I know you always search for cashback credit cards. But I think you will definitely like cashback credit cards with no annual fee. Explore the 5 best cashback credit cards with no annual fee. These cards add more pleasure to your lifestyle.
The 5 Best Cashback Credit Cards No Annual Fee
| Credit Card | Cashback Points | Annual Fee | Joining Fee |
| Shoppers Stop HDFC Bank Credit Card | 6 First Citizen Points on Private Bands and 2 First Citizen Points on Rs. 150 spends | Lifetime Free | NIL |
| SBI Unnati Credit Card | Get 1 reward points on Rs. 100 spent | First 4 years NIL, from 5th year Rs. 499 | NIL |
| ICICI Bank Platinum Chip Credit Card | Redeem 2 reward points on Rs. 100 spend | NIL | NIL |
| HSBC Visa Platinum credit card | Benefits of 2X reward points on Rs. 150 spent and 5X reward points on crossing the spending limit of Rs. 4 Lakh | Lifetime Free | Lifetime Free |
| Amazon Pay ICICI Bank Credit Card | 1% cashback on all types of transactions and 5% cashback on Amazon Prime membership | No Charges | No Charges |
Shoppers Stop HDFC Bank Credit Card
Shoppers Stop basically designed for shopping-related customers. This HDFC co-branded credit card gives you complementary shoppers stop membership. Unlock the welcome benefits and rewards for shopping-related purchases.
Joining Fee: NIL
Annual Fee: NIL
Welcome Benefits
Rs. 500 welcome gifts are available if you spend Rs. 3,000 at shoppers stop stores.
Features and Rewards Points
- Available 6 First Citizen Points on Private bands on a spent minimum of Rs. 150.
- Get 2 First Citizen Points on other bands at Rs. 150 spend.
- Earn 2000 First Citizen Points on annually 2 lakh spend.
- Redeem 1% fuel charge on all fuel stations.
- Make UPI payments with your Repay Credit Card.
Eligibility Criteria
Check the Shoppers Stop HDFC Bank Credit Card eligibility criteria before applying:
Self Employed
- Age: 21 to 65 years
- Income on the ITR file should be 6 lakh or more
Salaried Person
- Age: 21 to 60 years
- The monthly salary should be Rs. 20,000 or more
SBI Unnati Credit Card
SBI Unnati Credit Card is offered based on SBI fixed deposit. The minimum fixed deposit of Rs. 25,000 is needed by the State Bank of India for this credit card. The shopping lover customers get 1 reward point for every Rs. 100 spent.
Joining Fee: NIL
Annual Fee: First 4 years NIL, from 5th year Rs. 499
Welcome Benefits
No welcome benefits are available with the SBI Unnati Card.
Features and Rewards Points
- Available 1 reward points on every Rs. 100 spent in all categories.
- Unlock Rs. 500 cashback on achieving Rs. 50,000 yearly spending.
- 1% fuel charge waiver on transactions between Rs. 500 to s. 3000.
- Discount on top brands such as Zomato, Xiaomi, Ajio, MakeMyTrip, Amazon, ClearTrip, Samsung, Yatra, etc.
Eligibility Criteria
- Indian Residence Only
- Age: 18 to 65 years
- Everyone must open a fixed deposit of Rs. 25,000 or more with SBI Bank.
ICICI Bank Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card is one of the best cashback credit cards with zero annual charges. You can unlock 2 reward points on purchases. Also, take benefits of fuel charge waiver, discount on dinner and movie, etc.
Joining Fee: NIL
Annual Fee: NIL
Welcome Benefits
ICICI Bank Platinum Chip Credit Card does not offer a welcome gift.
Features and Rewards Points
- 2 reward points on a minimum Rs. 100 retail transaction.
- 1 reward point on Rs. 100 spent insurance & utilities category.
- Benefits of 1% fuel charge waiver exclusively available at all HPCL stations.
- Save up to 15% on dining expenses using the ICICI Bank Culinary Treats.
Eligibility Criteria
- Required Age: 23 to 60 years
- Must be a source of income
- Decent Credit Score: 730+
HSBC Visa Platinum Credit Card
Whenever you choose HSBC credit card, go to HSBC Visa Platinum Credit Card. Get the welcome gift of a Rs. 500 Amazon Voucher. Also, convert the total purchase amount with 6, 12,18, and 24 months tenure. This card is available with zero joining & renewal charges.
Joining Fee: NIL
Annual Fee: NIL
Welcome Benefits
Value of Rs. 500 Amazon Voucher, 3 airport lounge access that is complimentary for all, 50% discount on first transaction with Gpay.
Features and Rewards Points
- Available 3 free airport lounge access.
- Benefits of 2X reward points on Rs. 150 transaction.
- 1 free movie ticket on 1 ticket purchase on BookMyShow.
- Get 5X rewards on yearly spending of Rs. 4 lakh.
- A 50% discount is available on the first Gpay transaction.
- Free 1% fuel waiver charge.
Eligibility Criteria
- The age should be between 18 to 65 years.
- Self-employed people can apply if they have a savings/current account in HSBC.
- A salaried person with Rs. 4 lakh annual income can apply.
- Your residence cities should be available there for applying for this card: Mumbai, Delhi, Pune, Bengaluru, Chennai, Hyderabad, Noida, Gurgaon, and Kolkata.
Amazon Pay ICICI Bank Credit Card
One of the popular co-branded credit cards for shopping by ICICI Bank and Amazon India. This card offers 5% cashback on Amazon shopping and 1% cashback for all offline and online shopping. Also, take benefits of lifetime free.
Joining Fee: NIL
Annual Fee: NIL
Welcome Benefits
No welcome benefits are available
Features and Rewards Points
- Exclusive 5% cash back for Amazon Prime membership.
- Exclusive 3% cashback for Amazon non-prime membership.
- 1% cashback for all offline and online purchases.
- A 1% fuel charge waiver is available on this card.
- Receive a 15% discount on bill payments at all participating restaurants within ICICI Bank’s Culinary Treats program.
- No cost EMI facility is available on Amazon minimum purchase of Rs. 3,000 or more.
Eligibility Criteria
- Need Age: 18 to 60 years
- Salaried or Self Employed can apply
- ICICI Bank customer minimum monthly income Rs. 25,000 and other Bank customers’ minimum monthly income Rs. 35,000 required.
- CIBIL Score should be good enough
How to Choose the Best Cashback Credit Card
Credit Card one of the important luxury accessories to our daily lifestyles. Also, credit cards are linked with your financial stability and credit score. Let’s check how to pick up the best cashback credit card for yourself.
- Joining fees and Annual charges
- Where to use credit cards for online or offline purchases.
- How many reward points are available on every transaction?
- Discounts on others such as movie ticket purchase, dining, etc.
FAQs on Cashback Credit Cards No Annual Fee
What are the lists of 5 cashback credit cards with no annual fee?
24hr Loan comes with 5 best cashback credit cards with zero annual charges. You may pick the right one for yourself.
1) Shoppers Stop HDFC Bank Credit Card
2) SBI Unnati Credit Card
3) ICICI Bank Platinum Chip Credit Card
4) HSBC Visa Platinum credit card
5) Amazon Pay ICICI Bank Credit Card
Most of the cards are available with zero annual and joining charges. Compare the best one and apply to get one.
How much cashback is available on ICICI Bank Platinum Chip Card?
Redeem 2 reward points on Rs. 100 spent with a 1% fuel charge waiver and other benefits.
Can anyone get an SBI Unnati Credit Card?
If you reach the age of 18 years, you are eligible for SBI Unnati Card. But you have to deposit the minimum fixed amount of Rs. 25,000 with SBI Bank.
I really love online shopping. Which credit card is best for me?
We provide all cashback credit cards for shopping such as Shoppers Stop HDFC Bank Credit Card, ICICI Bank Platinum Chip Credit Card, SBI Unnati Credit Card, etc. But if you are an Amazon lover, Amazon Pay ICICI Bank Credit Card is a good choice for you.