In today’s fast-paced world, credit cards aren’t just about borrowing money—they’re powerful tools for earning rewards, saving on everyday expenses, and enjoying exclusive perks. Whether you’re a frequent shopper, a travel enthusiast, or someone looking to manage bills efficiently, the right credit card can transform your spending habits into smart savings. This guide highlights the top 10 credit cards in India that are relatively easy to obtain, with no or low annual fees, based on popular choices from 2022 updated for relevance in 2025. We’ve selected these for their rewarding features like cashback, lounge access, and fuel waivers, tailored to diverse lifestyles. Remember, always choose a card that aligns with your spending patterns to maximize benefits and avoid unnecessary debt. 0
1. Axis Bank ACE Credit Card: Cashback King for Everyday Essentials
Ideal for those who prioritize utility bills and food deliveries, this card turns routine payments into rewarding experiences.
Welcome Offer
Kickstart your journey with ₹500 cashback when you spend ₹10,000 within the first 90 days.
Key Features and Benefits
- Unlimited Cashback on Essentials: Enjoy 5% cashback on utility bills (electricity, gas, DTH, mobile recharges) via Google Pay—no upper limit!
- Dining and Rides Perks: 4% cashback on Ola, Zomato, and Swiggy spends, plus 20% off at partner restaurants.
- General Rewards: 2% cashback on all other transactions.
- Travel and Convenience: Fuel surcharge waiver, four complimentary domestic airport lounge visits per year, and easy EMI conversions for up to 2,500 transactions.
- Extra Fun: Scratch cards for bonus cash on Google Pay usage.
Fees
Joining fee: ₹499 + 18% GST. Annual fee: ₹499 + 18% GST (waived on ₹10,000 spend within 45 days or ₹2,00,000 annual spend).
Eligibility
Ages 18-70 with proof of income.
2. Flipkart Axis Bank Credit Card: Shopaholic’s Dream for Online Deals
Perfect for e-commerce lovers, this card amplifies savings on Flipkart, Myntra, and beyond.
Welcome Offer
Receive Flipkart vouchers worth ₹500 and up to 15% cashback (max ₹500) on your first Myntra purchase.
Key Features and Benefits
- E-Commerce Bonanza: 5% unlimited cashback on Flipkart, 2GUD, and Myntra.
- Lifestyle Perks: 20% discount on dining at partner restaurants, fuel surcharge waiver, and four free domestic lounge visits annually.
- Entertainment Boost: Three-month Gaana Plus subscription for ₹399 and 20% off (up to ₹500) on Plum Goodness products.
- Endless Rewards: Unlimited cashback across categories for seamless savings.
Fees
Joining fee: ₹500 + 18% GST. Annual fee: ₹500 + 18% GST (waived on ₹2,00,000 annual spend).
Eligibility
Ages 18-70 with proof of income and address.
3. SimplyCLICK SBI Credit Card: Online Shopping Superstar
Designed for digital natives, this card rewards your clicks with points that add up quickly.
Welcome Offer
Get an Amazon gift voucher worth ₹500 upon card activation.
Key Features and Benefits
- Partner Rewards: 10X points on online spends with partners like Amazon, BookMyShow, Cleartrip, and more.
- Everyday Online Perks: 2.5 points per ₹100 on general online shopping; 1.5 points on other purchases.
- Flexibility: Balance transfer at lower interest rates and easy EMI options.
- Value-Added: The welcome voucher effectively covers the joining fee.
Fees
Joining fee: ₹499 + taxes. Annual fee: ₹499 + taxes (waived on ₹1,00,000 annual spend).
Eligibility
Ages 18-60. Salaried: ₹20,000 monthly income; Self-employed: ₹30,000 monthly.
4. HDFC Millennia Credit Card: Cashback for Modern Spenders
A versatile card that turns points into real cash, great for those who love straightforward rewards.
Welcome Offer
Earn 1,000 CashPoints upon paying the annual fee.
Key Features and Benefits
- High Cashback: 5% on partner brands; redeem CashPoints at ₹1 each for statement credits.
- Redemption Ease: Use points to offset your bill directly at the end of each cycle.
- Protection: Zero liability on lost cards if reported within 24 hours.
- Dining Delights: Access to the Good Food Trail program for exclusive offers at select restaurants.
Fees
Joining and annual fee: ₹1,000 + taxes.
Eligibility
Salaried (21-40 years): ₹35,000+ monthly income. Self-employed: ₹6 lakh annual income.
5. American Express SmartEarn™ Credit Card: Smart Rewards for Beginners
Entry-level luxury with low fees, ideal for building credit while earning perks.
Welcome Offer
₹500 statement credit after spending ₹10,000 in 90 days.
Key Features and Benefits
- Milestone Rewards: Amazon vouchers worth ₹500 at spends of ₹1.20 lakh, ₹1.80 lakh, and ₹2.40 lakh annually.
- EMI Flexibility: Convert bills to EMIs at 14% interest with no processing fees.
- Security: Zero liability for lost cards and emergency replacement worldwide.
- General Perks: Competitive reward points on everyday spends.
Fees
No joining fee. Annual fee: ₹495 + 18% GST (waived on ₹40,000 previous year spend).
Eligibility
Individual: ₹4.5 lakh+ annual income. Self-employed: ₹6 lakh+.
6. HDFC Regalia Credit Card: Premium Travel and Insurance Perks
For frequent flyers and globetrotters, offering high-end benefits without the hassle.
Welcome Offer
2,500 reward points on joining and fee payment (if applicable).
Key Features and Benefits
- Insurance Coverage: Up to ₹1 crore for air accidents, ₹15 lakh for overseas hospitalization, and ₹9 lakh for lost cards.
- Lounge Access: 12 domestic and 6 international visits via Dineout Passport.
- Forex Savings: Low 2% markup on foreign transactions.
- Luxury Touches: Tailored for high spenders with comprehensive protection.
Fees
Joining fee: ₹2,500 + 18% GST. Annual fee: ₹2,500 + 18% GST (waived on ₹3 lakh previous year spend).
Eligibility
Salaried (21-60 years): ₹70,000 monthly. Self-employed (21-65): ₹8.4 lakh annual.
7. SBI SimplySAVE Credit Card: Offline Shopping Savior
Focuses on in-store rewards, perfect for dining, movies, and groceries.
Welcome Offer
2,000 bonus points on ₹2,000+ spend in first 60 days.
Key Features and Benefits
- Offline Boost: 10X points on all offline purchases (₹2.5 per ₹100), no cap.
- Youth-Friendly: Geared toward entertainment and shopping enthusiasts.
Fees
Joining fee: ₹499 + taxes. Annual fee: ₹499 + taxes (waived on ₹1 lakh annual spend).
Eligibility
Aimed at young users; specific income not detailed, but easy for entry-level applicants.
8. SBI Card PRIME: Milestone Rewards for Everyday Luxury
A premium option with vouchers and points for groceries, dining, and more.
Welcome Offer
₹3,000 e-gift voucher from brands like Aditya Birla Fashion or Shoppers Stop.
Key Features and Benefits
- Category Rewards: ₹2.5 per ₹100 on dining, groceries, movies; ₹0.5 on others.
- Milestones: Benefits after ₹50,000 spend.
- Variants: Available in Visa, Mastercard, or Amex for flexibility.
Fees
Joining fee: ₹2,999 + taxes. Annual fee: ₹2,999 + taxes (waived on ₹3 lakh spend).
Eligibility
Salaried (21-55): Standard income. Self-employed (21-70).
9. RBL Bank ShopRite Credit Card: Grocery and Entertainment Focus
Budget-friendly with rewards on essentials and fun outings.
Welcome Offer
2,000 points on any purchase within 30 days.
Key Features and Benefits
- Grocery Perks: 20 points per ₹100 (max 1,000/month).
- Fuel and Movies: Surcharge waiver, 10% cashback on BookMyShow tickets (up to 15/year).
- Fuel Rewards: Points on fuel spends.
Fees
No joining fee. Annual fee: ₹500 + 18% GST.
Eligibility
Ages 21-70, regular income, credit score 750+.
10. ICICI Coral Credit Card: Milestone Points for Online Savvy Users
Great for pre-approved ICICI customers, with lounge access and online deals.
Welcome Offer
None specified.
Key Features and Benefits
- Points System: 2 PAYBACK points per ₹100; milestones up to 10,000 points on ₹2 lakh+ spend.
- Travel Perks: One railway lounge visit per quarter.
- Online Offers: Special deals on Amazon, Tata Cliq; no points on fuel.
Fees
Joining fee: ₹500 + GST (sometimes waived). Annual fee: ₹500 + 5% GST (waived on ₹1.5 lakh previous spend).
Eligibility
Often pre-approved for ICICI account holders; easy for existing customers.
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FAQ: Your Credit Card Questions Answered
These cards have straightforward eligibility like basic income proof and age requirements, often with waivers for fees, making them accessible for most adults with a stable income.
Most have GST on fees, but annual charges are often waived with minimum spends. Always review forex markup for international use.
Yes, most issuers like Axis, SBI, HDFC, and ICICI allow quick online applications with instant approvals for eligible users.
Start with secured cards or improve your score first. Cards like RBL ShopRite require a 750+ score, but others are more lenient.
Assess your spending—opt for cashback on utilities (e.g., Axis ACE) or online shopping (SimplyCLICK). Check fee waivers based on your annual spend.
All provide zero liability for lost/stolen cards if reported promptly, plus insurance on select ones.
In conpclusion, these credit cards cater to various needs, from cashback enthusiasts to travel lovers, ensuring you get more from your money. Apply wisely and spend responsibly for a rewarding financial future. (Word count: 1,248)
