Low-interest rate Credit CardsLow-interest rate Credit Cards

Simmy Pandey

June 6, 2025

Table of Content

Low-interest rate credit cards make huge equalizations a small more sensible. If you carry a adjust from one month to another, a moo APR loans + write for us Credit card is a great choice for you. Beneath Moo APR Credit cards, the intrigued rate charged each month is moo and the residency is long. It makes keeping credit cards reasonable. The intrigued rate ranges between 1.5% to 3% per month is considered as low-interest rate credit cards.

Benefits of low-interest credit cards:

Save more on the yearly fee

These cards carrying a low-annual charge than most of the other credit cards.

Save on interest

The credit card offers you a low-interest rate, if the cardholder chooses to utilize the rollover credit office, at that point the intrigued that happened on the credit card charge is much lesser. It works best in those cases when an person is not able to pay the whole credit card charge in one month, intrigued required on the extraordinary will not be exorbitant.

The lower yearly rate rate

The Low-Interest credit cards are advertising a lower yearly rate rate. This empowers those having credit cards with moo intrigued to proceed to get the same indeed after the basic period ends.

Helpful in managing with credit card debts

Using low-interest credit cards one can pay off the collected credit card debt.

Best Low-interest Credit Cards

HDFC Infinia Credit Card

The HDFC Infinia Credit Card is one the best low-interest rate credit card i.e.,2.5%. The HDFC Infinia credit card does not have pre-set credit card constrain. It is an all-around substitute for all cash exchanges and offers you boundless benefits, benefits, and offers among a wide run of categories.

Joining Charge – Rs 10,000

Renewal Charge- Rs 10,000

Key Highlights of HDFC Bank Infinia Credit Card

Enjoy complimentary airplane terminal relax get to as a portion of the Need Pass Participation and MasterCard Relax get to program.

Earn 5 compensate focuses on each 150 spent

Best-in-class feasting benefits. You can spare up to a least of 15% over more than 3000 restaurants.

Complimentary enrollment at Club Marriott.

Free golf diversions at driving golf courses in Disability Policy India & elite get to to select golf courses worldwide

Lowest outside money markup.

Priority client service

First-class protections approaches and card protection.

Makes you appreciate an interest-free period of up to 50 days

The essential cardholder can too pull back up to 40% of the credit restrain without any cash withdrawal charges.

The remunerate focuses have a lifetime of 3 a long time from the date of accumulation.

YES To begin with Elite Credit Card

Among all the YES bank credit cards, this card is charging one of the most reduced intrigued rates. The intrigued rate per month is 1.99% and for a year is 23.99%. It is one of the best premium credit cards given to those who are winning Rs 1.50 Lakh per month. This card is extraordinary for all-around utilization as it offers relax get to, motion picture offers, golf benefits, and much more.

Annual expense- Rs. 9,999 + GST (postponed off on investing INR 6 Lakhs in a year)

Features of YES To begin with Select Credit Card

Earn 50,000 remunerate focuses, if a cardholder makes the to begin with exchange done inside 90 days of card issuance.

Get 25000 reward remunerate focuses, if a cardholder is investing 20 Lakh every year utilizing the card.

Earn 12 Compensate Focuses per Rs. 100 went through on Travel and Dining

Earn 6 Remunerate Focuses per Rs. 100 went through on other categories

Earn 1,000 Remunerate Focuses when Enrolling for YES PayNow (Standing informational facility)

Enjoy boundless get to to MasterCard residential lounges.

Free need pass participation and boundless visits to worldwide lounges.

Insurance scope of Rs 3 Crore in case of end in-flight accidents

Coverage for the exceptional adjust on the credit card in case of passing due to an accident

Foreign Cash mark-up expense of 1.75% of the executed amount.

To begin with Citizen Citi Credit Card

The Citi Bank in collaboration with the Customer Halt has propelled a co-brand credit card known as To begin with Citizen Credit Card. It offers rewards and benefits to the steadfast client customer halt. It is moreover one of the low-interest rate credit cards of Citi bank. The intrigued rate required on this card is 2.5% per month.

Annual Expense- Rs 500( Deferred off on investing Rs 30,000 on the enrollment year)

Cash charge- 2.5% on the sum pulled back with subject to a least of Rs. 500

Features of To begin with Citizen Credit Card

Get welcome vouchers worth Rs. 2050. Recover vouchers in Customers Halt and Domestic Stop

Reward Points

Earn 7 to begin with citizen remunerate focuses on each Rs 100 went through at Customers Halt for private name brands

Earn 5 To begin with Citizen Compensate focuses on Rs 100 Went through at Customers Halt for other brands

1 To begin with Citizen Point is earned per Rs. 100 went through elsewhere

Makes you spare 15% on eating bills

HDFC Formal attire Credit Card

The HDFC Formal attire Cred Card is best suited for those who wish to get great value-back on all their investing in the shape of remunerate focuses and, at the same time, spare on their travel costs. It is accessible at a moo standard intrigued rate of 3.6% p.m. and a 2.5% cash progress fee.

Annual Expense: Rs. 2,500 (switched on investing Rs. 3 Lakh in the past year)

Features of HDFC Formal attire Credit Card

On investing of least Rs 75000 in the to begin with 3 months utilizing credit card exchanges, you will get a complimentary yearly Zomato Pro-membership.

Earn get 4 compensate focuses per Rs.150 on all retail spend, counting protections, utilities, instruction, and rent.

Milestone benefits: 10,000 reward remunerate focuses (Rs. 5,000) on investing Rs.5 lakhs in the commemoration year.

low outside trade markup expense of 2% only

Travel concierge administrations 24×7

SBI Advantage Additionally Credit Card

The SBI advantage additionally Credit card is moreover one of the low-rate credit cards advertised by the State bank of India exacting intrigued 2.25%per month on the credit card charge if you are carrying it to the following month. It is a essential card advertised to clients who are looking to get their to begin with SBI credit card. This card comes at a least yearly expense and joining expense and is uncommonly curated for all your shopping needs. The card is acknowledged around the world and offers a few other benefits as well.

Annual Expense – Rs 500

Interest-free period – 45 Days

Features of SBI Advantage Furthermore Credit Card:

The SBI Advantage Additionally credit card is acknowledged all over the world at more than 1 million MasterCard or Visa ATMs.

You will too be able to change over your buys made with the SBI Advantage Furthermore credit card into EMI with Flexipay. The least buy sum ought to be Rs 2500 from the credit card.

Avail of simple charge installment facilities

One of the best adjust exchange credit cards in India accessible at the low-interest rates.

On a least exchange sum of Rs.30,000, get a rebate of 10% on your worldwide flight bookings on MakeMyTrip.

Having a credit card with a moo intrigued rate works best for those looking to purchase a few costly things through the utilize of credit cards.

Meta Title: Low-interest rate Credit CardsLow-interest rate Credit Cards
Meta Description: The credit card offers you a low-interest rate, if the cardholder chooses to utilize the rollover credit office, at that point the intrigued that happened on the credit card charge is much lesser. It works best in those cases when an person is not able to pay the whole credit card charge in one month, intrigued required on the extraordinary will not be exorbitant.
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