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Best Credit Card for Budget Cards

Zero or low annual fee cards that deliver real value without burning a hole in your pocket.

LIVING DOCUMENT · Ranked by relevance · 8 cards
1

OneCard

OneCard (FPL Technologies)
ZERO FEE Score: 98/100
5X on top spent categories (auto-detected), 1X on others
FREE
Lifetime free
★★★★ 4.1
2

AU Small Finance LIT

AU Small Finance Bank
ZERO FEE Score: 96/100
Customizable: choose 3 categories for up to 3.5% rewards
FREE
Lifetime free
★★★★ 4.2
3

Kotak 811

Kotak Mahindra Bank
ZERO FEE Score: 95/100
1% cashback on online spends, 0.5% on all other spends
FREE
Lifetime free
★★★½ 3.8
4

ICICI Amazon Pay

ICICI Bank
₹500/yr Score: 85/100
5% on Amazon (Prime), 2% on bill payments, 1% on other spends
₹500
Annual fee
★★★★ 4.3
5

SBI SimplyCLICK

SBI Card
₹499/yr Score: 80/100
10X rewards on Amazon, Cleartrip, Apollo24x7; 1 RP per ₹100 otherwise
₹499
Annual fee
★★★★ 4.2
6

Axis Flipkart

Axis Bank
₹500/yr Score: 75/100
5% on Flipkart/Myntra, 4% on preferred, 1.5% on others
₹500
Annual fee
★★★★ 4.1
7

SBI BPCL

SBI Card
₹499/yr Score: 70/100
13X on BPCL fuel, 5X on dining/movies/grocery, 1X on others
₹499
Annual fee
★★★★ 4
8

RBL ShopRite

RBL Bank
₹500/yr Score: 70/100
5% on grocery (BigBasket, Nature's Basket, DMart); 1% on others
₹500
Annual fee
★★★½ 3.7