As Diwali approaches, the festive spirit is in full swing, and for many, this is the season for shopping. Whether you’re buying gifts for loved ones, upgrading home appliances, or stocking up on festive décor, shopping is an integral part of Diwali preparations. To make your spending smarter and save money, using the right credit card can go a long way. Several credit cards offer exclusive benefits, reward points, cashback, and zero joining or annual fees—perfect for your Diwali shopping needs. Let’s take a look at some of the best zero-fee credit cards that can help you save during this festive season.
1. YES BANK FinBooster Co-branded Credit Card
This card, co-branded with BankBazaar, is a great choice if you’re looking to save money without worrying about extra charges. It comes with no joining fee or annual fee, making it completely free for life.
- Rewards: Earn 10 reward points for every Rs. 200 spent on online dining or household items.
- Other Benefits: You also earn 2 reward points on every Rs. 200 spent on other categories.
- Why It’s Great: Perfect for those who enjoy dining out and prefer shopping for essentials online.
2. RBL Bank BankBazaar SaveMax Credit Card
If you enjoy using platforms like Zomato and BookMyShow, this card offers the best deals for you. With immediate access to Xpress Cash, users can get funds instantly, making it convenient for quick purchases.
- Rewards: 10% cashback on Zomato and BookMyShow, with a maximum of Rs. 100 per month.
- Other Benefits: EMI Infinity Pass offers up to 100% discount on Split n Pay fees.
- Why It’s Great: Offers exclusive benefits on dining and movie bookings with hassle-free money management.
3. Amazon Pay ICICI Credit Card
For avid Amazon shoppers, the Amazon Pay ICICI Credit Card is a must-have. It has no joining or annual fee, and rewards earned can be used across a variety of Amazon Pay partners.
- Rewards: 5% rewards for Amazon Prime members and 3% for non-members on Amazon India purchases.
- Other Benefits: No-cost EMI options for 3 to 6 months on purchases.
- Why It’s Great: The card offers unlimited rewards that don’t expire, ensuring maximum savings on your Diwali purchases.
4. ICICI Platinum Chip Credit Card
With this ICICI card, security and rewards go hand in hand. The chip technology ensures secure transactions, and you can enjoy rewards on every purchase.
- Rewards: 2 reward points for every Rs. 100 spent.
- Other Benefits: Points can be redeemed for a wide range of products.
- Why It’s Great: A good option for those looking for secure transactions while earning rewards on everyday expenses.
5. HSBC Platinum Credit Card
HSBC’s Platinum Credit Card is a versatile option that offers various perks, including fuel discounts and the ability to redeem points for flight miles.
- Rewards: 2 reward points for every Rs. 150 spent.
- Other Benefits: Get up to Rs. 500 cashback after spending Rs. 5,000 within 30 days of card issuance. Convert reward points into air miles for airlines like Club Vistara, Singapore Airlines, and more.
- Why It’s Great: Ideal for frequent travelers looking to save on flights and fuel while shopping during Diwali.
6. IDFC First Select Credit Card
The IDFC First Select Credit Card stands out for its extensive rewards and travel benefits, making it an excellent card for both shopping and travel enthusiasts.
- Rewards: Earn 10x reward points on meeting specific monthly spend requirements, and 3x points on UPI transactions.
- Other Benefits: Free access to domestic airport lounges and minimal forex markups.
- Why It’s Great: Perfect for those who love to travel and shop, offering generous reward points and travel perks.
7. IDFC FIRST Millennia Credit Card
If you’re looking for a card that rewards you for both online and offline shopping, the IDFC FIRST Millennia Credit Card is a solid choice.
- Rewards: Earn 10x reward points if you spend more than Rs. 20,000 on your birthday. 3x reward points are available for transactions under Rs. 20,000.
- Other Benefits: No joining fee, unlimited reward points, and rewards are valid for both online and in-store purchases.
- Why It’s Great: Offers great value with unlimited reward points and bonuses on special occasions like your birthday.
8. Kotak 811 #DreaDifferent Credit Card
Kotak Mahindra Bank’s #DreamDifferent card provides solid cashback and reward points, with the added benefit of zero-interest cash withdrawal for a limited period.
- Rewards: 4 reward points for every Rs. 100 spent online, 1 reward point for every Rs. 100 on other expenses.
- Other Benefits: Cash withdrawal facility up to 90% of the credit limit with no interest for 48 days.
- Why It’s Great: The ability to withdraw cash without interest makes it a good emergency backup during the festive season.
9. AU LIT Credit Card
This card offers excellent rewards on both domestic and international transactions, making it a go-to option for frequent shoppers and travelers.
- Rewards: Earn 5x to 10x reward points on online shopping and offline contactless transactions.
- Other Benefits: You can earn up to 25,000 reward points per statement cycle.
- Why It’s Great: It’s ideal for those who prefer contactless payments and high reward earnings across categories.
10. IndusInd Bank Platinum Credit Card
The IndusInd Bank Platinum Credit Card is a premium option that offers a blend of luxury and utility benefits.
- Rewards: Earn 1.5 reward points for every Rs. 150 spent.
- Other Benefits: 1% fuel surcharge waiver and coverage for flight accidents and lost baggage.
- Why It’s Great: Great for those seeking premium benefits like luxury brand vouchers and insurance coverage along with everyday rewards.
Note: The information provided here is for readers’ reference and may vary based on the bank’s terms and conditions. Make sure to check the latest details from the respective banks to ensure you are aware of any updated fees or offers.
