Top 6 Best Credit Cards with Low Annual Fee

If we talk about credit cards, there is no denying the fact that they are gaining popularity day-by-day. Yes, instead of opting for cash or debit cards, people these days widely use credit cards to make payments either online or offline. And, why not, after all, credit cards not only allow to increase the CIBIL score but give various rewards and lucrative offers.

But as they say, everything comes with its own merits and demerits. And, talking about one of the biggest drawbacks of credit cards, it is nothing but the exorbitant annual fee. Yes, these plastic cards come to you with expensive fees, hence taking a toll on your wallet. But don’t you need to worry as we are here to let you know some of the top 6 credit cards with a low annual fee that can meet your various lifestyle needs. So, what are you waiting for? Read this blog post further…

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ICICI HPCL Coral Credit Card

Reduce your fuel bills by earning maximum rewards

Annual Fee: ₹199

Privileges & Perks

  • Earn 2 PAYBACK points on every purchase worth ₹100 (except fuel)
  • You can redeem 2000 PAYBACK points in a go which would be worth ₹500
  • With every fuel purchase at HPCL, you can earn 2.5% cashback and 1% surcharge waiver
  • A minimum 15% savings on dining at more than 800 restaurants across India, courtesy Culinary Treats Program
  • A cashback of 2.5% on fuel refill at HPCL stations on a minimum transaction of ₹500
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Axis Bank Smart Traveller Credit Card

Get a card that comes with extra travel benefits to make your journeys rewarding

Annual Fee: ₹250 (Can get waived on a spend of ₹2,500 within 45 days)

Privileges & Perks

  • 8 points on every ₹200 spent on the credit card while traveling abroad
  • 4 points for ever ₹200 spent on hotels, holiday packages, airlines, train and bus bookings in India
  • 2 points on every ₹200 spent on the credit card in India
  • 1% fuel surcharge waiver on all fuel transactions in India with an Axis Bank Titanium Credit Card
  • Valid on transactions between ₹400 and ₹4,000 only
  • Maximum benefits up to ₹400* per month
  • Get 15% discount on dining at partner restaurants in India

Standard Chartered Platinum Rewards Card

Get ready to enjoy the best of reward programs with unmatched lifestyle benefits.

Annual Fee: ₹250 (The fee along with the applicable GST will get reversed upon the first transaction made by a customer within 90 days of the card set-up date)

Privileges & Perks

  • Earn 1000 reward points as an activation offer, equivalent to ₹300 worth on BookMyShow vouchers on 360 rewards
  • Get 5X reward points on fuel, dining and other hotel spends in India
  • Earn 1 reward point on every ₹150 spent on other categories
  • 1 reward point equals to ₹0.30
  • Avail 20% cashback on all Uber rides, capped to ₹600 in a month. However, for this to avail,
  • the total monthly spends in a calendar month have to be more than ₹15,000

SimplySAVE SBI Card

Simply spend and simply save with this beautifully looking credit card
Annual Fee:₹499

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Privileges & Perks

  • 10X reward points per ₹100 spent on dining, movies, departmental stores and groceries
  • 2,000 bonus points on achieving spends of ₹2,000 in the first 60 days
  • Annual fee reversal on spending 90,000 and above in a year
  • 1% fuel surcharge waiver across all petrol pumps for transactions between ₹500 – 3,000
  • Earn 1 reward point on every ₹100 that you spend using this card
  • Get ₹100 cashback on your first ATM cash withdrawal

HDFC Moneyback Card

Get cashbacks on everyday spends with HDFC Moneyback Card

Annual Fee: ₹500

Privileges & Perks

  • Get 2x reward points on online spends
  • Spend ₹50,000 in a quarter and get ₹500 e-voucher
  • Redeem rewards as cashbacks
  • 2 reward points on ₹150 spend
  • Enjoy a Fuel Surcharge Waiver of up to 1% on all fuel transactions above ₹ 400
  • Enjoy 50 days long interest-free period from the date of purchase

Citibank Cashback Credit Card

Now paying your bills has never been so rewarding as it is with Citibank Cashback credit card.

Annual Fee: ₹500

Privileges & Perks

  • For purchases up to ₹2,000 pay without entering the pin at the merchant terminals
  • 5% cashback on all movie ticket purchases, subject to a maximum cap of ₹100 per month
  • 5% cashback on all utility bill payments paid through Citibank online bill pay
  • 5% cashback on all telephone bill payments
  • 0.5% cash back on all other spends
  • Up to 15% savings across participating restaurants
  • Simple redemption policy
  • Get redemption in multiple of ₹500
  • Get your cash back conveniently and automatically as a statement credit
  • Multiple repayment options

Personal Loan Interest Rates November 2018
Bajaj Finserv10.99% - 16.00%
Fullerton India14.00% - 33.00%
HDFC Bank11.25% - 21.50%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank12.00% - 17.00%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates November 2018
State Bank of India/SBI8.70% - 9.25%
HDFC8.80% - 9.60%
Bank of Baroda8.65% - 9.65%
LIC Housing8.70% - 9.05%
PNB Housing Finance9.00% - 13.00%
ICICI Bank9.00% - 9.25%
Axis Bank8.80% - 9.05%
Citibank9.00% - 9.85%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank8.90% - 8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 14.00%