Best free credit cards 2021: how is it useful for you?

Best free credit cards 2021: how is it useful for you?
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Credit cards usually come with joining and annual fees that differ from issuer to issuer. But did you know? There are several free credit cards available in the market too. Free credit cards often don’t have an annual fee, and the joining fee is very affordable too. And while the annual fee is not that big a concern, it can end up being considerably high for the more premium credit card variants.

But a quick google search and you will realize that there are simply way too many options to choose from. The availability of hundreds of credit cards offered by various issuers in the market makes it an overwhelming task. 

Of course, a little bit of patience and thorough research can go a long way in helping you choose. It is, therefore, advisable to carry out a careful comparison between your options before applying for a credit card. 

Well, we are here to make the process of credit cards apply easier for you and that’s why we’ve put together a list of the best free credit cards that you can get your hands on:

1.Bajaj Finserv RBL Bank Supercard

The Bajaj Finserv RBL Bank Supercard is an amazing co-branded offering from Bajaj Finserv and RBL Bank. It brings the power of four cards – credit, loan, cash, and EMI in a single product. You can make big-ticket purchases by converting them into EMIs, get an instant emergency loan at a 1.16% credit card interest rate, withdraw cash from the ATM at zero interest and a lot more. 

Moreover, with the SuperCard, you can save up to Rs. 55,000 annually while also enjoying some amazing rewards, discounts, and cashback offers. These innovative features and industry-first benefits make it one of the best free credit cards available in the market today. 

2.ICICI Bank Platinum Chip Credit Card

If you’re looking for a free credit card that also offers some great features and benefits, then you should check out ICICI Bank Platinum Chip Credit Card. Especially if you are someone who uses credit cards less frequently. With zero joining and annual fees, this card offers 15% off on dining out bills, a fuel surcharge waiver of 1% at Hindustan Petroleum Corporation Limited fuel stations, and 2 PAYBACK reward points for every Rs. 100 spent. The ICICI Bank Platinum Chip Credit Card is a great option if you have only recently started using credit cards. 

3.HSBC Visa Platinum Credit Card

One of the most prominent features of the HSBC Visa Platinum Credit card is that the more you spend, the more reward points you earn. So, not only do you earn 2 reward points per Rs. 150 spent, but also earn 5X reward points once you cross the Rs. 4,00,000 mark (up to Rs. 10,00,000) in a year. 

Apart from the fact that there is no joining or annual fee involved, HSBC Visa Platinum Credit Card also offers a fuel surcharge waiver and movie tickets worth Rs. 500 if the monthly spend breaches the Rs. 50,000 mark. 

4.Standard Chartered Platinum Rewards Card 

Another great free credit card that you can consider for a credit card application is the Standard Chartered Platinum Rewards Card. As the name suggests, this credit card offers exclusive reward points that can be redeemed for several lifestyle categories. With this card in your wallet, you can not only save on all the dine-out expenses but also earn 5X reward points against every Rs. 150 spent at fine-dine restaurants. Not just that, you can also earn 5X reward points for spending every Rs. 150 at any fuel station. 

This is a great credit card for you if you are a salaried person with a monthly income of over Rs. 25,000 from a government or private job. 

5.Citibank Rewards Domestic Credit Card

If you are on the lookout for a lifetime free credit card that can make shopping even more rewarding for you, you should consider choosing CitiBank Rewards Domestic Credit Card. With this card, you get many perks such as instant loans, 15% savings on partnered restaurants, easy payment plans, online shopping, and more. 

This free credit card offers over 6000 discount offers across various spends such as shopping, movies, dining out, etc. And the reward points that you earn can be easily redeemed both online and offline. But the best part? These reward points never expire! You can redeem them whenever you feel the need to. 

 

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