There are several types of credit cards available in the market featuring attractive benefits in various ways. These unique features and perks help the users reduce the overall cost of possessing the credit card. We generally look for credit cards that can cost us the minimum availing rates. The following is a list of cards that are customer friendly and can help save additional cost of maintaining and procuring them.
1. Central Bank of India Titanium Credit Card This titanium credit card users are free from paying any annual fee to avail the card. The users can further withdraw instant cash from any ATM in India.
2. Vijaya Bank Platinum Credit Card This credit card lets the users withdraw instant cash from any MasterCard ATM in India. The withdrawal limit is up to 50% of the total credit limit. The daily limit for withdrawal is Rs. 25,000. In case the user does not avail this facility, he gets an interest-free credit period up to 50 days.
3. IndusInd Bank Pinnacle Credit Card IndusInd Bank has an amazing offering with incredible welcome offers suiting every individual's lifestyle needs. These card users enjoy free annual renewal as no annual fee applies.
4. HSBC Bank Platinum Credit Card Accepted globally, this is an unusual choice to make. This credit card is accepted in more than 18 million outlets with over 1 lakh outlets within the country. The Credit Cardholders are charged no annual fee or joining charges.
5. HSBC Bank Gold credit card With instant access to money requirements at more than 1 million ATMs in India, this is another great credit card offer by HSBC. One can make cash withdrawals at any MasterCard, VISA PLUS or Cirrus ATM India as well as abroad. The card can be used at over 18 million merchant outlets worldwide with access to over 1 lakh outlets in India. There is no joining or annual fee applied to these cards.
6. HSBC Advance Visa Platinum Card This is a mere and convenient to use credit card with no obligation of any joining or annual fee. Any addition to the card also will cost you no additional charges.
7. The PNB Global Classic Credit Card This credit card works at any outlet accepting Visa cards throughout the world. Users can withdraw cash from ATMs that accept Visa cards in India as well as around the globe. Customers can enjoy a free credit period of 20 – 50 days if payments due are paid timely before the deadline. No annual fee is applicable on these cards.
8. Canara Bank Global Gold Credit Card This is a credit card where a joining fee of Rs. 250 is applicable but has no annual fee payments. Customers can enjoy a number of facilities on this card such as cash advances, surcharge waivers, revolving credit, free insurance coverage, etc.
9. Canara Visa Classic and Mastercard Standard Card There is no joining or annual fee applicable for Visa Classic or MasterCard Standard Credit Cards. Users enjoy exclusive benefits without paying any subscription fee. The family members of the users can avail add-on cards without any annual fee. However, the members should be 18 years and above for the add-on feature.
10. Dhanlaxmi Bank Gold Credit Card No joining or annual fee is charged on the Dhanlaxmi Bank Gold Credit Card. This card again has add-on facilities that can be availed by the family members of the cardholders. No fee shall be charged on the original as well as the add-on cards.
11. Dhanlaxmi Bank Platinum Credit Card Dhanlaxmi Bank offers its prime Platinum Credit card at the customers' convenience. It does not charge any joining or annual fee. The family members of the card holder can get the add-on card facilities without any added cost. Users can enjoy benefits such as purchase protection, lost card liability coverage, free accident insurance, etc. the interest rates applicable are just 1.5% each month when you carry forward your outstanding balance.
12. Indian Bank Global Classic Credit Card Indian Bank introduces Global Classic Credit Card without any joining or annual fee applicable to the customer. Add on card facility can be availed by the family members of the holder at the rate of Rs. 100. The bank charges an interest of 1.99% per month and also offers an interest-free credit period of 15 – 45 days.
13. Indian Bank Global Gold Credit Card This credit card again has no joining or annual fee applicable on the customer. The card holder can avail add—on card facilities for his family members. The add-on cards can be availed by paying Rs. 250 per card. An insurance coverage can be availed with the card.
14. Indian Bank VISA Business Credit CardIndian Bank offers a VISA Business Credit Card with no joining or annual fee charges. SMEs and corporates can apply for a maximum for 5 cards in a unit for their employees. The credit limit depends on the security coverage, audited financials and brand recommendations. 20% credit limit is offered as cash advance at desirable interest rates. Users also get an interest free credit period ranging from 15 – 45 days. Else, the interest rates applicable is 1.99% only.
15. LIC Corporation Bank Platinum EMV Credit Card LIC offers its Platinum credit card at free of cost. No annual fee is further applicable for renewal. Add-ons can be availed for the family members at a price of Rs. 200 per add-on. However, one add-on is free post which charges are applicable.
16. LIC Corporation Bank Gold Credit Card The Gold credit card by LIC corporation is free of any annual, joining and renewal fee. It applies an interest rate of 2.75% per month and 33% per annum on the outstanding amount carry forwarded.
17. LIC Corporation Bank Platinum Credit Card This is exclusively for the LIC Agents, LIC employees and LIC policy holders. No joining or annual fee is applicable. The card is valid for 5 years from the date of issue.
