Free Credit Cards
Searching for the best free credit cards? With so many options available, finding a card that offers value without hidden costs can be tricky. The good news? There are top-tier credit cards with zero annual fees that still offer great rewards, cashback, and benefits. In this article, we’ll help you explore some of the best free credit card options to make your spending smarter and more rewarding!
Recommend: Get Free Amazon Pay ICICI Credit Card {2025}
The Best Credit Cards You Should Apply In 2022
1. Amazon Pay ICICI Bank Free Credit Cards
If you’re searching for credit with a Zero Annual Fee here is the best choice. The best part is one doesn’t need to pay any annual or renewal fee. Apart from these benefits, one gets Amazon Pay Cashback by applying for this card. Prime members get Rs.500 amazon pay cashback and non-prime members get Rs.300 as amazon pays cashback. You also get up to 5% cashback on every spends or purchase through it. Best Free Credit Cards You Should Apply.
Benefits Of Amazon Pay ICICI Bank Free Credit Cards
- Zero annual fees or joining fee | Free Credit Cards
- Zero caps on the reward points earned on the card
- No expiry date for the reward points earned on the card
- Reward points can be redeemed at more than 100 Amazon Pay partner merchants and Amazon. in
- You’ll Get reward points of up to 5% on purchases – Exclusive for Amazon Prime members
- Get reward points of up to 3% on purchases – For non-Amazon Prime customers
- Also, Earn reward points of up to 2% on transactions made at more than 100 Amazon Pay partner merchants
- Earn reward points of up to 1% on all other payments made using the Amazon Pay ICICI Bank Credit Card
2. AMERICAN EXPRESS PAYBACK CREDIT CARD
The Best Part Of This Card its annual fee is too low. First Year Fee: Rs. 750 plus applicable taxes (Second Year onwards: Rs. 1,500 plus applicable taxes).
- WELCOME GIFT
- Get a Flipkart voucher worth Rs. 7503 on taking 3 transactions within 60 days of Cardmembership
- EARN POINTS
- Earn multiple Points from more than 50 PAYBACK partners2 and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
- MILESTONE BENEFITS
- Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 lacs in a Cardmembership year
- You will earn a Flipkart voucher4 worth Rs. 2,000 on spending Rs. 1.25 lacs in a Cardmembership year. Additionally, you will earn a Flipkart voucher4 worth Rs. 5,000 on spending Rs. 2.5 lacs in a Cardmembership year.
3. Flipkart Axis Bank Free Credit Cards
Flipkart Axis Bank Credit Card unlocks a world where it rains cashback with every transaction. With accelerated cashback across all your favorite categories including travel, shopping, entertainment, and lifestyle, there’s no limit to what you can earn with this card.
Welcome Benefits | Free Credit Cards
- Flipkart Rs. 500 worth Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit card. For terms and conditions, click here For Rs. 500 worth of Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit card. For terms and conditions.
- Goibibo Rs. 500 off on domestic hotel on Goibibo, a minimum booking of Rs. 2,000. For terms and conditions, click here for Rs. 500 off on domestic hotel on Goibibo, a minimum booking of Rs. 2,000. For terms and conditions
- MakeMyTrip Rs. 500 off on domestic hotel on Makemytrip, a minimum booking of Rs. 2,000. For terms and conditions, click here for Rs. 500 off on domestic hotel on Makemytrip, a minimum booking of Rs. 2,000. For terms and conditions
- Myntra 15% cashback up to Rs. 500 on your first transaction on Myntra using Flipkart Axis Bank credit card. For terms and conditions, click here for 15% cashback up to Rs. 500 on your first transaction on Myntra using Flipkart Axis Bank credit card. For terms and conditions
- Rs.500 Off On Domestic hotels on Goibibo on minimum booking of Rs.2000
- Rs.500 Off On Domestic hotels on Makemytrip on minimum booking of Rs.2000.
- Get Rs.15% Cashback on Myntra on 1st transaction using Flipkart axis bank credit card etc.
- Down Sides – Annual Fee Rs.500 + GST only reversed only if you spend 2 lakhs in Year.
- Strong Sides
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- 5% Cashback on Flipkart and Myntra.
- 4% Cashback on partner merchants.
- 1.5% Cashback on all other spendings.
- 4 Free Domestic Airport lounge access per year.
4. SBI SimplyClick Credit Card
It is recommended for shoppers. It gives good discounts and rewards on shopping. This Card is very good for beginners those who spend more on online shopping
Category – Shopping Card
- Annual Fee – Rs.499
- Renewal Fee – Rs.499
- Welcome Gift – Get an Amazon gift card worth Rs 500 on joining
- 2.5% value back on Amazon/BMS/cleartrip/Netmed
- 1.25% value back on other online spending or shopping
- 5% Extra Cashback on spending via SBI Yono (Amazon/Flipkart/etc)
- 10x & 5x reward points capping 10000 per month.
- Offline spending value cash 0.25%.
So I believe that the reward is a little less and the value back of just 0.25% On Offline spending is very less. so I recommended it would be good for beginners.
5. HDFC BANK MILLENIA CREDIT CARD
This credit card is really very good for those who spend a minimum of 1 lakh on online shopping, normal spending, and wallet loading. Best Free Credit Cards You Should Apply.
HDFC Bank Millennia Credit Card Eligibility: For Salaried Indian national
- Age: Min 21 yrs & Max 60 Yrs,
- Income: Gross Monthly Income> ₹25,000
For Self Employed Indian national
- Age: Min 21 yrs & Max 65 Yrs,
- Income: ITR > ₹6.0 Lakhs per annum
Key Features | Good Points
- 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000)
- 2.5% CashBack on all online spends (minimum transaction size of ₹2000)
- 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100)
Extra Advance Features:
- One should have to spend a minimum of Rs.2000 to get cashback. Cashback is given Rs.750 for shopping, Rs.750 for online shopping, and Rs.750 for offline and wallet which I feel a little less.
- So for Redemption of points, one should have a minimum of 2500 points and points validity is for only 1 year. I think this is the major downside of this card.
6. Axis Bank Ace Credit Card
Welcome to the world of unlimited cashback! This card becomes your everyday companion with accelerated cashback on all your spending, Free Credit Cards
Key Features | Good Points
- Get 5% Cashback on utility bill payment via google play.
- Get 4% Cashback on OLA, Swiggy, Zomato, etc
- 2% Cashback on another spending
- Also, Get 4 Free Domestic airports lounge access per year.
Key Features | Bad Points
Annual Fee Rs.499 + GST only reversed if you spend 2 lakh in a year. So the annual fee is good but the spending to reverse GST is a little high according to me.
7. Amex Express Membership Reward Credit Card
It has a good bonus and an AMEX offer. A monthly bonus is very attractive and if you want to hold an Amex Credit card then MRCC is the best card.
Key Features | Good Points
- If you use this card and do at least 4 transactions and each transaction is for a minimum of 1000 then you will get a 1000 membership reward bonus of up to 9.5%. Which is really very attractive.
- Amex gives it extra offers from time to time every month.
- The Charge of the card is quite high. But if you join this card via referral link then charges may decrease.
- No Lounge access facility on this card.
8. Paytm SBI Credit Card
This Card is really good for online shopping users. It gives instant cashback on your Spend. Best Free Credit Cards You Should Apply.
Key Features
- Joining Fee: Rs. 499
- Renewal Fee (per annum): Rs. 499
- 3% Cashback on Paytm Mall, Movies, and Travel
- 2% Cashback on all other purchases on Paytm App
- 1% Cashback on any other spending across millions of offline and online stores
- Get complimentary Paytm First Membership Voucher at renewal on achieving annual retail spends of Rs.1,00,000
- Get an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 1,00,000 on your Paytm SBI Card
- Cashback will not be applicable for spends done on any Wallet Load (Paytm or any other App) as well as fuel spends
- All QR based transactions done through Paytm App using Paytm SBI Card will be categorized under the 1% Cashback category
- Add-on Cards: With your Paytm SBI Card, you can empower your family with add-on cards for your parents, spouse, children, or siblings above the age of 18 years.
Admin Word:
In 2025, choosing the best free credit cards can help you unlock valuable rewards without worrying about annual fees. These cards offer a smart way to manage your finances, earn cashback, and enjoy exclusive perks at zero cost. Pick the one that suits your lifestyle, and start saving while you spend!
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