Best FREE Credit Card 2026 || Best Credit Cards For Beginners

Summary

This video highlights the best lifetime free credit cards across six key categories: cashback, food delivery and groceries, UPI spends, travel, online shopping, and overall. The video discusses standout cards such as the Amazon Pay ICICI for cashback, Swiggy HDFC for food delivery, CreditPay Yes Bank for UPI spends, AU ExGo for travel, and JP Edge Plus for online shopping. It covers the benefits, rewards, and eligibility criteria for each card, helping viewers choose the right card for their needs. The video emphasizes ease of application, cashback offers, and exclusive bonuses for users.

Takeaways

• 😀 Amazon Pay ICICI card offers 5% cashback for Prime users on Amazon with no cap, making it a favorite among users for online shopping.
• 😀 The Swiggy HDFC credit card offers 10% cashback on food orders, groceries, and dining, with a ₹1500 cap per month, making it one of the best in the food delivery category.
• 😀 Credit Pay Yes Bank card offers 3% cashback on all UPI spends, and it's one of the most competitive cards for UPI transactions, with no cap until 2026.
• 😀 Super Money card offers 5% cashback on selected platforms like Myntra, but has a restrictive cashback system with a ₹500 monthly cap on UPI transactions.
• 😀 The AU ExGo credit card offers complimentary lounge access, a 2.5% return on online/offline spends, and ₹1000/month discounts on flights and hotels when booked through ExGo.
• 😀 JP Edge Plus card provides 10% cashback on select brands like Flipkart and Myntra, with a maximum ₹1500 cashback cap per month.
• 😀 The Credit Pay Yes Bank Ass-to-Pay card is considered the overall best for cashback across categories, with a straightforward reward structure and a ₹1000 joining bonus.
• 😀 ICICI Amazon Pay card is still one of the few cards offering 2% cashback on insurance payments, making it a good choice for insurance-related spends.
• 😀 The HDFC Swiggy card also offers 5% cashback on online spends, including popular platforms like Myntra, Amazon, and Uber, making it versatile for various purchases.
• 😀 For the best travel-related benefits, the AU ExGo card offers zero forex markup on international transactions and rewards for both online and offline spends, making it a solid choice for travelers.

Q & A

What were the credit card options like in 2020, and how have they changed over time?

In 2020, there were only a limited number of lifetime-free credit cards, and banks took this category quite casually. Only 10 to 15 cards existed, with a few decent options like Amazon ICICI, Axis, and Flipkart cards. Over time, especially after UPI integration, banks have taken this category seriously, and the number of options has rapidly increased.

Why did banks start taking lifetime-free credit cards seriously?

Banks began taking lifetime-free credit cards seriously because of the integration of UPI with credit cards. This linkage changed the trajectory of credit cards significantly, making the category more valuable and practical for users.

What is the best lifetime-free credit card for cashback?

The best lifetime-free credit card for cashback is the Amazon Pay ICICI Credit Card. It offers 5% cashback for Prime users on Amazon with no cap, 3% cashback for non-Prime users, and 2% cashback with select Amazon merchants like Danzo, MyTrip, and Uber.

What are the benefits of the Amazon Pay ICICI Credit Card?

The Amazon Pay ICICI Credit Card offers 5% cashback for Prime users, 3% for non-Prime users, and 2% cashback with Amazon merchant partners. Additionally, it provides 1% cashback on most payments, except for fuel and gold, and offers 2% cashback on insurance payments.

What are the eligibility requirements for the Amazon Pay ICICI Credit Card?

To apply for the Amazon Pay ICICI Credit Card, if you are an ICICI bank customer, your monthly salary should be ₹25,000. If you're not a customer, the required salary is ₹35,000.

Which card is best for online food delivery and grocery shopping?

The best lifetime-free credit card for online food delivery and grocery shopping is the Swiggy HDFC Credit Card. It offers 10% cashback on food orders, grocery shopping, and dining, with a monthly cap of ₹1500, and 5% cashback on online spends from platforms like NYkaa, Myntra, Amazon, and Uber.

What are the requirements to get the Swiggy HDFC Credit Card?

To apply for the Swiggy HDFC Credit Card, you must have a minimum monthly salary of ₹25,000, and a civil score of 700+.

Why is the CreditPay Yes Bank Card recommended for UPI spend?

The CreditPay Yes Bank card is recommended for UPI spends because it offers 3% cashback on all UPI transactions with no cap (as of 2026), which is higher than most other UPI-linked credit cards. Additionally, if your monthly spend exceeds ₹25,000, you can earn 5% cashback on UPI transactions.

How does the SuperMoney Credit Card compare to CreditPay for UPI transactions?

While SuperMoney offers 5% cashback on UPI transactions, it has restrictions with a monthly cap of ₹500. In contrast, CreditPay offers 3% cashback on UPI spends without a cap (upgraded to 5% for high spenders). CreditPay also allows additional benefits like digital gold cashback.

What are the benefits of the AU ExGo Credit Card for travel?

The AU ExGo Credit Card offers complimentary domestic lounge access with a ₹20,000 spend over a quarter, one complimentary international lounge access, zero forex markup on international transactions, and reward points that can be converted into cashback or vouchers. Additionally, it provides discounts of up to ₹1000 on flights and hotel bookings through ExGo platforms.

Which card is the best for online shopping?

The JP Edge Plus card is currently one of the best for online shopping. It offers 10% cashback on selected brands like Flipkart, Myntra, Ajio, and others, with a maximum of ₹500 cashback per brand per month. Overall, you can earn up to ₹1500 per month from all the brands combined.

What are the drawbacks of the JP Edge Plus card?

A major drawback of the JP Edge Plus card is that cashback is awarded in the form of 'jewels,' which need to be converted into cash or vouchers. This adds an extra step compared to cards that offer direct cashback. However, the card still offers great benefits in terms of cashback for online shopping.