I’m searching for a life time free & no annual fee credit card that still provides decent cashback, reward points, and other perks like dining or entertainment discounts. With my ₹60,000 monthly income, are cards like ICICI Amazon Pay or HSBC Cashback suitable, or should I look for alternatives with similar benefits?
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There are several LTF cards for a Rs, 60,000 monthly salary in India-
HSBC platinum credit card-
Benefits-
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Earn 2 Reward points for every INR150 you spend with your HSBC Platinum Credit Card.
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HSBC Visa Platinum cardholders get 5X the reward points on any purchase made after spending INR 4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
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You can save on fuel as well, with HSBC’s credit card
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You can convert your points into air miles with Air India, Etihad Airways, British Airways and Singapore Airlines.
Charges
Interest Charges- 3.3% p.m.
Amazon Pay ICICI Credit Card-
Benefits-
- Earn 5x Points (for prime members) or 3x( for non-prime members) and 2x(for other merchants) on every ₹100 spent on Amazon.
Eligibility Criteria-
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Age- Above 18+ years
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Income- Above Rs. 25,000 for ICICI bank users and Rs. 35,000 for non- ICICI customers
Other charges-
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Interest charges are 3.75% p.m.
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Late bills payment can range between Rs. 100 to Rs. 1300, depending on the amount
ICICI Bank Platinum Chip Credit Card-
Benefits-
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Receive 2 PAYBACK Points when you spend Rs.100 for retail purchases.
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You will get 1% fuel surcharge waiver on fuel expenditure that of Rs.4,000 and above at HPCL petrol pumps.
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Save up to 15% and more on all dining experiences with the ICICI Bank Culinary Treats programme.
Charges-
- Intrest Charges- 3.40% p.m