Zero Annual Fee Cashback Credit Cards to Apply For

Introduction

Are you looking for cashback credit cards without worrying about annual fees Zero annual fee cashback credit cards offer significant savings, especially for budget-conscious users. These cards allow you to earn cashback on everyday expenses like shopping, fuel, and dining without the added cost of maintenance fees.

To explore more cashback options, visit Cashback Credit Cards: Maximize Savings.

Top Zero Annual Fee Cashback Credit Cards

Amazon Pay ICICI Credit Card

• Annual Fee: None.
• Key Features:
  • 5% cashback on Amazon for Prime members, 3% for non-Prime members.
  • 1% cashback on all other spends.
  • Unlimited cashback with no expiry.
• Why Choose: Perfect for frequent online shoppers and Amazon users.

Learn more about cashback benefits on our Cashback vs. Rewards Credit Cards page.

Flipkart Axis Bank Credit Card

• Annual Fee: 500 (waived on spending 2 lakh annually).
• Key Features:
  • 5% cashback on Flipkart and Myntra.
  • 4% cashback on preferred merchants like Swiggy, Uber, and PVR.
  • 1.5% cashback on all other spends.
• Why Choose: A fantastic choice for regular Flipkart and Myntra shoppers.

HSBC Cashback Credit Card

• Annual Fee: None for the first year.
• Key Features:
  • 1.5% cashback on online spends.
  • 1% cashback on offline spends.
  • No minimum spend requirement for cashback eligibility.
• Why Choose: Ideal for users who prioritize flexibility in online and offline transactions.

Benefits of Zero Annual Fee Cashback Credit Cards

1. Cost-Effective:
   Save money as you earn cashback without incurring annual fees.
2. Everyday Rewards:
   Enjoy savings on essential spends like groceries, fuel, and dining.
3. Budget-Friendly:
   Zero fee ensures that every rupee earned in cashback is a true saving.
4. Beginner-Friendly:
   These cards are ideal for first-time credit card users who want to explore benefits without upfront costs.

How to Choose the Best Zero Annual Fee Cashback Credit Card

• Spending Habits:
  Opt for the Amazon Pay ICICI Credit Card if you frequently shop online.
• Merchant Preferences:
  If Flipkart or Myntra is your go-to platform, the Flipkart Axis Bank Credit Card is an excellent choice.
• Flexibility:
  For versatile cashback on online and offline spends, the HSBC Cashback Credit Card is highly recommended.

FAQs: Zero Annual Fee Cashback Credit Cards

Q: Are zero annual fee cards truly free?
Yes, these cards do not charge an annual fee, ensuring that you save on maintenance costs while enjoying cashback benefits.

Q: Do zero annual fee cards offer premium perks?
While they focus on cost-effectiveness, some cards like the HSBC Cashback Credit Card provide a mix of flexibility and rewards.

Q: Can beginners apply for zero annual fee cashback cards?
Yes, cards like the SBI Unnati Credit Card are designed for beginners and those building a credit history.

Q: Which is the best zero fee card for online shopping?
The Amazon Pay ICICI Credit Card is an excellent choice for online shopping enthusiasts.