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amazon pay icici credit card recent changes

Amazon Pay ICICI Credit Card: Did Your Card Really Got Better?

September 15, 2025

Amazon Pay ICICI Credit Card The Amazon Pay ICICI Credit Card has long been celebrated as one of India’s most popular co-branded credit cards, with over 5 million customers. Its appeal lies in a simple, transparent rewards system and the promise of a lifetime free card with unlimited cashback. However, a recent renewal of the partnership between Amazon Pay and ICICI Bank has brought significant changes that every cardholder should be aware of. While the bank and Amazon position these changes as an “enhancement,” the reality is more nuanced. Amazon Pay ICICI Credit Card: Benefits The Amazon Pay ICICI card was a popular choice for both online and offline spending. No Annual or Joining Fees: The card is lifetime free, meaning there are no joining or annual fees. Welcome Benefits: Many Welcome Benefits worth 2,000 on signup. (Shopping/Utility Rewards) High Cashback on Amazon: It provides unlimited 5% cashback on all Amazon India purchases for Prime members and 3% for non-Prime members. Other Cashback Rates: Cardholders could earn unlimited 2% cashback on all utility payments and transactions with Amazon Pay merchant partners and 1% cashback on all other online/offline spends outside of Amazon. Fuel Surcharge Waiver: It offered a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000. Know More! Recent Changes: A Breakdown The email received from them focuses on the positive changes, but a deeper look reveals some significant devaluations for a large number of users. Effective October 11, 2025, the Amazon Pay ICICI Bank Credit Card will have these changes: What Became Better: Reduced Forex Markup: For those who travel or make international purchases, this is a clear win. The forex markup on international transactions has been reduced from 3.5% to just 1.99%. Travel Cashback: Prime members can now enjoy 5% unlimited cashback on flights and hotels booked via Amazon Pay, while non-Prime members get 3%. What Became Worse (Devaluations): Loss of Universal 1% Cashback: The most significant negative change is the expansion of the exclusion list for cashback. Previously, the card’s universal 1% cashback on other spends outside of Amazon made it a great general-purpose card. Now, a wide range of categories, including rent, tax, education, and utilities, are explicitly excluded from earning any cashback. This is a major devaluation for many users who relied on the card for these specific types of payments. Similar Credit Card Alternatives If the Amazon Pay ICICI card no longer meets your needs, especially for general spending, here are some alternatives worth considering. SBI Cashback Card: A strong contender for online shoppers. Offers a flat 5% cashback on all online spends, without any merchant restrictions. 1% cashback on offline transactions. The Card offers maximum 5,000 cashback/month. The cashback is auto-credited to your account, so there is no hassle of point conversion. Annual fee of Rs. 999, which is waived if you spend Rs. 2 lakh in the previous year. Flipkart Axis Bank Credit Card: A direct alternative for those who prefer Flipkart. It comes with welcome benefits worth Rs 1,250. Offers 5% and 7.5% cashback on Flipkart and Myntra, and 4% cashback on partner merchants like Swiggy, Uber, and PVR. Flat 1% unlimited cashback on all other spends. The cashback is directly credited to the credit card account and offers a maximum cashback of up to Rs 4,000/month. Enjoy all these benefits for just Rs 500 as a joining fee and Rs 500 annually (which can be waived off on annual spends over Rs 3.5 lakh). Swiggy HDFC Credit Card: This is an all-rounder credit card. 10% cashback on Swiggy Food, Instamart, Dineout and Genie up to Rs 1,500/month. Flat 5% Cashback on 1000s online platforms: Fashion, cabs, electronics, movies and more (Note: It offers 1% cashback on competitor segment apps like Zepto, Zomato, etc. excluding Amazon & Flipkart on any shopping including grocery.) 1% Cashback on other spends at offline stores and other food, grocery and dining apps Welcome Benefit: Swiggy One Membership All these benefits for No Joining Fees and Annual Fees of Rs 500/month and the cashback is directly credited into the account. Credit Card Conclusion While the Amazon Pay ICICI Bank Credit Card remains a great option for its core purpose—shopping on Amazon and now for international travel—it has lost its standing as a solid, all-purpose cashback card. The new exclusions on categories like rent, taxes and utilities are a significant drawback for many users. The card’s value is now more specialized, and for those seeking a more versatile cashback card, competitors like the SBI Cashback Card, Flipkart Axis Bank Credit Card and HDFC Swiggy Credit Card offer a great value proposition. We hope you liked this detailed blog post on the recent changes in the Amazon Pay ICICI Bank Credit Card. Also, read our latest blog know more about the Swiggy HDFC Bank Credit Card, its benefits and a detailed review on it. Keep Spending! Keep Saving!

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Cred Launches 18 Carat Gold Credit Card | IndusInd RuPay Card

September 15, 2025

Cred Launches 18 Carat Gold Credit Card: Sovereign for the Ultra-Wealthy Kunal Shah’s Cred launches 2 credit cards for its users. The fintech brand trusted by India’s top credit scorers, has raised the bar for luxury in finance. In collaboration with IndusInd Bank, the company has unveiled Sovereign, an invite-only 18-Carat Gold Credit Card. This exclusive launch is part of Cred’s new “Yosemite” release, which goes beyond bill payments to offer premium lifestyle benefits, wealth-building tools, and luxury travel privileges. Along with that, they have also introduced an IndusInd Cred RuPay Credit Card available for all its users. Before we begin, if you haven’t signed up for the Cred App yet then you can signup for the app with our Cred Invite Link. Sovereign Card: What Makes It Special? The Sovereign card isn’t just a symbol of wealth—it’s a gateway to an elite lifestyle. Issued on the RuPay EKAA platform with IndusInd Bank, the card comes packed with rare privileges: Key Benefits of the Sovereign Card Luxury Concierge ServicesAccess private jets, helicopters, and yachts, along with priority visa concierge services. Exclusive Access to Global EventsVIP entry to Wimbledon, the Olympics, Formula One races, and world-famous fashion weeks in Paris, Milan, London, and New York. Private Cultural AccessOn-demand, private tours of renowned museums and art galleries across the globe. Premium Investment OpportunitiesSyndicated access to early-stage startup deals alongside top angel investors. Elite Airline & Hotel StatusComplimentary upgrades to Singapore Airlines Solitaire, Emirates Platinum, Hilton Diamond, and Marriott Ambassador. Health & WellnessGlobal medical coverage, international telemedicine, and a 1-year subscription to Bryan Johnson’s Blueprint longevity program. Cred’s Wider Play: Not Just for the Ultra-Rich Alongside Sovereign, Cred also introduced a co-branded IndusInd Bank RuPay credit card for a broader audience. Benefits of the Cred-IndusInd Credit Card No Joining Fee 5% rewards on online purchases 1% rewards on offline & UPI payments via Cred Scan & Pay Every Reward Point is equal to a rupee and can be redeemed across more than 500 CRED Pay merchants, 2000 products on CRED Store, flights, and more. Similar Co-branded Cards: 5% Cashback on Online Spends SBI Cashback Credit Card Flipkart Axis Credit Card Swiggy HDFC Bank Credit Card FAQs on Cred’s 18 Carat Gold Credit Card 1. Who can get Cred’s 18 carat gold credit card?The Sovereign, Cred’s 18 Carat Gold Credit Card is invite-only and aimed at India’s ultra-wealthy with high credit scores. 2. Is there a joining fee for the Sovereign card?Cred hasn’t disclosed the fee, but given its exclusivity, it is expected to be premium. 3. What makes the Sovereign card different?Unlike regular credit cards, it offers access to private jets, VIP global events, startup investments, and elite travel memberships. 4. Can I apply for the Sovereign card?No. It’s invitation-based only. Cred will reach out to select members who qualify. 5. What about regular users?Cred has also launched a free co-branded IndusInd credit card with 5% rewards on online shopping. Final Thoughts With the launch of Sovereign, Cred is redefining what luxury in finance looks like. The 18-carat gold credit card isn’t just about its shiny appeal—it’s a ticket to an ultra-exclusive world of privilege. At the same time, Cred is broadening its appeal with a lifetime free rewards (RuPay) credit card, fixed deposits, and digital gold investments, making its ecosystem useful for both the ultra-rich and everyday users. But if you haven’t signed up for the Cred App yet you can signup with our invite link shared below. Signup for Cred We hope you liked this blog post and we would recommend you to also read our blog Best Credit Cards for Shopping | Top 4 Co-branded Credit Cards. Disclaimer: This blog may contain affiliate links but it doesn’t affect our review and rankings.

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iPhone 16 Best Deal: Get iPhone 16 Under Rs 50,000 | Sept’25

September 13, 2025

iPhone 16 Best Deal: Get iPhone 16 Under Rs 50,000 The wait is over! If you’ve been dreaming of owning the iPhone 16 without spending a fortune, your patience is about to pay off. As part of Flipkart’s Big Billion Days Sale, the highly sought-after iPhone 16 (128GB) is set to be available for a jaw-dropping price of Rs 48,499. This isn’t just an iPhone 16 best deal; it’s the biggest iPhone discount of the year. The Deal: iPhone 16 at just ₹48,499 Flipkart has revealed the iPhone 16 best deal to be live during the Flipkart’s Big Billion Days Sale. It is an exclusive offer for Flipkart Axis Bank Credit Card holders that brings the price of the iPhone 16 down to an unbelievable ₹48,499. This is an effective price that combines a significant flat discount with the special bank offer. Here’s how the pricing works: Offer Component Amount (₹) Flipkart Sale Deal Price ₹51,999 Instant Discount –₹1,053 Cashback (5% via Card) –₹2,547 Final Price ₹48,399 Effective Price = ₹48,499* The Big Billion Days Sale officially starts on September 23rd, 2025. However, Flipkart Plus and Black members will get early access starting on September 22nd. This is your chance to beat the rush and secure the phone before stocks run out. Key Benefits: Flipkart Axis Bank Credit Card This card is more than just a tool for festival sales; it’s a long-term savings partner for online shopping. Here are some of its core benefits: Flat 5% Cashback on Flipkart: You get 5% cashback upto Rs 4,000/month on all your purchases on the Flipkart platform. This cashback is credited directly to your credit card statement, not as a voucher or store credit. Up to 7.5% Cashback on Myntra: Enjoy up to 7.5% cashback on all your shopping sprees on Myntra. 4% Cashback on Partner Merchants: The benefits extend beyond Flipkart. Get 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit. Unlimited 1% Cashback: Offline transactions and all other eligible transactions outside of the partner list still earn you an unlimited 1% cashback. Enjoy all these benefits with an annual fee of Rs 500 that can be waived off on annual spends over Rs 3.5 lakh. This card is a must-have for anyone who frequently shops online and especially from Flipkart. Apply for the Flipkart Axis Bank Credit Card and get Gift Vouchers worth Rs 1250, from Flipkart, on signup and to get the best deal on the iPhone 16. Apply Now! Hey, we hope you found this blog post insightful. Alternatively, if you are looking for more of an all rounder cashback card that gives 5% cashback on all your online spends then you may apply for the SBI Cashback Credit Card. We would also recommend you to read our last blog to discover our top 5 recommended best credit cards that offer airport/railway lounges for free. Previous Blog: Top 5 Lifetime Free Credit Cards with Lounge Access Disclaimer: This blog may contain affiliate links but it doesn’t affect our reviews/rankings.

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Top 5 Lifetime Free Credit Cards with Lounge Access

5 Best Lifetime Free Credit Cards with Lounge Access | Oct’2025

September 11, 2025

Our Top 5 Lifetime Free Credit Cards with Lounge Access in India! We all love the comfort of lounge while travelling, but who wants to pay an annual fee for it? This guide reveals the top 5 lifetime free credit cards that offer complimentary lounge access. We’ve done the research to help you find the perfect card for your travel needs, without any annual charges. Get ready to elevate your journey—for free. Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. List of Top 5 Lifetime Free Credit Cards with Lounge Access: HDFC Tata Neu Infinity Credit Card Indusind Tiger Credit Card IDFC First Select Credit Card Ixigo AU Credit Card Federal Scapia Credit Card Cult Comparison Table Credit Cult Conclusion #Best: HDFC Tata Neu Infinity Credit Card Key Features: 8 Domestic & 4 International Lounge Access 10% Valueback on Shopping (Neu App) 5% Valueback on Recharge and Bills 20% Valueback during PayDay Sale 1.5% Cashback on Neu UPI (RuPay Variant) You may get LTF (Annual Fees: 1499 + GST) Apply Now Other Features Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid) 2 Domestic and 1 International Lounge Access are offered every quarter on spending minimum Rs 50,000 in the last quarter. Milestone Benefits are often offered by HDFC NeuPass Rewards Program (Often ran during TATA IPL) 1.5% Cashback on EMI spends at TATA Brands Joining Fees: 0 & Annual Fees: Rs 1499 1% Fuel Surcharge Waiver #If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees. Pros & Cons Pros: You may get it as Lifetime Free Credit Card Best Valueback on TATA Brands (especially spends through TATA Neu App) Best Valueback on Utilities Payment Payments through UPI and Cashback on it Cons: You may not get it as Lifetime Free Credit Card Railway Lounge Access is not offered No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more) #2. IndusInd Tiger Credit Card Key Features: Lifetime Free Credit Card 2 Domestic Lounge Access per Quarter 2 International Lounge Access per Year No minimum spend required for Lounge One Complimentary Movie Ticket up to Rs 500, available once every 6 months Apply Now Other Features 1 Complimentary Golf game per quarter Up to 6 Accelerated RPs for every Rs 100 spent Pros & Cons Pros: Offers both Domestic and International Lounge Access No minimum spend requirement for Lounge Lifetime free Complimentary Movie Tickets offered Cons: Railway Lounge Access is not available No online shopping benefits No benefit on payment of Utilities #3. IDFC First Select Credit Card Key Features: Lifetime Free Credit Card 4 Railway Lounge Access every quarter 2 Domestic Airport Lounge every quarter Welcome Benefit: 500 on spend of 15,000 B1G1 movie ticket offer, twice every month 5% cashback on your first EMI transaction (within first 90 days) Apply Now Other Features 10X reward points on all transactions you make on your birthday 15% off at 3,000 plus health and wellness outlets Enjoy free Road Side Assistance (RSA) of up to Rs.1,399 Pros & Cons Pros: Only Lifetime Free Card also offering Railway Lounge Access Welcome Benefit of Rs 500 on a spend of Rs 15,000 Cons: No International Lounge Access Offered Does not offer good Valueback on online/offline shopping Does not offer valueback on Utility payments #4. Ixigo AU Credit Card Key Features: Lifetime Free Credit Card 2 Domestic Lounge per Quarter 1 International Lounge per year 8 Railway lounge access visits per year Lounge available on minimum spending of Rs 20,000/Quarter 5% reward points on all online spends Apply Now Other Features Rs 1000 Ixigo money on first transaction within first 30 days Zero Forex Markup Fee Pros & Cons Pros: Great Valueback offered under the Around You offer segment Lifetime free card Get it against FD if not credit history Occasional Exclusive Deals are offered Enhanced security through app based transaction approvals and card control Cons: Milestone based lounge access Does not offer valueback on Utility payments #5. Federal Scapia Credit Card Key Features: Lifetime Free Travel Card Unlimited domestic lounge, complimentary dining, shopping or spa (Milestone-based) 10% reward on online & offline spend Zero forex markup on all international transactions Apply Now Other Features Unlimited Airport benefits are offered on spending ₹10,000 on VISA or ₹15,000 on Rupay card every month. Pros & Cons Pros: Just a Lifetime Free Travel Credit Card Cons: No good Valueback on other spends No valueback on Utilities payments No International Airport or Railway lounge benefits Cult Comparison Table Credit Cult Conclusion Among them the HDFC Tata Neu Infinity Credit Card stands out offering not just travel benefits but 10% value back within Tata Neu App. But if, you are looking a credit card just for Travel/Lounge Needs then AU Ixigo Credit Card stands out covering all the aspects of travel benefits. In conclusion, while all five credit cards offer enough free lounge access, your ideal choice depends entirely on your spending habits and travel style. Whether you want an all-rounder like Tata Neu Infinity Credit Card or a credit card offering all lounges in one like AU Ixigo Credit Card. Remember to use the card responsibly and pay off your balance in full each month to avoid interest charges. Happy spending! Hey Readers, We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. For additional insights, don’t miss our exclusive post where we reveal the best credit card in India that offers railway lounge access. It’s a fantastic option if you’re looking for complimentary lounge benefits. Happy reading, and enjoy your journey with the right credit card! – Saurabh, Credit Cult

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HDFC Bank Swiggy Credit Card – India’s Popular Cashback Card

September 7, 2025

HDFC Bank Swiggy Credit Card: Is It the Right Choice for Your Wallet? In an age where online shopping and food delivery are a part of daily life, having a credit card that rewards you for these spends is a game-changer. The HDFC Bank Swiggy Credit Card has quickly emerged as a top contender in the Indian market, offering a compelling cashback structure that goes beyond just food delivery. In this detailed review, we’ll break down everything you need to know about this popular co-branded card. We’ll explore its key features, analyze its pros and cons, and help you decide if it’s the perfect fit for your spending habits. Let’s dive in! HDFC Bank Swiggy Credit Card: Key Features & Benefits The HDFC Bank Swiggy Credit Card is designed for the digital-savvy user, with a focus on delivering high cashback on a wide range of online transactions. Accelerated Cashback on Swiggy: 10% Cashback on all your transactions within the Swiggy app, including Swiggy Food, Instamart, Dineout, and Genie. Maximum Cashback: Capped at ₹1,500 per billing cycle. High Cashback on Online Spends: 5% Cashback on a broad range of online shopping categories, including electronics, apparel, department stores, and more. This benefit works on popular e-commerce platforms like Amazon, Flipkart, Myntra, and cab services like Ola and Uber. Maximum Cashback: Capped at ₹1,500 per billing cycle. Base Cashback on All Other Spends: 1% Cashback on all other eligible spends, both online and offline. Maximum Cashback: Capped at ₹500 per billing cycle. Welcome & Renewal Benefits: Complimentary 3-Month Swiggy One Membership as a welcome benefit upon card activation. Annual Fee Waiver if your total annual spends exceed ₹2 Lakh. Additional Benefits: As a Mastercard World card, it offers a suite of global benefits, including access to golf courses and lessons (as per Mastercard’s program terms). IMPORTANT NOTE: This credit card doesn’t provide 5% cashback on core competing categories, Online Food & Grocery Delivery Category. Which means one would get 1% cashback on spends on apps like Zomato, Big Basket, Blinkit, Zepto, etc.But, Amazon and Flipkart are the only exceptions as the card provides 5% cashback even on grocery spends on both platforms. Pros & Cons: A Balanced View To help you make an informed decision, here’s a quick summary of the card’s advantages and limitations. Pros Cons High Cashback Rates: A fantastic 10% on Swiggy and 5% on online shopping are among the best in the market for a card in this segment. Cashback Caps: The monthly caps on cashback limit your total earnings, which might not be ideal for high spenders. Versatile Cashback: The 5% online cashback category is broad, making this a great all-purpose card for online shopping. MCC-Based Exclusions: The 5% cashback is tied to specific merchant category codes (MCCs), and certain categories like flight/hotel bookings are excluded. Low Annual Fee: The fee of ₹500 + GST is easily offset by the welcome benefits and can be waived with a reasonable spending of Rs 2 Lakh. No Airport Lounge Access: The card does not offer complimentary airport lounge access, a common feature on many similar cards. Simple Redemption: Cashback is automatically credited to your credit card statement, simplifying the redemption process. Exclusions: Fuel, EMI, rent, and wallet reloads do not earn any cashback. Credit Cult Conclusion: Is The HDFC Swiggy Card Underrated? While the HDFC Swiggy Credit Card has gained significant popularity, it’s still often viewed as a niche card for Swiggy users. However, its true value lies in the broad 5% cashback on general online spends, which makes it a direct and powerful competitor to other leading cashback cards in the market. For a customer who spends regularly on Swiggy and has a significant portion of their monthly budget allocated to online shopping, this card offers one of the best value propositions in its category. If you’re a frequent online shopper, especially if you also use Swiggy, this card is a definite must-have. Its low fee and high cashback potential make it an excellent choice for a primary or secondary card in your wallet. Especially, if this is offered to you as a lifetime free card then this credit card is a must have. Apply Now! Hey Readers, We hope you find this post useful but here is more, if you apply for the card and join our telegram channel then we will give you a bonus reward once we have validated your signup. If you are looking for the best all rounder cashback credit card then try out HDFC Tata Neu Credit Card too and use referral code SAUR1137 on signup. Checkout more about the HDFC Tata Neu Credit Card. Happy Investing! Telegram

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5 Best Lifetime Free Credit Cards in India

August 7, 2024

5 Best Lifetime Free Credit Cards in India! Credit cards have revolutionized the way we manage our finances, but do you know what’s even better? Lifetime free credit cards. Imagine enjoying all the benefits of a credit card without ever paying a joining or annual fee. With hundreds of options available, how do you choose the best one? To save you time and effort, this post ranks the top 5 lifetime free credit cards in India. Each of these cards offers unique perks and rewards, ensuring you get the most value without any hidden costs. Don’t miss out on our Credit Cult conclusion section for final insights. Let’s dive in! Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. List of 5 Best Lifetime Free Credit Cards: HDFC Tata Neu Infinity Credit Card Amazon Pay ICICI Credit Card IDFC First Select Credit Card ICICI Platinum Chip Credit Card OneCard Credit Card FAQs Risks and Benefits of Credit Cards Credit Cult Recommendation Credit Cult Conclusion #Best: HDFC Tata Neu Infinity Credit Card Key Features: 10% Valueback on Shopping (Neu App) 5% Valueback on Recharge and Bills 20% Valueback during PayDay Sale UPI spends + 1% Cashback (RuPay Variant) Complimentary Airport Lounge Access You may get LTF Credit Card (Fees: 1499) Apply Now Other Features Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid) Milestone Benefits are often offered by HDFC NeuPass Rewards Program (Often ran during TATA IPL) 1.5% Cashback on EMI spends at TATA Brands Joining Fees & Annual Fees: Rs 1499 1% Fuel Surcharge Waiver #If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees. Pros & Cons Pros: You may get it as Lifetime Free Credit Card Best Valueback on TATA Brands (especially spends through TATA Neu App) Best Valueback on Utilities Payment Payments through UPI and Cashback on it Cons: You may not get it as Lifetime Free Credit Card No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more) #2. Amazon Pay ICICI Credit Card Key Features: 5% Valueback on Amazon Shopping (3% Valueback, if not a prime member) 2% Valueback on Recharge and Bills Welcome Benefits: Amazon Prime, Other Complimentary Offers worth Rs 1,500/more No Airport Lounge Access Apply Now Other Features 2% Valueback on spends on partner brands like Yatra, BookMyShow, Faasos, etc. 1% Valueback on other spends Occasionally, special rewards are offered by Amazon 3/6 months No-cost-EMI and Amazon Shopping 1% waiver on fuel surcharge Pros & Cons Pros: Great welcome benefits at Nil joining fee High cashback rate for Prime members Multiple associated partners, spends on these earn 2% cashback Lifetime free No cap on cashback earning Cashback is directly credited as Amazon Pay Includes everyday spends like wallet reloads, bill payments for cashback earning Cons: Zero benefits on travel, entertainment or any other category apart from shopping Not suited for international usage as foreign currency mark-up fee is high (3.5%) Low cashback rate for non-prime holder Benefits of ICICI Bank Credit Card are not applicable on this card (So, no good offers on other E-commerce brands) #3. IDFC First Select Credit Card Key Features: Only Lifetime Free Credit Card offering Railway Lounge Access (4/Quarter) Welcome Benefit: 500 on spend of 15,000 B1G1 movie ticket offer, twice every month 5% cashback on your first EMI transaction (within first 90 days) Airport Lounge Access (4/Quarter) Apply Now Other Features 10X reward points on all transactions you make on your birthday 15% off at 3,000 plus health and wellness outlets Enjoy free Road Side Assistance (RSA) of up to Rs.1,399 Pros & Cons Pros: Lifetime Free Card Only Lifetime Free Card offering Railway Lounge Access Welcome Benefit of Rs 500 on a spend of Rs 15,000 Cons: Does not offer good Valueback on online/offline shopping Does not offer valueback on Utility payments #4. ICICI Platinum Chip Credit Card Key Features: A Must have card for Instant Discount on E-commerce Sales (Amazon, Flipkart, Croma, and more) 15-20% off on spends at partner restaurants No Other Benefits like Lounge Access, Utilities Bill Payment Offers Apply Now Other Features Fuel surcharge waiver of 1% No other benefits. Recommended just because I have noticed that recently ICICI is offering great discount on shopping from almost all E-commerce platforms using ICICI Bank Credit Cards (Except co-branded credit cards). Pros & Cons Pros: Instant Discount and Cashback offers on almost all E-commerce brands Lifetime Free Cons: No good Valueback on other spends No valueback on Utilities payments No Airport/Railway lounge benefits #5. OneCard Credit Card Key Features: 10-30% Valueback on stores around you (Grocery, QSR, Pharmacy, Fuel and more) Around 1% Valueback on Online Spends No Lounge Access Discounts offered on Amazon-Croma Sales Valueback on Gift Card Purchase A #MetalCard Zero Forex Fee Apply Now Other Features Exclusive Deals are offered Special Sale cashbacks under Ticking Deals Segment Travel Benefits Available OneCard’s SBM Card allows customers to get credit card against FD. Best to build a credit score. Pros & Cons Pros: Great Valueback offered under the Around You offer segment Lifetime free card Get it against FD if not credit history Occasional Exclusive Deals are offered Enhanced security through app based transaction approvals and card control Cons: No Airport/Railway Lounge Access Bank Credit Card offers are not applicable No good valueback on Utility payments Credit Cult Recommendation 3 Lifetime Free Credit Cards Owned by Me All 5 of them are the Free Gems. I own 3 of them and soon will apply for the other 2 credit cards. But, if you want the best then go for HDFC’s Tata Neu Infinity Credit Card even if you don’t get it as a Lifetime Free Credit

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