For first year – Nil, from second year onwards Rs. 750 which can be waived off on spending more than Rs. 60,000 through this card.

Key Benefits:

  • When doing payment through this card you get 5% cashback on fuels, phone bills, utility bills, etc.
  • You also get 1,000 Reward Points when doing transactions within initial 60 days for card. Also 500 reward points as bonus on online banking registering.

If you are spending more than Rs. 5000 per month (i.e.. Rs. 60,000 per year) through this card then only I would suggest you to go for this card to get maximum benefits from it. You can register and apply for this card from the above link.


3. IndianOil Citi Platinum Card:

best credit card in India with no annual fee and joining fee - IndianOil Citi Platinum Card

IndianOil Citi Platinum Credit Card is another best credit card for fuel purchase and best credit card in India with no annual fee and joining fee on minimum spending. Also it is a best credit card with no annual fee and cash back. You earn turbo reward points on all categories of transactions. Check out the below features and benefits for this card.

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Annual Fees: Rs. 1,000/- (Annual fees is been waived off of minimum spending of Rs. 30,000 per year.)

Key Benefits:

  • Get 4 turbo points for every fuel spending of Rs.150 (1 Turbo Point = Rs 1.). Along with this, fuel surcharge is also been waived off.  With the total earnings of turbo point you can get maximum upto 71 litres of petrol free per year.
  • You earn 2 turbo points on transaction of Rs. 150 spent at groceries / departmental stores.
  • You also earn 1 Turbo Point on every Rs. 150 spending on Shopping / Dining and much more.

Once you fill the form, all the process will become more easier for you. Citi bank sales executive will give you a call back with complete details on offers. Then you can think to buy credit card or compare for other best credit card in India.


4. Standard Chartered Manhattan Credit Card:

best credit card in India with no annual fee 2018 - 2019 - 2020- Apply for Standard Chartered Manhattan Credit Card

If you are looking forward for the best card in India for shopping / grocery purchase / dinning out / cashback / reward points then Standard Chartered Manhattan Credit Card is the best from all.

Before writing this article we have taken the survey with our subscribers and found that out of 3 there is 1 who is holding Standard Chartered Manhattan Credit Card. This is the best credit card in India 2018 for salaried person. Check it out!

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Annual Fee: For first year is Rs. 499 then from second year is Rs. 999 only. But fee can be waiver off, if you use credit card for more than Rs. 30,000 for your spending.

Key Benefits:

  • This is the only credit card which is giving you 5% cashback on purchase of groceries from Departmental Stores / Super Market. For example: Big Bazaar, More, Reliance Fresh, etc.
  • You also get 5x Rewards points when paying for fuel bills, hotel / restaurant bills, airline tickets, etc. from this credit card.
  • You can also get maximum Rs. 500 every month as cashback when spending through Standard Chartered Manhattan Credit Card which is again one of the best feature I liked the most.

For any further queries, please fill the form from above link. The representative will call you to clear all your doubts.


Best Credit Card for Salaried Person in India 2018:

Apart from this best credit card in India with no annual fee and no joining fee in 2018-2019. There are few best credit cards for salaried person in India 2018, let us further discuss about them. Here we are going to showcase keeping aside credit card with no annual fee in India 2018 for some time and will focus on best credit cards for salaried person in India with its salient features and present you the best credit card reviews, so that you are not misguided by any agents or any scheme masters.


1. IRCTC SBI Platinum Card:

IRCTC SBI Platinum Card for Railway Ticket Booking - Apply Now

This card is globally accepted. One of the best credit card for railway ticket online booking in India. Also you can withdraw cash from over 1 million ATMs worldwide, including over 18,000 ATMs in India.

Customer Rating: Product - Customer - Rating 4.0 - Review 4.0 - Wikipedia of Finance (4 out of 5 Rating.)

Annual Fees: INR 300/-.

Key Benefits:

  • Welcome bonus Reward points of INR 350 on spending minimum of Rs. 500 within first 45 days.
  • You also get INR 100 cash back for your first cash withdrawal through ATM within 30 days.
  • You earn up to 10% as reward points on railway ticket online booking for all tier classes (1 Reward Point = Rs. 1). Also 1.8% of transaction charges is refunded to your account.
  • You earn 1 Reward point for all transactions of INR 125 (except fueling transactions With this card you can book your airline tickets at unbeatable prices with IRCTC website.
  • You can enjoy by not paying fuel surcharge across all petrol pumps in India, on transactions between INR 500 – INR 3,000. (Excluding GST and all other charges.)

Once you apply and fill the form. A representative from SBI credit card department will call you back with more information and latest offers.


 2. American Express MakeMyTrip Credit Card:

American Express MakeMyTrip credit card is also called as AMEX MakeMyTrip credit card which comes with enormous rewards and privileges. This fit as a best credit card in India for the ones who are travelling and booking hotels on the frequent basis and looking for great cashback.

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Annual Fees: For the first year is Rs. 750 and Rs. 1500 from second year onwards.

Key Benefits:

  • You get 5% cashback and 5 payback Points on every Rs. 100 spending on MakeMyTrip and 2 payback points for other purchases.
  • You also earn 3% cashback on fuel bills paying through this credit card.
  • There are some privilege benefits as well. You get Rs. 2000 voucher on Rs. 1.25 lakhs spending made at MakeMyTrip per year and Rs. 5000 voucher for spending more than Rs. 2.5 lakhs.

If you like travelling a lot, then you should surely apply for this card through the above link. There are other benefits as well which you can check it out across their website.


3. American Express Platinum Travel Credit Card:

Wikipedia of Finance - Best Credit Card in India - 2018 - 2019 - 2020 - Apply for AMEX Platinum Travel Credit CardAmerican Express Platinum Travel Credit Card is also known as AMEX Platinum Travel Credit Card. This card offer awesome benefits to travelers who are travelling frequently. For example: IndiGo Airlines, Taj Hotels, etc.

Customer Rating: Product - Customer - Rating 5.0 - Review 5.0 - Wikipedia of Finance (5 out of 5 Rating.)

Annual Fees: For first year Rs. 3,500 and Rs. 5,000 from second year onwards.

Key Benefits:

  • Joining bonus of 5,000 milestones reward points redeemable at IndiGo Airlines.
  • You earn more than Rs. 8,000 vouchers when spending Rs. 1.90 lakhs in year with IndiGo Airlines.
  • You get Rs. 12,000 IndiGo vouchers plus Rs. 10,000 Taj Group vouchers when spending more than Rs. 4 lakhs in a year through this credit card.

I would suggest you to apply for this card only when you’re travelling expenses are more than Rs. 1.5 lakhs annually.


4. American Express Gold Credit Card:

Wikipedia of finance - Best Credit Card for Salaried Person in India - Apply for American Express Gold Credit CardAmerican Express Gold Credit Card is also called as AMEX Gold Card. This Membership Rewards (MR) Points can be redeem at fabulous 18 carat gold collection and 24 carat gold collection.

Customer Rating: Product - Customer - Rating 4.5 - Review 4.5 - Wikipedia of Finance (4.5 out of 5 Rating.)

Annual Fees: For first year it’s Rs. 1,000 and then Rs. 4,500 from second year.

Key Benefits:

  • You get 4,000 as a Bonus Membership Rewards (MR) Points on using the Card 3 times during initial 60 days card.
  • You also earn 1,000 MR Points for using card 4 times on above transactions of Rs. 1,000 every month.
  • Get cashback of 3% across India exclusively on your fuel bills with this AMEX Card. Also 20% off at selected restaurants.
  • For every Rs. 50 spending you get 1 Membership Rewards (MR) Point except for payment at Insurance, fuel, cash transactions and utilities bills.
  • Enjoy benefits on your travel bookings with MakeMyTrip.com. Click here to register and explore the other features of this credit card.

Apart from this you also earn 5,000 MR Points on card annual fees for limited period. You can apply and discuss with customer care from above link.


Conclusion:

Here you have gone through the best credit card in India with no annual fee and no joining fee options from the list of available best credit card in India. After checking all the features, benefits and reviews one should be little cautious before choosing credit card. You should check the interest rates / credit period / repayment terms before taking the decision. Do not overload yourself with more than 3 credit cards, you can take this as a best credit card recommendation. If you can well manage your expenditure then making payments through credit cards is one of the best option to go for cashless economy.

Do share with us your feedback and comments on, which credit card you have applied for? or which best credit card in India with no annual fee and joining fee you have purchased? or which credit card with no annual fee in India 2018 you liked the most. Your feedback is valuable for us as well as our readers to get the correct and accurate information about the various products available under the section of credit card in India. Do write us, Thanks 🙂

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2 thoughts on “Best Credit Card in India with No Annual Fee in 2018

  • Jigar Maru

    I’ve read this post and I wish to suggest you, Maybe you can write next articles about virtual credit card referring this article. I desire to read even more things about it. I would be waiting for your article, please get back to me on this with valuable information.

    • WikiFinancepedia Team Post author

      Thanks for your valuable feedback. Please check Best Virtual Credit Card Providers in India. This will give your right information on why to choose VCC (virtual credit card) and what is the main purpose of it, why it is getting famous and used frequently by end users. Hope this will be value addition for you and for other readers as well. Thanks 🙂