Top 5 minimalist credit cards for smart spenders
17 Feb 2025

When you are a minimalist, choosing the right credit card becomes a bit of an art.

It's about finding one that offers simplicity, aligns with your everyday spending habits, and doesn't bombard you with unnecessary features.

Here, we have listed five such credit cards in India that offer practical benefits without the complexity.

Simplify your spending with SBI Simply Save
Daily essentials

The SBI Simply Save Credit Card is perfect for individuals seeking rewards on everyday spending without the burden of high fees.

It provides reward points on dining, groceries, and movies, plus a fuel surcharge waiver.

The annual fee is easily waived by meeting spending milestones.

And, at a joining fee of only ₹499, it's attractive for minimalists seeking simple rewards.

Maximize Amazon purchases with ICICI Amazon Pay Card
Online shopping

For frequent Amazon shoppers and loyal Prime members, the ICICI Amazon Pay Credit Card is a must-have. It provides a 5% return on Amazon purchases, making shopping experiences more enjoyable without the hassle.

Being a lifetime free card, you don't have to worry about annual fees. Its direct benefits are perfect for minimalists looking to streamline their financial tools, this card fits seamlessly into a minimalist lifestyle.

Cashback simplified with HDFC MoneyBack+
Cashback rewards

The HDFC MoneyBack+ Credit Card is perfect for people who want cashback, not points.

It offers 10X CashPoints at partner brands such as Flipkart and Reliance Smart SuperStore.

At a minimal joining fee of ₹500 plus taxes and a straightforward cashback system, this card is ideal for minimalists who want real rewards without the fuss.

Practical perks with Axis Bank Select
Everyday benefits

The Axis Bank SELECT Credit Card is a premium yet minimalist-friendly option with its straightforward rewards structure.

Enjoy double EDGE Reward Points on retail transactions and a welcome benefit worth ₹2,000. Plus, discounts on BigBasket and Swiggy add everyday value.

At ₹3,000 for both joining and annual fees, it's perfect for those seeking practical benefits without the fuss.

Streamline e-commerce spending with YES BANK PaisaBazaar PaisaSave
Key considerations for minimalist lifestyle advocates

The Yes Bank Paisabazaar PaisaSave Credit Card gives you 3% back on online spends and 1.5% back everywhere else, even on UPI transactions.

There's no joining fee and a low annual fee of just ₹499, making it affordable for minimalists.

This card keeps cashback simple, perfect for those who want easy rewards without the hassle of extra fees.