Lifetime-Free
AmEx Payback
Get 1% rewards with welcome points and fuel waiver—ideal for first-timers seeking AmEx perks.
Annual Fee
Lifetime-free
Rewards
2 Payback points/₹100
Lounge Access
No
Fuel Waiver
1%
Milestone
None
Best For
First-timers
Welcome Offer
1,000 bonus points
Type
Lifetime-Free
Description
Earn 1% rewards (2 Payback points/₹100) plus 1,000 welcome points. Includes 1% fuel waiver (₹500 cap). No lounge access. Unique points system makes it good for first-timers wanting AmEx benefits.
Lifetime-Free Card Comparison
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Zero-fee budget card with 1% rewards and fuel waiver—perfect for cost-conscious users.
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ABC Nxt & ABC Flex Credit Cards
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Fi SimpliFi
SimpliFi is a secured credit card (backed by a fixed deposit or FD) from Federal Bank in partnership with Fi. It’s aimed at people who are new to credit, don’t have a credit score, or want a simple/no‑fee card. You don’t need proof of income, and you get rewards especially on weekend spends.
Citibank SimpliCity Credit Card
You get the Citi Rewards card to earn extra reward points especially when you shop at apparel and departmental stores — 10 points for every ₹125 you spend there. On all other purchases, you earn 1 point per ₹125.
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