Welcome to the world of “Credit Cards” blogs! Here, you’ll discover a treasure trove of personalized information, tailored tips, and expert advice all about credit cards. Whether you’re a rookie cardholder, a savvy user, or someone striving to improve their credit score, these blogs are your go-to resource.

Immerse yourself in a wealth of topics within this vibrant category. From selecting the perfect card for your unique needs to unraveling the intricacies of different card types (think rewards, cashback, travel, and more), you’ll find insightful reviews, detailed comparisons, and helpful breakdowns of fees, rewards programs, interest rates, and every fine print detail you need to know.

But that’s not all! These blogs go the extra mile by sharing insider strategies for maximizing rewards and cashback, enabling you to make the most of your credit card experience. They’ll guide you on responsible spending, offer smart budgeting tips, and even reveal secret hacks to boost your credit score. Stay updated on the latest security measures and fraud prevention techniques to keep your personal information safe while enjoying the convenience of credit cards both online and offline.

At their core, these blogs are more than just credit card enthusiasts; they’re advocates for your financial success. They empower you to take control of your money, showing you how to make informed decisions, save smarter, and plan for a brighter financial future. They understand that credit cards are just one piece of the puzzle, and they’re committed to providing comprehensive guidance on all aspects of personal finance.

So, buckle up and embark on an exciting journey through the realm of “Credit Cards” blogs. With their personalized touch and tailored insights, you’ll be equipped with the knowledge and tools necessary to navigate the complex world of credit cards and emerge as a savvy and financially empowered individual. Get ready to unlock the potential of your credit cards like never before!

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Best Benefits of HDFC Indian Oil Credit Card in 2024

Here is another credit card that is none other than HDFC Indian Oil Credit Card. This card offers major benefits in the fuel category. If you are a bike owner or car owner, this card brings flexible benefits to your transactions specifically with Indian Oil Corporation Outlets.

There was a time when I used to transact with cash in our nearest Indian Oil petrol pump. Now is the time when I do my own transactions with either HDFC Indian Oil Credit Card or by Extra Rewards Points.

You can also avail up to 50 free liters of fuel annually if you know the smart tactics to use this credit card.

Now you may ask the question to yourself that you have heard about Reward Points, But what is this Extra Reward point all about?

Let me tell you. Extra reward points program is all about getting benefits from multiple sources in the form of Extra reward points and redeeming those points here in Extra Reward program by Indian Oil Corporation Limited.

So let us discuss What are the main features and benefits of having HDFC Indian Oil Credit Card inside your pocket.

Key Highlights of the HDFC Indian Oil Credit Card

The HDFC Indian Oil Credit Card is sul=itable for frequent onroad travellers. Here is the key details of this card. This provides main benefits in terms of fuel and other online and offline transactions.

  • Suitability : For fuel transactions
  • Joining Fees : Rs. 500/-
  • Key Benefit : Get 5% back on fuel transactions on any Indian Oil Outlets as “fuel points”

Indian Oil Credit Card HDFC Features and Benefits

  • Redeemable points: You can get 5% of your fuel expenses
  • Popular Benefit: For groceries and bill payments you can earn up to 100 points per every month
  • Fuel Cost Waiver: If you spend 400 or more your 1% fuel surcharge can be waived off
  • Redeemable Fuel Points: You can redeem your fuel points as catalogue purchases or as rebates or you can also redeem your fuel points as cash back.

HDFC IndianOil Credit Card Charges and Fees

  • Joining Fee: 500 INR
  • Renewal Fee: 500 INR
  • Interest Fee: 3.60% per month

In case of annual fees, if you spend 50000 in the entire previous year your annual fees will be waived off.

IndianOil HDFC Bank Credit Card Eligibility

  • Salaried: You have to be 21-60 years of age range and salary should be minimum 10K per month.
  • Self Employed: You have to be in the age range of 21-65 years old and earning per year should be in 6 lakhs range.

Documents Required to Apply for the IndianOil HDFC Bank Credit Card

  • Address proof: Ration card/voter card/passport/aadhaar card
  • ID Proof: Passport/Driving License/Aadhaar card
  • Income Proof: Salary Slip/IT return/Form 16

HDFC Indian Oil Credit Card Apply Process

  • Online Process: You can apply from HDFC Bank website direct link
  • Offline process: Please visit your nearest branch of HDFC Bank to apply offline. Don’t forget to mention there that you want to apply for HDFC Indian Oil Credit Card as you match your needs with this type of fuel credit card.

Conclusion:-

As I am having my own HDFC Indian Oil Credit Card and this is my first choice in terms of fueling. Even I use my own card sometimes for my closest friend’s fuel transactions. This card is every much useful in my case. To learn more about fuel cards from axis bank, you can go through this article from cashbabu. If you feel that you are also a frequent traveller in your town or if you are a commercial vehicle owner or a personal bike owner it is your next best friend while travelling around your town.

FAQs:-

1. How can I apply for HDFC Indian Oil Credit Card?

To apply for HDFC Indian Oil Credit Card you can go to your nearest HDFC Branch or you can directly apply from the HDFC BANK’S CREDIT CARD apply website link.

2. Can we use HDFC Indian oil Credit Card for shopping?

Yes, we can use this card for online shopping. At the same time we can get some value back in terms of reward points.

3. Can I withdraw cash from my HDFC Indian oil credit card?

Yes. You can withdraw cash from this card. However cash withdrawal system is chargeable by the bank and it is known as cash advance charge for the credit card. This charge is 2.5% per transaction or 500 whichever is higher will be added in the next billing statement.

4. How can I earn free fuel of 50 Litre per year?

Based on the maximum fuel points that can be earned in a month one card holder can end up by utilising free 50 litres of fuel per year. This rewards are available on both rupay and visa credit card platforms.

5. How do I redeem my Indian Oil Points?

Your Indian Oil HDFC Credit card points as fuel points can be redeemed in two steps if you would like to redeem it in IOCL fuel stations. In step 1 you have to create an account with extra reward program offered by Indian Oil Corporation Limited. Then in the second step you have to redeem your fuel points in extra reward program and there you will get the extra reward points which you can redeem in any IOCL Outlets.  1 Extra Reward Point is equal to 30 paisa.

 

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Best Fuel Benefits with Indian Oil Axis Bank Credit Card 2023

Introducing the Indian Oil Axis Bank Credit Card, an unparalleled financial companion that transcends mere transactions to offer a realm of exclusive benefits and substantial savings. This credit card isn’t just a means of payment; it’s a gateway to a world of perks designed to elevate your everyday expenses while maximizing your savings potential.

Designed for the savvy spender, the IndianOil Axis Bank Credit Card isn’t solely about convenience; it’s a strategic tool that puts your expenses under your control. Imagine the satisfaction of significant savings every time you fuel up, as this card unlocks exclusive discounts and rewards specifically tailored for gasoline bills. But that’s just the beginning.

Beyond fuel savings, this credit card transforms everyday purchases into opportunities for added benefits. From groceries to dining, travel to entertainment, it seamlessly extends its advantages to various facets of your life. The expedited reward points system ensures that every swipe translates into tangible benefits, bringing you closer to your aspirations with each transaction.

One of its standout features lies in the surcharge waivers, alleviating the burden of additional fees commonly associated with credit card transactions. This not only simplifies your spending but also adds substantial value to each purchase, making your expenses more rewarding than ever before.

Furthermore, the Axis Bank IndianOil Credit Card isn’t limited to a single domain. It extends its advantages beyond fuel-related expenses, catering to diverse needs and offering a comprehensive suite of benefits in different realms. Whether it’s lifestyle privileges, travel perks, or financial management assistance, this credit card emerges as your trusted companion, empowering you to navigate life’s expenses with ease and confidence.

Key Highlights of Indian Oil Axis Bank Credit Card

 

Perfect for Fuel Expenses
Joining Fees Rs. 500
Annual Fees Rs. 500
Axis Bank Indian Oil Credit Card Reward Points 4% cashback on fuel purchases at Indian Oil pumps.

 

Axis Bank Indian Oil Credit Card Benefits and Features

  • Welcome benefits include an Rs. 500 Amazon voucher and 100% cashback (up to Rs. 500) on all fuel transactions made within the first 30 days of card issuance. This welcome deal is only available for a short time.
  • Reward Points: Indian Oil Axis Bank Credit Card offers the following reward rates across various categories: – 20 Edge Awards for every Rs. 100 spent at IOCL petrol pumps (for transactions up to Rs. 5,000 every month). – 5 Edge Points for every Rs. 100 spent online.
  • Get one Edge Reward Point for every rupee spent elsewhere.
  • Movie Benefits: BookMyShow offers a 10% discount on movie ticket bookings.
  • Fuel Surcharges Waiver: All fuel transactions between Rs. 200 and Rs. 5,000 are waived off from the 1% fuel surcharge (maximum waiver up to Rs. 50 per month).

 

Indian Oil Axis Bank Credit Card Charges And Fees

The most prominent Axis Bank Indian Oil Credit Card Fees are

 

Type of Charge Amount
Joining Fees Rs. 500
Annual Fees Rs. 500
Interest Rate  49.36% p.a
Late Payment
  • Nil for amounts less than Rs. 500.
  • Rs. 500 for amounts ranging from Rs. 501 to Rs. 5,000.
  • Rs. 750 for amounts ranging from Rs. 5,000 to Rs. 10,000.
  • Rs. 1,200 for amounts greater than Rs. 10,000.

 

Eligibility for Indian Oil Axis Bank Credit Card

The requirement for Indian Oil Axis Bank Credit Card is mentioned in the below table.

 

Age 18 to 70 Years of Age
Occupation Salaried or Self-employed 

 

Documents Required to Apply for the Indian Oil Axis Bank Credit Card

Required Documents are as followed :-

  • Proof of Address: Ration, Passport, Voter ID, Aadhaar.
  • Proof of Income: Pay Slip, ITR, Form 16.
  • Proof of Identification: Passport, Aadhar, Driver’s License, PAN.

 

How Can You Apply for the Indian Oil Axis Bank Credit Card?

If you want this credit card, you will have to follow the steps mentioned below-

Step 1: You will have to visit the official website of Axis Bank.

Step 2: Navigate to the Apply section and chose the desired card.

Step 3: Now, choose the apply option and enter all your details.

Step 4: Once the details have been entered, click on submit, and the bank will get in touch with you.

 

Similar Credit Cards

 

Credit Card Name Fees Feature
HDFC Bharat Cashback Credit Card Rs. 500 5% off petrol, IRCTC ticket, groceries, bill payments, and cellphone recharges.
ICICI Bank HPCL Coral Credit Card Rs. 199 For fuel purchases at HPCL pumps, you will receive 2.5% cashback and a 1% fuel surcharge reduction.
Indian Oil Citi Platinum Credit Card Rs. 1,000 Every Rs. 150 spent at Indian Oil gasoline stations earns you 4 Turbo points.
Indian Oil HDFC Bank Credit Card  Rs. 500 5% of your purchases are gasoline points at IndianOil locations.
SBI BPCL Credit Card Rs. 499 In BPCL gas pumps, 13X reward points are equivalent to 4.25% value back.

 

In the meantime you can also read our content on the topic No Annual Fee Credit Cards. These cards are meant for beginners who want to opt for first credit card.

Other Axis Bank Credit Cards

 

Flipkart Axis Bank Credit Card  Axis Bank Privilege Credit Card 
IndianOil Axis Bank Credit card  Axis Bank Select Credit Card
Axis Bank MY Zone Credit Card  Axis Bank Neo Credit Card
Axis Bank Vistara Credit Card Axis Bank Reserve Credit Card
Axis Bank Magnus Credit Card  Axis Bank AURA Credit Card

 

FAQs

Can I use the Indian Oil Axis Bank Credit Card internationally?

Yes, this credit card is globally accepted, allowing you to make purchases and transactions internationally. However, please note that certain charges, such as foreign currency markup fees, may apply for international transactions.

Does this credit card offer any travel benefits?

Yes, apart from fuel-related advantages, this card provides travel benefits such as lounge access at selected airports, travel insurance coverage, and discounts on specific travel bookings.

What is the interest-free period offered with this credit card?

The interest-free period on this credit card is up to 50 days, provided the outstanding balance is cleared in full by the due date.

Can I transfer the outstanding balance from another credit card to the Indian Oil Axis Bank Credit Card?

Yes, you can transfer the outstanding balance from other credit cards to this card through a balance transfer facility. However, please note that a nominal processing fee may be applicable.

Is there a cash withdrawal limit on this credit card?

Yes, cash withdrawal limits are applicable to this credit card. The limit is usually a percentage of the overall credit limit assigned to the card. Cash withdrawal may also incur charges and interest from the date of withdrawal.

What is the process for upgrading or downgrading the credit card variant?

Upgrading or downgrading your credit card variant can usually be done by contacting the Axis Bank customer service helpline or visiting the nearest branch. There might be specific criteria and conditions for such changes.

How do I check my credit card statement and outstanding balance?

You can easily check your credit card statement and outstanding balance through Axis Bank’s internet banking portal or mobile app. Alternatively, you can also receive monthly statements via email.

Are there any special dining privileges offered with this credit card?

Yes, this credit card often provides dining offers and discounts at selected partner restaurants. These offers can vary and are periodically updated.

Can I convert big-ticket purchases into EMIs (Equated Monthly Installments)?

Yes, the IndianOil Axis Bank Credit Card offers the facility to convert significant purchases into easy EMIs. However, this is subject to specific terms and conditions.

What should I do if my credit card is lost or stolen?

In case of loss or theft, immediately notify Axis Bank’s customer service helpline to block the card. They will assist you in the process of card replacement and safeguarding against any unauthorized transactions.

What Papers must be presented to apply for an Indian Oil Axis Bank Credit Card?

To apply for this Credit Card, you must provide scanned copies of your PAN card, Aadhar card, passport, government ID proof, driving license, utility bills, most recent pay stubs, and form 16.

Is the Indian Oil Credit Card of Axis Bank appropriate for online purchases?

In addition to being a fuel credit card, this card offers incentives while purchasing online. Get 1% value back by accumulating five reward points for every Rs. 100 spent on online shopping. However, this only applies to online transactions between Rs. 100 and Rs. 5,000.

Where can this credit Card’s reward points be redeemed?

You can redeem your reward points through the Axis Bank website or the mobile app’s rewards catalog..

What is the Indian Oil Axis Bank Credit Card annual fee?

This credit card has an Rs. 500 application fee..

What exactly is a waiver of the fuel surcharge?

For all purchases done with this card, the fuel surcharge of 1% of your fuel purchase is eliminated. The minimum purchase amount to quality for this waiver is Rs. 200, with a maximum purchase amount of Rs. 5,000.

If you would like to know more about applying Indian Oil Axis Bank Credit Card then please go to the official website of the bank from here.

 

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Fuel Your Finances with BPCL SBI Card OCTANE: A Detailed Review 2024

The BPCL SBI Card Octane stands as a premium offering within the spectrum of co-branded credit cards, representing an elevated tier from its predecessor, the BPCL SBI Card.

This distinct card is meticulously crafted to cater to the specific needs of individuals whose routine expenses primarily revolve around fuel purchases, especially at Bharat Petroleum Gas stations.

A standout feature of this card is its remarkable 7.25% cashback reward on fuel expenditures made exclusively at selected BPCL outlets. However, its appeal extends beyond mere petrol savings, offering an array of accelerated returns across diverse spending categories like groceries, entertainment, and dining experiences.

This multifaceted benefit structure positions the BPCL SBI Card Octane as a versatile financial tool, amplifying savings on various essential and leisurely expenditures.

If a significant portion of your monthly budget is allocated to petrol purchases, particularly at BPCL outlets, this card emerges as an astute choice, promising not just substantial savings but also catering to broader spending needs with its diversified rewards program.

With its emphasis on fuel benefits combined with enticing rewards across other essential categories, this card presents an enticing proposition for those seeking to optimize their expenses and derive maximum value from their card usage.

Key Highlights of BPCL SBI Card Octane

This credit card is well-suited for individuals who heavily rely on fuel expenses in their daily lives. With an annual charge of Rs. 1,499 and similar joining charges, the card offers a compelling incentive with a noteworthy 7.25% value back on fuel spending. This generous reward system ensures that users can make substantial savings on their fuel purchases, making it an attractive choice for those seeking to optimize their spending on fuel-related expenses.

SBI BPCL Octane credit card Features and Benefits

  • The SBI BPCL Octane credit card features and benefits are listed below-
  • As a welcome perk, you’ll admit 6,000 perk RPs upon payment of the periodic class cost.
  • SpendingRs. 100 on energy at BPCL refill stations earns you 25 price points( maximum 2,500 price points per month).
  • Ten points for everyRs. 100 spent on grocery, department stores, and cinema tickets( maximum 7,500 price points per month).
  • Renewal charge waived ifRs. was spent in the former time.
  • One price point for everyRs. 100 spent on other retail purchases, banning mobile portmanteau uploads andnon-BPCL energy stations.
  • All petrol transitions up toRs. 4,000 are pure from the 1 energy cargo.
  • One lakh in complimentary fraud liability content.
  • 4 complimentary domestic chesterfield visits per time( 1 per quarter).
  • For an periodic expenditure ofRs. or further, Aditya Birla Fashion, Yatra, Urban Ladder, Hush Puppies, or Bata will give you aRs. 2,000 gift testimonial.

Annual Fee and Charges of BPCL SBI Card Octane

The SBI BPCL Octane credit card offers a tailored fee structure and diverse features catering to various spending habits. For applicants eyeing this card, it’s imperative to understand its fee breakdown. The joining and renewal fees stand at Rs. 1,499 each, while finance charges are set at 42% p.a. Late payment fees range from Rs. 500 to Rs. 1,300, depending on the outstanding amount.

Eligibility Criteria:-

Eligibility criteria encompass an age bracket of 21 to 70 years and are open to both self-employed individuals and salaried personnel.

Required Documents to Apply for BPCL SBI Card OCTANE

Necessary documents include ID proofs like Voter ID, Aadhar Card, and Driver’s License, along with income proofs such as ITR, Form 16, and Salary slips, as well as address proofs like Passport, Ration Card, Voter ID, and Aadhar Card.

Application Process for BPCL SBI Card OCTANE

The application process for the BPCL SBI Card Octane is convenient, offering offline submission by visiting nearby SBI branches or opting for an online application through the official website or via ELA, the website’s chatbot.

Moreover, this card boasts a fuel surcharge waiver of 1% at BPCL fuel stations on transactions up to Rs. 4,000, with a maximum waiver of Rs. 100 per statement cycle. Additionally, an annual fee waiver of Rs. 1,499 is granted if annual spending surpasses Rs. 2 lakh. Understanding payment methods, credit limits, and the diverse range of similar credit cards can significantly enhance your credit card experience, providing avenues to maximize rewards and benefits tailored to your lifestyle and preferences.

The fee structure for the SBI BPCL Octane credit card is delineated as follows:

– Joining Fees: Rs. 1,499
– Renewal Charges: Rs. 1,499
– Finance Charges: 42% p.a
– Late Payment Charges:
– Rs. 500 to Rs. 1,000: Rs. 400
– Rs. 1,000 to Rs. 10,000: Rs. 750
– Rs. 10,000 to Rs. 15,000: Rs. 950
– Rs. 25,001 to Rs. 50,000: Rs. 1,100
– Above Rs. 50,001: Rs. 1,300

These charges are pertinent to individuals considering the SBI BPCL Octane credit card and serve as a guideline for understanding the financial implications associated with the card membership. The joining and renewal fees, coupled with the finance charges, delineate the initial and ongoing financial commitment, while the late payment charges vary based on the outstanding amount. It’s crucial for prospective cardholders to consider these fees comprehensively, aiding in informed decision-making and ensuring responsible usage to avoid unnecessary penalties or charges.

Similar Credit Cards:

Comparison of Similar Fuel Credit Cards:

1. SBI BPCL Credit Card

– Features: Earn 4.25% cashback on fuel purchases exclusively at BPCL stations.

2. HDFC Bharat Cashback Credit Card

– Features: Offers a 5% rebate on monthly gasoline expenses across various fuel stations.

3. Indian Oil Axis Bank Credit Card

– Features: Avail a 4% cashback on fuel transactions at Indian Oil Corporation Limited (IOCL) outlets.

4. Indian Oil HDFC Bank Credit Card

– Features: Gain 5% of fuel purchases as fuel points specifically at Indian Oil outlets.

Each of these credit cards comes with distinct benefits tailored for fuel-related expenses, ranging from cashback offers to rebates and points accumulation. Understanding the unique perks and rewards associated with these cards can assist you in selecting the one that aligns best with your spending patterns and preferences.

You May also Like To Read :-

11 Best No Annual Fee Credit Cards in India

Conclusion:-

In conclusion, the BPCL SBI Card OCTANE emerges as a game-changer in the realm of credit cards, particularly for those seeking to optimize their financial outlays, specifically in fuel expenses.

As highlighted in this comprehensive review of 2024, this card stands out with its exceptional 7.25% cashback offer on fuel purchases at select Bharat Petroleum Gas stations, setting it apart as an ideal choice for individuals who frequently refuel at BPCL outlets.

Beyond its impressive fuel benefits, the card’s accelerated rewards program spanning various essential categories like groceries, entertainment, and dining further solidifies its value proposition, catering to a diverse array of spending needs.

As you navigate your financial landscape, consider the BPCL SBI Card OCTANE as a robust tool to fuel not only your vehicle but also your financial prosperity.

With its multifaceted rewards and tailored perks, this card proves to be a strategic asset in maximizing savings and enhancing your overall spending experience. Choose wisely, fuel your finances, and elevate your financial journey with the BPCL SBI Card OCTANE in 2024 and beyond.

Certainly, here is the revised content for the FAQs section:

Frequently Asked Questions:

1. Is there a fuel surcharge waiver available with the SBI BPCL Octane Credit Card?

Absolutely, this credit card allows a complete waiver of the 1% fuel surcharge at all BPCL fuel stations for transactions up to Rs. 4,000. However, please note that there’s a maximum waiver limit of Rs. 100 per statement cycle.

2. What is the credit limit available on the BPCL SBI Octane Card?

Upon reviewing your application, the bank will provide information regarding your SBI BPCL Octane credit card limit. This limit is determined based on various factors including your credit score, annual income, payback capacity, and other relevant considerations. Therefore, your credit limit will be disclosed only after successful verification.

3. How do I make a payment on my BPCL SBI Octane Card bill?

You have the convenience of paying your credit card bills both online and in person at the bank. Online payment options include NEFT/RTGS, PayNet UPI, mobile banking, NACH, and the mobile app. Additionally, you can make payments in person at any nearby branches using a cheque or cash for your SBI Credit card bill.

4. How do I get a BPCL SBI Card, Octane?

The application process for this credit card is available both online and in person. To apply online, visit the SBI Card’s official website and complete an application form. Alternatively, you can visit the nearest bank location and discuss the application process with an executive. In both cases, supporting documentation is essential to obtain this credit card.

5. Is the BPCL SBI Card Octane subject to an annual fee waiver?

Yes, if your annual spending exceeds Rs. 2 lakh, the annual charge of Rs. 1,499 will be waived for the subsequent year.

Are you in a mood to apply for this SBI Fuel card? Then no need to hurry. Just click here to go to apply section.

 

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Maximize Your Shopping Experience with SBI Simply Click Credit Card Benefits

The “SBI Simply Click Credit Card Benefits” are awesome. It is a feature-rich credit card offered by the State Bank of India (SBI). It is specially designed for avid online shoppers, providing them with numerous benefits and rewards for their e-commerce transactions. With accelerated reward points on online spends, exclusive access to online offers and a user-friendly redemption process, this credit card aims to maximize the shopping experience and save money while making online purchases.

Overview of SBI Simply CLICK Credit Card

If you want to get 10X reward points on online spends with special merchandise partners in dining, Grocery and movie spends, then SBI Simply click credit card is one of the best option for you. You can redeem your reward points from attractive options from a range of categories like travel, premium merchandise and much more. It has flexible reward redemption program. Let’s explore more about simply save sbi credit card

SBI Simply CLICK Credit Card Benefits

Welcome gift

Get amazon gift card worth rs. 500 on spending the joining fee Rs. 499/-

You can simply convert this gift card amount as amount of amazon pay balance and use in shopping or bill pay of any type. This is very helpful. I utilised my gift card amount in this way only.

E-shopping Rewards

  • Get 10X reward point on online spending with exclusive partners BookMyshow/ Apollo24X7/ ClearTrip/ Eazydiner / Lenskart / Netmeds
  • Get 5X reward Points on all other spends.

Milestone Rewards

  • Get an eVoucher worth Rs. 2000 on annual spend of Rs. 1 lakh
  • Get another eVoucher worth Rs. 2000 on annual spend of Rs. 2 lakh

Fuel surcharge waiver

Get 1% fuel surcharge waiver on every transaction between 500-3000

Annual Fee Reversal

Waive your annual fee of Rs. 499/- by spending Rs. 1 lakh in the previous year.

Contactless Technology

Just wave your card to get the no contact transaction benefit from your SBI Simply Click Credit Card.

SBI Simply CLICK Credit Card Annual Fee

Rs. 499/- (waived off if you spent 1 lakh in the previous year)

There is also another card by SBI cards that has same annual fee. That is none other than SBI simply Save Credit Card. Here is a quick link to check more details about Simply save SBI Credit Card credit card .

Eligibility Criteria for SBI Simply CLICK Credit Card

  • You must be a salaried or self-employed and withdraw a stable salary
  • You have to be over 18 years of age
  • You must be able to demonstrate a stable credit history

SBI Simply CLICK Credit Card – Documents required

  • Address proof- Passport / Driving License / Aadhar card
  • ID Proof-PAN/Aadhar/Passport
  • Income proof- Bank statement/IT return/form 16
  • PAN Card
  • Passport size photograph

SBI Simply Click Credit Card Charges and Fees

SBI Simply CLICK Credit Card Review

By swiping your SBI Simply click credit card you get a chance to get reward points every single time. You can redeem those reward points in categorized merchandise very easily.

Drawbacks of SBI Simply CLICK Credit Card

SBI Simple Click Credit card is a very simple yet attractive card. It provides simple features and benefits. If you would like a better card in this price range or lower range you can also get that. But some of the drawbacks of  Simply Click credit cards are as follows.

  • Limited options for reward redemption
  • The array of collaborative brands under the accelerated earnings is not impressive.
  • Online shopping benefits come in the form of rewards are not that much valuable than that of cashback cards like Axis Ace, Amazon Pay ICICI bank card

Similar Credit Cards to SBI Simply Click Credit Card Benefits You Can get

Other SBI Credit Cards

Conclusion:-

SBI Simply Click Credit Card stands as an excellent choice for modern-day online shoppers seeking to enhance their shopping experience and maximize savings. With its accelerated reward points on e-commerce transactions, exclusive access to online offers, and user-friendly redemption process, the card offers a plethora of benefits. Moreover, its low annual fee feature adds to its appeal, making it a cost-effective and rewarding financial tool. Whether you’re shopping for fashion, electronics, or booking travel online, this credit card empowers you to earn more, save more, and enjoy a seamless and delightful shopping journey. With the SBI Simply Click Credit Card in your wallet, you can shop smarter and unlock a world of exciting possibilities with every click.

SBI Simply CLICK Credit Card Benefit Related FAQ:-

What is the maximum cash advance limit in SBI Simply Click credit card?

The max limit is 80% of the credit limit or max 12000 capping per day.

Is it compulsory to use your credit card every month?

No. But if you don’t use it for a long haul it is going to incur some extra charges. So my advice will be to use it for small amount of transactions every couple of month.

Can I overpay my credit limit?

Yes you can. But that hampers your credit score in the long run. If you are doing so to increase your credit limit, then remember my tips. It is not going to help you. To increase your credit limit credit score and your monthly income matters the most.

What is credit card monthly limit?

It is a predetermined purchase limit set by the issuer of the credit card. However, if you exceed this limit you may incur additional charges in your monthly statement.

Which is better Simply click or Simply save?

If you do lot of online transactions in the internet market and less from the offline market then simply click SBI credit card will be better option for you. And in case of offline more purchase SBI Simply Click will be a less valuable option. So be careful about both the cards and remember both are visa.

What is the benefits of SBI Simply Click card?

It consists of Welcome gift, eshopping reward, milestone rewards. Apart from that there is annual fee waiver and the welcome gifts are more than equivalent to the annual fees. So what are you waiting for? To get it now please go through the content deeply.

To know more FAQ about SBI Simply Click Credit Card you need to visit SBI Credit Cards website from here.

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The Ultimate Guide to the Indian Oil Citi Bank Credit Card

The Indian Oil Citi Bank Credit Card from Citi Bank is a fantastic choice for fuel benefits and rewards. Partnering with Indian Oil, it offers great advantages like earning Turbo Points with every purchase. The annual fee of Rs. 1,000 is reasonable considering the chance to get up to 71 liters of free fuel annually. The card also provides a welcoming 250 Turbo Points on your first transaction, making it a rewarding choice from the get-go. 

 

Additionally, this card stands out with its versatile rewards system. Not only can you redeem Turbo Points for fuel purchases at IndianOil outlets, but you can also utilize them across various categories, including shopping, gift vouchers, AirMiles, and even cashback. Moreover, the card unlocks exciting discounts at a wide range of restaurants, adding extra value to your dining experiences. It’s more than just a fuel card; it’s a gateway to numerous rewards and perks tailored to your lifestyle.

 

Furthermore, the Indian Oil Citi Bank Credit Card offers accelerated rewards for specific spending categories like groceries, departmental stores, and, of course, fuel purchases at IndianOil outlets. Earning 1 Turbo Point for every Rs. 150 spent, this card ensures you maximize your benefits, allowing you to save more on your regular expenses. It’s a comprehensive package designed to cater to your everyday needs while rewarding you generously for your purchases. Explore its features, associated fees, and the array of benefits it offers for a holistic understanding of its value proposition.

Rewards and Benefit:

Movie & Dining

You can avail up to  20% discount on dining across several participating restaurants.

Rewards Rate

1 Turbo Point for every Rs 150 spent, 2 Turbo Points for every Rs.150 spent at supermarkets, and 4 Turbo Points every time you spend Rs.150 on fuel at IOCL Outlets.

Rewards Redemption

For redemption against fuel, 1 TP=Re.1, for other categories 1 TP=Re.0.25 to Re. 0.35, and for AirMiles, 1 TP=0.75 Airmile/Intermile.

Zero Liability Protection

ON reporting the lost card to the Bank, the cardholder will not be liable for any fraudulent transaction.

Fees & charges

Spend based Waiver

On spending minimum Rs. 30,000 in the previous year you can waive off your annual fee.

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on all foreign currency transactions.

Interest Rates

3.75% per month

Fuel Surcharge

1% fuel surcharge waiver at all Indian Oil outlets.

Cash Advance Charges

You will be charged 2.5% of the amount withdrawn or a minimum of Rs. 500.

Add-on Card Fee

Nil

 

Turbo Point details of Indian Oil Citi Bank Credit Card

  • 1 Turbo Point for every Rs. 150 you spend.
  • You get 2X Turbo Points for spending on groceries and supermarkets.
  • You get 4X Turbo Points on spending on fuel at authorized Indian Oil outlets.
  • Get a welcome bonus of 250 Turbo Points.
  • Turbo Points are redeemable fuel, cashback, shopping, etc.
  • Exciting dining discount offers across several participating restaurants.
  • A 1% fuel surcharge waiver.
  • Spending-based renewal fee waiver.
  • 24*7 customer support.

Welcome Benefits

Earn 250 Turbo Points as a welcome gift if you make your first translation within 30 days of card activation.

Dining Benefits

Get up to 20% discount on dining bills at various participating restaurants using your Indian Oil Citi Credit Card.

Indian Oil Citi Bank Credit Card Other Benefits

  • Exclusive saving offers on flights through MakeMyTrip.
  • Saving of up to Rs. 1000 on EaseMyTRip.
  • Up to 15% discount on Vista Rooms.
  • Up to 15% cashback at duty-free stores.

Joining and Renewal Fee Waiver:

On spending Rs. 30,000 or above in the previous year, the annual fee pf Rs. 1,000 can be waived off for the Indian Oil CitiBank Card.

Fuel Surcharge Waiver:

Get a 1% waiver on fuel surcharge across all authorized Indian Oil outlets on swiping your Indian Oil Citi Credit Card for transactions above Rs. 10.

Indian Oil Citi Bank Credit Card Rewards:

  • Since it is a fuel credit card, you Reward Points as Turbo Points on the Indian Oil Citi Bank Credit Card.
  • Get 1 Turbo Point every time you spend Rs. 150.
  • 2 Turbo Points per Rs. 150 you spend on supermarkets & groceries. For spends greater than Rs. 5,000, you get 1 extra Turbo Point on every Rs. 150 you spend. These incremental Turbo Points are capped at 34 Turbo Points per transaction.
  • You get 4 Turbo Points per Rs. 150 spent on fuel purchases at authorized Indian Oil outlets. The Turbo Points in this category are capped at 267 Turbo Points per transaction.

Rewards Redemption:

To redeem your Turbo Points, you need to visit www.online.citibank.co.in then click on the option Redeem Reward Points under Credit Card. You can redeem your earned Turbo Points against online shopping, fuel, in-store shopping at partner brands, cashback, AirMiles/InterMiles, etc, at the rates given below:

 

Redemption Category Value of 1 RP
Fuel at Indian Oil outlets Re. 1
Online shopping on travel sites Re. 0.25
Other online shopping Re. 0.30
In-store shopping at partner brands Re. 0.30
AirMile/InterMile 0.75 InterMile
Cashback Re. 0.35

 

For redemption against fuel, you would need 250 Turbo Points, for AirMiles/InterMiles you need 100 TPs, for Cashback you need 10,000 TPs and against gift vouchers no minimum limit of Turbo Points

Following are the eligibility criteria that one needs to follow if they want to get approved for the Indian Oil Citi Card:

Particular Criteria
Age Minimum 21 years
Income  Stable source of income
Credit Store Decent credit score

 

Documents Required 

  • Identity Proof (Driving Licence/ Aadhar Card/ Voter Card/ Passport).
  • Address Proof (Voter ID/ Driving Licence/ Passport/ Aadhar Card).
  • Past two months salary slip (for salaried employees).
  • Latest year ITR with income computation (for self-employed individuals). 

How to Apply for Indian Oil Citi Bank Credit Card?

The applicant can apply for the Indian Oil Citi card by visiting their nearest branch or they can easily apply online by following these simple steps:

  • Go to https://www.online.citibank.co.in/.
  • Click ‘Credit Card’.
  • Select ‘Indian Oil Citi Bank Credit Card’.
  • Choose the ‘Indian Oil Credit Card’.
  • Click on ‘Begin your application’.
  • Fill in all the mandatory particulars and complete all the formalities as mandated by the bank’s website.

 

If you would like to apply for online shopping based credit card then you can look for this content that will help you to earn reward points based on online shopping.

Customer Care:

Citibank provides its customers with 24*7 customer support. Following are some customer care contact details of Citibank:

  • Contact the emergency helpline, 1800 267 2425 (toll-free in India) or +91 22 4955 2425 (local sailing), if you have lost your card, if your card is stuck in an ATM, or if you receive notification about a transaction you didn’t make (always operational).
  • For any other queries, you can contact 1860 210 2484 ( available from 7AM – 9 PM, Monday to Saturday).

Conclusion:

The IndianOil Citi Bank Credit Card is tailored for frequent fuel transactions, offering rewards for various purchases. It grants an annual opportunity to claim up to 71 liters of free fuel, allowing Turbo Points redemption in categories like fuel. With nominal yearly fees, it delivers enticing reward and discount offers for dining, flight, and hotel bookings. The card not only helps you save through Turbo Points but also offers fuel surcharge waivers and spend-based renewal fee waivers, enhancing its value proposition. In essence, for those seeking a low joining fee and diverse benefits across multiple categories, the IndianOil Citi Credit Card stands as an ideal choice. 

FAQs:

1. What is the annual interest rate for this card?

The Indian Oil Citi Bank Credit Card carries an annual interest rate of 45%, which amounts to 3.75% per month.

2. How do Turbo Points translate into rupees for fuel redemption?

For fuel transactions at authorized IndianOil outlets, 1 Turbo Point holds a value equivalent to Re. 1.

3. What is the annual fee for this card, and is it possible to waive it?

The annual renewal fee for the Indian Oil Citi Bank Credit Card stands at Rs. 1,000. However, this fee can be waived if you spend Rs. 30,000 or more in the previous year.

4. Are there any flight booking discounts available through the IndianOil Citi Credit Card?

Absolutely. You can access exclusive discount offers for flight bookings through MakeMyTrip and EaseMyTrip using your Indian Oil Citi Bank Credit Card.

5. Can Turbo Points be used for redeeming InterMiles?

Yes, Turbo Points earned can be redeemed against InterMiles at a rate of 1 Turbo Point for 0.75 InterMile.

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11 Best No Annual Fee Credit Cards in India

There are different types of shopping behaviour and spend habits. and it is variable to each person. Like the same way when it comes to credit card expenditure, card makers know that. Based on that sentiment they create offers that might help you with plethora of benefits.

Most newbis try to apply for an entry level credit card which are no annual fee credit cards. I personaly like to have a card which has no recurring charges.

Another one, this is also my 2nd favourite. Getting enough cash back or reward points so that it can overcome the entry price for any specific card. 

 

Here comes the Free Credit cards that has no annual fees or zero annual fees.I have seen people who don’t even check their reward points and does not entertain their timing in calculating all these. Being very simple person and moody about cash back offers I am little different and never miss the chance to afford the best available offer in today’s date.

#1 ICICI BANK Platinum Chip Credit Card​

BIGGEST BENEFIT

Easy approval for beginners

For Beginner Credit Card Applicants

ICICI BANK Platinum Chip Credit Card

Platinum chip credit card is one of the best entry level credit card.

The persons who are newbie and want to have a credit card for increasing the credit score, it might be the best choice.

If you are a beginner and want to apply for this card, you have to be above 23 years of age.

WELCOME OFFER

No offer for the time being

ANNUAL FEE

zero

ANNUAL WAIVER

Not required now

DOMESTIC LOUNGE

NA

INTERNATIONAL LOUNGE

NA

More Details

  • Get 1% fuel surcharge waiver of transactions upto rs. 4000 in HPCL petrol pumps
  • Enjoy delicious treats with ICICI bank culinary program at minimum 15% on your dining bills
  • Zero supplementary card charges

#2 ICICI Amazon Pay Credit Card

BIGGEST BENEFIT

Get 5% cashback on amazon

No renewal fee for Lifetime

ICICI Amazon Pay Credit Card

ICICI amazon Pay Credit Card is best no annual fee credit card in India specifically for amazon shoppers.

If you are a amazon prime member then you get the opportunity to save upto 5% amazon pay balance. In case of Non Prime members you can get upto 3% amazon pay balance.

WELCOME OFFER

Welcome bonus worth Rupees 200-600

ANNUAL FEE

Lifetime FREE

ANNUAL WAIVER

NA

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

  • 2% cashbak on amazon partner merchants
  • 1% cashback on all other spends except fuel
  • get 1% fuel surcharge waiver
  • 15% discount on dining by Bank’s culinary treats program
  • No limit on reward points and there is no expiry date.
  • No maximum cap on cashback

#3 IDFC FIRST Classic Credit Card

BIGGEST BENEFIT

Get 10X reward points on spend of Rs. 20000 that will never expire

Lifetime FREE for Beginners

IDFC FIRST Classic Credit Card

The IDFC FIRST Classic Credit Card is one of the entry level card that offers zero annual fees and zero sign up fees. This can be beginners choice if someone is a moderate spender in both offline and in online.

WELCOME OFFER

Gift vouchers worth rs. 500 and 5% cashback on first EMI transaction 

ANNUAL FEE

Lifetime FREE

ANNUAL WAIVER

NA

DOMESTIC LOUNGE

4 Railway Lounge access

INTERNATIONAL LOUNGE

0

More Details

  • get 1% fuel surcharge waiver upto Rs. 200 per statement cycle
  • earn 10X reward points on all spends above Rs. 20000 
  • Avail 6X reward points on online transactions
  • Get 3% reward points on offline transactions
  • Reward points can be redeemed instantly on online and partner stores (1 reward point=Rs. 0.25)
  • 10x rewards on all spends on birthday
  • Point to be noted: reward points cannot be redeemed on insurance, fuel, EMI and cash withdrawals
  • Get insurance cover worth Rs. 200000 in case of accidental death applicable after atleast one transaction in the previous month
  • You will get coverage of Rs. 25000 for lost card liability.
  • Free roadside assistance (RSA) worth Rs. 1399/-
  • There is no interest on cash withdrawal from any ATM and a small amount of cash advance fee of Rs. 250/-

#4 SBI Cashback Credit Card

BIGGEST BENEFIT

Get 5% cashback with maximum cap of Rs. 10000/-

Lifetime FREE for Beginners with some easy terms

SBI Cashback Credit Card

I am adding SBI Cashback Credit Card in BEST no annual fee credit cards list because of the following benefits.

SBI’s cashback credit card comes with an option to avail cashback in online and in offline transactions.

In case of online you can get flat 5% cashback.

In offline and utility bill transactions you can get 1% cashback. 

This card is having onetime 999 as joining fee and also option to waive off the annual fees. Know more from here.

WELCOME OFFER

Na

ANNUAL FEE

Rs. 999/-

ANNUAL WAIVER

Spend Rs. 200000 and get your annual fee waived off

DOMESTIC LOUNGE

1 free access every quarter

INTERNATIONAL LOUNGE

0

More Details

  • Rs.999 Joining Fee
  • get 1% fuel surcharge waiver upto Rs. 100 per statement cycle. It is applicable for transactions in between Rs. 500-3000 across petrol pumps in India.
  • Get 2 lifetime free add on cards for family members above age 18 .
  • -Avail contactless payments below Rs. 5000/-
  • Here is also another card by SBI that is none other than SBI Simply Save Credit  Card that you can also consider as no annual fee credit cards.

#5 Kotak Royale Signature Credit Card

BIGGEST BENEFIT

Get 4X reward points on spend of Rs. 150 every time

Most Suitable for Lifestyle Expenses

Kotak Royale Signature Credit Card

The Kotak Royal Signature Credit Card is one of the entry level credit card offered by Kotak Mahindra bank cards.
Athough this is an entry level card but it has good benefits in case of milestones.

Let’s focus on the main key highlights of this card.

WELCOME OFFER

NA

ANNUAL FEE

Rs. 999/-

ANNUAL WAIVER

Waived off on spending Rs. 100000/-

DOMESTIC LOUNGE

2 Lounge access per quarter

INTERNATIONAL LOUNGE

0

More Details

Milestone Benefits:-

  • Get 10000 reward points when you spend Rs 400000. This is worth Rs. 2500/-
  • Get 3000 reward points on spending Rs. 800000. This is worth Rs. 7500/-

    Other Benefits:-
  • Get Fuel surcharge waiver upto Rs. 3500/- annually. This is appliable on transactions in between Rs. 500-3000
  • Avail Railway surcharge waiver upto Rs. 500/- annually

#6 Standard Chartered Manhattan Credit Card

BIGGEST BENEFIT

Get 5% cashback on groceries in supermarket and 5X reward points on Hotel, Dining, Airline booking and Fuel.

Suitable for Salaried Persons who want to opt for cash back on daily spends

Standard Chartered Mnahattan Credit Card

This card gives you direct 5% cashback on your grocery shopping in the super market provided you do a minimum of 1000 INR shopping. Whereas the maximum cash back is upto 500 per month and Rs. 150/- per transaction. 

Because of some good benefits this card is included in the best no annual fee credit cards list.

 

This card seems to be the best card for a family person living in a metro city.

WELCOME OFFER

Get 5000 reward points on payment joining fees

ANNUAL FEE

Rs. 999/-

ANNUAL WAIVER

waived off if you spend 120000 in previous year

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

  • Get 1% fuel surcharge waiver on all fuel transactions
  • Get upto 15% dining discount at over 850 restaurants.

Read Also:- SBI Simply Save Credit Card – For Daily Spends | Review 2023

Apply for Sbi SimplySave Credit Card from here.

#7 HDFC Freedom Credit Card

BIGGEST BENEFIT

Get 5X reward points on your EMI spends at merchant locations

Most Suitable for Lifestyle Expenses

HDFC FreedomCredit Card

If you are a beginner and want to apply for a credit card that can be easily approved, then HDFC Freedom Credit Card is your next option. 

HDFC Freedom credit card offers a very reasonable annual fee waiver for common people. hence, I include this in best no annual fee credit card list.

This card is best suited for Reward Points.

Minimum eligibility for opting this card is pretty good. For salaried person it should be 12K per month.

And for Self employed it is ITR > 6 lakh per annum.

WELCOME OFFER

500 Cash Points after the payment of joining fee

ANNUAL FEE

Rs. 500/-

ANNUAL WAIVER

Waived off on spending Rs. 50000/- in a year

DOMESTIC LOUNGE

NA

INTERNATIONAL LOUNGE

0

More Details

Reward Point Benefits:-

You can avail up to 10X reward points on selected purchases. Here are the details for that

  • 10X cash points on transactions via Big busket, Swiggy, Uber, OYO and BookMyShow. (Max 2500 cash points can be earned in a calendar month)
  • 5X cash points on EMI Spends at Merchant locations. (Capped at 2500 cash points per month)
  • Get 1 Cash point for every Rs. 150/- on other spends (Excluding wallet/prepaid card loads, voucher purchases and fuel)

    Cash point Redemption:-
  • 1 cash point = Rs. 0.15
  • Unredeemed cash points will expire after 2 years of accumulation
  • A minimum of 3334 cash points or equivalent to Rs. 500 is required for redemption against the statement balance

    Other Benefits:-

  • Get Fuel surcharge waiver upto Rs. 3000/- annually. This is appliable on transactions in between Rs. 400-5000
  • Get upto 15% off at 2000 plus premium restaurants in selected cities with dineout membership.

#8 Kotak Fortune Gold Credit Card

BIGGEST BENEFIT

No Joining and annual fees. Get 50% cash limit and interest free cash withdrawal upto 48 days

Most Suitable for shopping for business people living in metro

Kotak Fortune Gold Credit Card

If you are a beginner and looking for a no annual fee credit card, here is another option to apply for.

WELCOME OFFER

NA

ANNUAL FEE

Nil

ANNUAL WAIVER

Not needed as it is Lifetime Free credit card

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

Kotak Mahindra bank is one of the leading private sector bank. Kotak bank fortune gold credit card is yet another one entry level card with no annual fee credit card option. Also with selected best benefits.

Kotak bank fortune gold credit card Milestone Benefit:-

  • On annual spend of 150000 you get 4 PVR Movie Ticket free or INR 750

Other Benefits:-

  • Get 1% fuel surcharge waiver on transactions between 500-3000
  • Zero liability cover upto Rs. 50000 is provided in case of any fraudulent activity/transactions

 

#9 CITI Bank Rewards Domestic Credit Card

BIGGEST BENEFIT

Evergreen reward points that never expires.
10X reward points per Rs. 125 spent on apparel and departmental stores both online and offline

Most Suitable for shopping and getting reward points on every spend

CITI bank Rewards Domestic Credit Card

If you are a beginner and looking for huge reward points, here is another option to apply for.

WELCOME OFFER

Get 1000 welcome reward points on first spend within 30 days from the card issue and another 1500 points when you spend 1000 Rupees within first 60 days of the card issue.

ANNUAL FEE

Nil

ANNUAL WAIVER

Not needed as it is Lifetime Free credit card

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

 

CITI reward credit card Milestone Benefit:-

  • On monthly spend of 30000 you get 300 bonus reward points

Other Benefits:-

  • Get 10X reward points per 125 spent on apparel and departmental store
  • Get 1 reward point on every other 125 spent
  • 4 additional reward points per 125 spent on Flipkart, Amazon and Myntra

#10 MakeMyTrip ICICI Bank Platinum Credit Card

BIGGEST BENEFIT

3X my cash points per Rs. 200 spent on hotel and flight bookings on MakeMyTrip 

Most Suitable for shopping for frequent travelers

MakeMyTrip ICICI Bank Platinum Credit Card

When you pay 500 joining fee you get 500 my cash points which makes this card absolutely free as 1my cash point is equivalent to INR 1.

WELCOME OFFER

Rs. 500 my cash and holiday voucher worth Rs. 3000

ANNUAL FEE

Nil

ANNUAL WAIVER

NA

DOMESTIC LOUNGE

1 access per quarter

INTERNATIONAL LOUNGE

0

More Details

 Milestone Benefit:-

  • On annual spend of 250000 you get 1000 my cash points
  • Get 1000 my cash points on spending 50000 on hotel, flight, holiday bookings on makemytrip website or mobile app.

Other Benefits:-

  • Get Rs. 3 my cash per 200 spent on hotel and holiday
  • Get Rs. 2 my cash on flight booking
  • Get 1.25 my cash on all other international bookings outside MMT
  •  

#11 IDFC First Millenia Credit Card

BIGGEST BENEFIT

No Joining and annual fees.

Most Suitable for shopping

IDFC First Millenia Credit Card

If you are a beginner and looking for a no annual fee credit card, here is another option to apply for and that is none other than IDFC first Millenia Credit Card.

This card is targeted to young individuals with plenty of benefits having interests on shopping, entertainment, dinning etc.

WELCOME OFFER

get gift voucher worth s. 500 on spending 15000 within first 90 days.

ANNUAL FEE

Nil

ANNUAL WAIVER

Not needed as it is Lifetime Free credit card

DOMESTIC LOUNGE

Get complementary Railway Lounge access 4 times in a quarter

INTERNATIONAL LOUNGE

0

More Details

With zero renewal fee and joining fee IDFC Millenia credit card is one of the best option for beginners. It has many user friendly reward point benefits both for offline and offline spends. and the good news is all the reward points come with no expiry date and can be redeemed any time in different categories. Let’s explore more here.

IDFC Millenia Credit Card Benefit:-

  • Get 3 reward points on every 150 spent in offline
  • Get 6 RP on every 150 spent online
  • Get 10 RP on every spent 150 if you spend more than 20000 at a time

Other Benefits:-

  • Get 1% fuel surcharge waiver on all fuel stations on all fuel transactions upto 200 per month
  • Get a 5% cashback as a welcome offer if you do EMI within first 3 months  of card issuance. (upto 1000 rupees)

#12 HSBC Visa Platinum Credit Card

BIGGEST BENEFIT

No Joining and annual fees. Get 50% cash limit and interest free cash withdrawal upto 48 days

Most Suitable for shopping for business people living in metro

HSBC Visa Platinum Credit card

If you are a beginner and looking for a no annual fee credit card, here is another option to apply for.

WELCOME OFFER

NA

ANNUAL FEE

Nil

ANNUAL WAIVER

Not needed as it is Lifetime Free credit card

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

Kotak Mahindra bank is one of the leading private sector bank. Kotak bank fortune gold credit card is yet another one entry level card with no annual fee credit card option. Also with selected best benefits.

Kotak bank fortune gold credit card Milestone Benefit:-

  • On annual spend of 150000 you get 4 PVR Movie Ticket free or INR 750

Other Benefits:-

  • Get 1% fuel surcharge waiver on transactions between 500-3000
  • Zero liability cover upto Rs. 50000 is provided in case of any fraudulent activity/transactions

 

#13 IDFC First Millenia Credit Card

BIGGEST BENEFIT

No Joining and annual fees. Get 50% cash limit and interest free cash withdrawal upto 48 days

Most Suitable for shopping for business people living in metro

IDFC First Millenia Credit Card

If you are a beginner and looking for a no annual fee credit card, here is another option to apply for.

WELCOME OFFER

NA

ANNUAL FEE

Nil

ANNUAL WAIVER

Not needed as it is Lifetime Free credit card

DOMESTIC LOUNGE

0

INTERNATIONAL LOUNGE

0

More Details

Kotak Mahindra bank is one of the leading private sector bank. Kotak bank fortune gold credit card is yet another one entry level card with no annual fee credit card option. Also with selected best benefits.

Kotak bank fortune gold credit card Milestone Benefit:-

  • On annual spend of 150000 you get 4 PVR Movie Ticket free or INR 750

Other Benefits:-

  • Get 1% fuel surcharge waiver on transactions between 500-3000
  • Zero liability cover upto Rs. 50000 is provided in case of any fraudulent activity/transactions

 

Final Thoughts:-

I know at the beginning your first preference would definitely be no annual fee credit cards for the sake of saving more money. Based on your query I have tried to bring for you the best credit cards which are also known as zero annual fee credit cards in India.

I would suggest strongly if you are a salaried person go for the ICICI BANK Platinum Chip Credit Card. Don’t forget this is a card that offers easy approval also.

If you are looking for a back up card even with low limit but easy approval I would suggest to go with HDFC Freedom Credit Card.

If you face any difficulty in getting approval for any of the above no annual fee credit cards then also I have a good news for you. What is that?

You can try to opt for a secured credit card. What do you mean by that in respect to no annual fee credit cards? 

Yes my dear friend, If you want to get a card which is not charging you on a recurring mode year after year, you can do a fixed deposit in your bank. And take a credit card with around 80% of that fixed deposit amount credit limit in your card.

That’s What I did back in 2020 when I had no job, No permanent source of income and no IT Return. So every time I applied for a credit card the request got rejected. I thought no annual fee credit cards are not for me.

But a simple online FD in the bank helped me to overcome that zone for me. Thanks to the person who guided me to overcome that zone of my life.  

Apart from that if you have query in your mind feel free to put a comment in the comment section. 

What is lifetime free credit card?

If you are a credit worthy customer, bank will offer you a credit card in which you don’t have to pay joining fees or recurring annual fees.

Which credit card is free of cost in India?

There are credit cards which take a nominal charge while joining the card. But they offer very good rewards and benefits. An annual fee waiver is also there to attract customers. Go through this content where you will come to know some cards with no joining and renewal fees at all plus cards with nominal charges with waiver option.

Which credit card is best and lifetime free?

There are several credit cards which offer pretty good features and benefits which we consider as no annual fee credit cards. Read the above listed cards for learning more about these best and lifetime free credit cards in India.

Which bank credit card is best with no annual fee?

Many banks offer best no annual fee credit cards. But Here in this blog post I have mentioned about my best choices that can be considered as best no annual fee credit cards. These banks are based on the kind of benefits they provide for their respected credit cards.

Why choose a no annual fee credit card?

You can be tension free when you are not spending a lot. You can use your card for a long time and this helps in maintaining your average value of account. Ultimately helps you in increasing your credit score and keep it healthy.

Read more articles from here:-

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,

SBI Simply Save Credit Card – For Daily Spends | Review 2023

Are you looking for a credit card that can simplify your savings while providing a range of benefits and rewards? Look no further than the SBI Simply Save Credit Card offered by the State Bank of India (SBI). As someone who values convenience and financial well-being, this card has caught my attention.

With the SBI Simply Save Credit Card, you can earn cashback and rewards on your everyday expenses, turning your regular purchases into opportunities for savings. Whether it’s dining out, shopping, or fueling up your vehicle, every transaction earns you valuable rewards points that can be redeemed for exciting options like vouchers, merchandise, or even direct statement credits. It’s like getting extra value for the money you’re already spending.

What sets the SBI Simply Save Credit Card apart are the additional features and benefits that make it a truly valuable companion. Imagine being able to save on fuel expenses with convenient fuel surcharge waivers or enjoying exclusive discounts and offers at partner merchants. These perks make your shopping and dining experiences even more enjoyable, helping you stretch your budget further.

Another feature that resonates with me is the contactless payment option. With just a simple tap of the card on contactless-enabled terminals, you can breeze through transactions effortlessly. It’s not only convenient but also adds peace of mind by reducing the risk of card fraud. No more fumbling with physical swiping or inserting cards—just a quick and secure payment method.

Furthermore, SBI ensures that managing your Simply Save Card is hassle-free. Whether it’s checking your transactions, viewing statements, making payments, or exploring additional services, you have easy access to all these features through online and mobile banking platforms. And in case you ever have any questions or need assistance, SBI’s reliable customer service is there to promptly address your concerns.

Of course, responsible financial management is crucial when it comes to credit cards. It’s important to make timely repayments and stay mindful of your spending to avoid unnecessary interest charges and maintain control over your finances. By using the Simply Save Credit Card responsibly, you can truly make the most of its benefits while ensuring your financial well-being.

In a nutshell, the SBI Simply Save Credit Card offers an appealing package of convenience, rewards, and peace of mind. As someone who appreciates simplicity and value, this card has proven to be a trusted financial companion. It’s time to experience the benefits it has to offer and simplify your savings journey.

SBI Simply Save Credit Card Benefits

Welcome Benefit:-

  • Welcome Offer:- Spend Rs. 2000 or more in the initial 60 days of activating your card and get bonus 2000 reward points which are equivalent to Rs. 500/-.

Reward Points

  • Earn 1 reward point on every 150 spent (4 reward points = Rupees 1)
  • Get 10x reward points per Rs. 150/- spent on dining, movies, groceries, and departmental store.

Complete Fuel Freedom

Get freedom from a 1% surcharge at any petrol pump when you transact between 500-3000 rupees in India

Eligibility Criteria

Criteria age income
Salaried 18-65 years Rs. 20000/- per month
Self-employed 21-65 years Rs. 20000/- per month as per IT Return

Documents required to apply for

  • Identity proof- Voter card, PAN card, Driving license, Passport or Aadhar card
  • Address proof- Passport, Driving License, Aadhar card, Utility bill, or Ration Card
  • Income proof- Latest bank statement, Latest salary slip, or latest audited financial reports

 

SBI SimplySave card maximum limit

This is one query that most like you and me want to know. I would be happy to share that SBI Simply save credit card offers different limits for different persons. Apply and check your own from here.

SBI SimplySave card annual fee

In short the SBI simply save credit card annual fees is 499/- but it can be waived if you do the necessary shopping from your card in preceding year. Here is a detailed table that explains about all other charges for this card.

Simply save SBI card charges:-

 

Type of Charges amount
Joining Fees Rs. 499/- (One time)
Renewal/annual Fees per year Rs. 499/- (Waived off if previous year spent is 1 lakh)
Finance charge Upto 3.5% per month (42% per annum)
Overdue finance Charge 3.65% per month (43.8% per annum)
Cash Payment Fee Rs. 250/-
Cheque Payment Fee Rs. 100/-
Cash advance fee at domestic ATM, International ATM and SBI ATM 2.5% of the transaction amount or Rs. 500/- whichever is higher
Over Limit 2.5% of the over limit amount or Rs. 600/- whichever is higher
Payment dishonour fee 2% of the amount (minimun Rs. 500/-)
Payment dishonour fee 2% of the amount (minimun Rs. 500/-)

SBI Simply Save card Lounge Access

Unfortunately being and entry level card it does not provide lounge access. for getting lounge facility you have to switch to premium cards of SBI.

How Can You apply for Simply save SBI credit card?

Offline process:

There is one offline and another is offline process. you can visit the nearest branch of SBI and apply for the card over there. SBI is having dedicated employee for the card apply process in the branch office itself.

Online process:

  • visit official website of SBI. Here is the link https://www.sbicard.com/
  • Click on Apply Now from the apply section
  • Then all the cards will be visible
  • choose SBI Simply save card from the list
  • fill up the form and your necessary detailsIf you face any difficulty while filling the form you can contact the SBI credit card customer care number and get support while filling the form over the phone call.

Cards similar to Simply Save by SBI

Credit card Annual fees Distinguishive features
HDFC Money Back Credit Card Rs. 500/- 4 reward points per 150 spent online
SBI Simply Click Credit Card Rs. 499/- 10 reward points per 100 spent online at selected partners
Standard chartered Platinum Rewards Credit Cards Rs. 250/- 5 reward points per 150 spent on selected partners dinning restaurants
Standard Chartered Super Value Titanium Credit Cards Rs. 750/- 1 reward points per 150 spent online
HSBC smart Value Credit Card Nil 3 reward points per 100 spent on selected partners dinning, telecom and online

 

In conclusion, the SBI Simply Save Credit Card is a highly appealing financial tool that offers a plethora of benefits and rewards for cardholders. Its cashback and rewards program is undeniably attractive, luring individuals into spending recklessly while creating the illusion of savings on everyday expenses.

The card’s various features, such as fuel surcharge waivers, dining discounts, and accelerated rewards on specific categories, might seem enticing at first glance. However, they often come with hidden fees and conditions that diminish the true value of these perks. In reality, the savings obtained are often outweighed by the costs incurred in maintaining the card.

While SBI positions itself as a reputable banking institution, this card serves as a strategic tool to lure customers into deeper financial entanglements. The bank capitalizes on individuals’ desires for convenience and instant gratification, without adequately disclosing the potential pitfalls of credit card debt.

Moreover, SBI’s customer service is often lacking, leaving cardholders frustrated and helpless when faced with issues or concerns. Their promises of swift resolution are nothing more than empty words, as many customers have reported prolonged wait times and ineffective assistance.

It’s crucial to recognize that the SBI Simply Save Credit Card can lead individuals down a dangerous path of debt and financial distress. The allure of rewards and benefits should not overshadow the importance of responsible financial management. It’s imperative to approach credit cards with caution, carefully tracking expenses, and ensuring timely repayments to avoid falling into a cycle of debt.

In summary, while the SBI bank’s Simply Save Credit Card may appear enticing, it’s important to approach it with skepticism. The card’s rewards and privileges often come with hidden costs, and the bank’s customer service leaves much to be desired. Individuals must exercise caution and prioritize responsible financial practices to avoid the potential pitfalls associated with this credit card.

There is also another credit card known as SBI SimplyClick credit card that offers online shopping facilities and huge reward point benefits.

Read also my about me section from here.

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FAQ:-

How can I apply for SBI Simply SAVE Card?

You can apply for this card from the official website of State Bank and at the same time you can visit the branch also. It is up to your choice and there are some 3rd party websites also to apply for this type of card.

What is the interest-free grace period offered on SBI Simply SAVE Credit Card?

It is 20 to 50 days.

Is SBI SimplySave credit card good or bad?

If you are looking for an entry level credit card with online purchase intension and as a back up card, it is perfect for you. It comes with a low annual fees of 499 which can be waived off if you spend 1 lakh in the preceding year.

What is the limit of SBI credit card Simply Save?

SBI Card does not disclose the credit limit of any card as any specific limit. It varies from person to person. Even you yourself will come to know about the limit only in confirmation message inside the confirmation link. Before that no SBI call centre agent will be able to say what can be your credit limit. It also depends on your previous credit history.

What is the use of SBI SimplySave card?

SBI SimplySave credit card offers various savings on online transactions and offline spends. It is  in terms of accelerated reward points to spend based rewards to a  renewal fee waiver. The credit card offers more practical benefits that actually help us on a daily basis when we spend through this card.

Can I withdraw money from SBI simply Save credit card?

Yes you can withdraw money from this card. Now you might think ok. But is this chargeable? Yes it is definitely chargeable. And the charges are 2.5% of the amount that you withdraw or the flat Rs. 500 whichever is higher.

What is the annual fees of SBI Simply Save card?

The annual fees is 499+taxes extra as per current government rule.

How to pay SBI Simply Save card?

SBI SimplySave card bill payment: There are many options available for paying the outstanding bills for SBI Credit cards.

  1. You can pay via SBI billdesk.
  2. You can use Net banking of any other bank portal if you have any.
  3. You can pay through your nearest ATM
  4. You can also use the so popular SBI YONO mobile banking app to pay your outstanding bills.

How to transfer money from SBI Simply Save card to bank account?

To do so you have to call SBI Credit card Customer care number. Then request for a fund transfer and confirm the amount that you want to transfer. Provide the bank account number and other details that are required. At last follow the prompts that you receive to complete the transaction. It is applicable for SBI Simply Save Credit Card and others SBI Credit Cards and other cards.

People Also Read- 11 Best no annual fee credit cards in India

 

 

 

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Axis Bank My Zone Credit Card – Featutres and Benefits As A New Card Holder of 2024

Are you ready to transform your everyday expenses into rewarding experiences? Look no further than the Axis Bank My Zone credit card, a powerful financial companion that turns your daily purchases into a source of savings and entertainment. In this blog, we’ll take you on a journey through the fantastic world of benefits and discounts that this card has to offer.

Picture this: every time you swipe your Axis Bank My Zone credit card, you’re unlocking a world of discounts and rebates. Whether you’re shopping for groceries, dining out, or treating yourself to a little retail therapy, this card ensures that you get more value for your money. Say goodbye to those hefty bills and hello to smart spending.

But the perks don’t stop there. If you’re a movie buff, you’re in for a real treat. With this card in your wallet, you’ll enjoy incredible rebates on movie ticket purchases, making your cinematic adventures even more enjoyable.

Travel enthusiasts, we’ve got something special for you too! Axis Bank My Zone credit card grants you access to domestic airport lounges, letting you relax and recharge before your flights. Plus, there’s a fuel surcharge waiver to ease your road trips.

In this blog, we’ll delve deeper into each of these fantastic features, showing you how the Axis Bank My Zone credit card can enhance your lifestyle and make your everyday spending more rewarding than ever. So, let’s dive in and discover how this card can elevate your financial game!

Main Key featuress of My Zone Credit Card By Axis Bank

 

Suitable for Entertainment and Shopping
Joining Charges 0
Annual Charges 0
Axis Bank My Zone Credit Card Offers 4 EDGE rewards on each and every Rs. 200 spent
Axis Bank My Zone Credit Card Limit Penalty (Over Limit Penalty) 2.5% of the Overlimit Amount (Minimum Rs. 500)

 

Axis Bank My Zone Credit Card Benefits

Axis Bank My Zone credit card charge types and fees

 

Joining Fee Rs. 500
Annual Fee Rs. 500
Interest Rate 52.86%p.a.
Late Payment Charges
  • Less than Rs. 500:Nil
  • From Rs. 501 to Rs. 5,000:Rs. 500
  • Between Rs. 5,001 and Rs. 10,000:Rs. 750
  • More than Rs. 10,000:Rs. 1,200

 

Axis Bank My Zone Credit Card Eligibility

Meet the following criteria and be eligible to apply for the axis bank My Zone Credit Card.

 

Age 18-70
Resident Indian or NRI

Documents Required for axis bank my zone credit card:-

The required documents are-

  1. ID Proof- Aadhaar, Passport, Driver’s license, PAN.
  2. Address Proof- Electricity bill, Passport, Ration card, Landline bill.
  3. Income Proof- Pay slip, ITR, Form 16

How Can One Apply?

To apply for this Credit Card, you need to go to the official portal of Axis Bank and fill out the online application form with all your required details.

Apart from this, you can also apply for a credit card offline. For this, you have to visit your nearest Axis Bank branch and submit the completed application form and scanned copies of the papers of the bank personnel.

Similar Credit Cards to My Zone Axis Bank Card:-

If you’re searching for alternative credit cards with similar features to this one, check out the cards listed in the table below-

Credit Card Name Feature
SBI Simply CLICK Credit Card Amazon/Apollo24X7/Book My Show/Cleartrip/Eazydiner/Lenskart/Netmeds reward points.
HDFC Millennia Credit Card 5%cashback on Amazon, Book My  Show, and Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ,Uber, and Zomato.
HSBC Smart Value Credit Card 3X rewards on internet, eating, and telecom categories.
Standard Chartered Super Value Titanium Credit Card For every Rs. 150 paid you will receive one reward point.

Other Axis Bank Credit Cards :-

 

Flipkart Axis Bank Credit Card Axis Bank Privilege Credit Card
IndianOil Axis Bank Credit Card Axis Bank Select Credit Card
Axis Bank MY Zone Credit Card Axis Bank Neo Credit Card
Axis Bank Vistara Credit card  Axis Bank Reserve Credit Card
Axis Bank Magnus Credit Card Axis Bank AURA Credit Card

FAQs

How to know more about my zone Axis credit card?

If you are keen to know more about this credit card and want to apply for this type of axis bank credit card then you are at the right place and now is the time to check some more info from the bank’s website from here.

What is the max cashback amount offered by Axis Bank My Zone Credit Card for movies?

The payback value on the My Zone Credit Card for movies is limited to Rs.1,000 per calendar year.

Can I get reward points if I make fuel transactions with My Zone Credit Card?

Unfortunately, this Credit Card does not grant any points for transactions made on fuel, EMI payments, and cinema tickets. However, the cardholders can obtain 1% fuel fee waiver where they can earn maximum relief of Rs.400 in every statement cycle. Fuel price waiver is applicable if you make transactions ranging from Rs.400 to Rs.4,000.

What’s the Axis Bank My Zone Credit Card’s foreign currency transaction fee?

Foreign currency transaction charge is 3.5% of the transaction value. Hence, it is not the best credit card for making foreign currency transactions. It incurs high costs.

What is the charge when I withdraw money from my Axis Bank My Zone Credit Card?

My Zone Credit Card Cardholders, can withdraw a specific amount of cash at any time; however, bank will impose a cash advance fee of 2.5% of the sum withdrawn using the credit card.

You can also read:-

11 Best No Annual Fee Credit Cards in India

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