Best 0 APR Credit Cards In India July 2025

Looking to avoid paying high interest on your credit card? That’s where 0% APR credit cards come in. These cards offer a zero interest credit period, allowing you to make purchases or transfer balances without worrying about interest charges—for a limited time. Whether you’re planning a big-ticket expense or want to clear an existing balance, the best no APR credit cards can give you the breathing space you need. In this blog, we’ve rounded up the top 0 APR credit cards available in India and shared how they work. If used smartly, these zero interest credit cards can help you save money, reduce debt, and manage your finances more efficiently. Let’s explore the best 0 APR credit cards worth considering this year.

What is a 0% APR Credit Card?

A 0% APR credit card is a special type of card that lets you borrow money for a limited time without paying any interest. APR stands for Annual Percentage Rate, and in simple terms, it’s the interest you’re usually charged when you carry a balance on your credit card.

With no interest credit cards, you get a temporary break—often 3 to 6 months—during which your interest rate is 0%. That means whether you’re making new purchases or transferring a balance, you’re not paying extra in interest during this promo period.

These credit cards 0 interest options are perfect if you want to buy something big or need time to pay off existing dues. Just be sure to clear your balance before the 0% period ends—after that, standard interest rates kick in.

In short, if you’re looking for a credit card for 0 APR, it’s a smart way to manage debt and avoid paying more than you need to.

How Do Zero APR Credit Cards Work in India?

In simple terms, 0 APR credit cards let you borrow money without paying interest for a set period—usually between 3 to 6 months. Whether you’re buying something expensive or transferring an existing balance, these cards offer a window of zero interest, allowing you to manage expenses without extra charges.

While credit cards with 0 interest are more common in global markets, some Indian banks offer similar benefits under names like “introductory offers” or “interest-free EMI periods.” During this time, you don’t pay interest on your outstanding balance, as long as you meet the card’s terms.

Most credit cards 0 percent offers in India apply to:

• New purchases made within the promo period
• Balance transfers from other cards
• EMI conversions (0% EMI on large spends)

The key? You must pay off the full amount before the offer ends. Once the zero APR period is over, the standard APR 0 credit card turns into a regular credit card with interest rates ranging from 36–42% annually if unpaid.

So, if you’re looking for the best 0 percent credit cards or cards with 0 interest, make sure to read the fine print, track the promo deadline, and avoid late payments. Use them smartly, and you can save big on interest while staying financially stress-free.

Top 0 APR Credit Card Offers in India – July 2025

Although India doesn’t offer classic 0 APR credit cards like those in Western markets, some cards provide zero interest credit periods through balance transfers, instant loans, or EMI offers. These options can function like no interest credit cards—ideal for short-term use.

Here’s a look at the top credit cards with 0 interest benefits in India:

1. ICICI Amazon Pay Credit Card

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• APR: 0% EMI on select Amazon products (3–6 months)
• Offer: Shop on Amazon and convert big purchases to interest-free EMIs
• Why it works: Combines shopping rewards with short-term zero interest
• Among the top 0 APR credit cards for online shoppers

2. Axis Bank MY Zone Credit Card

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• APR: 0% interest on online shopping via EMI partners
• Offer: Interest-free conversion on fashion, travel, and electronics purchases
• Why it works: Easy EMIs without extra costs for lifestyle spenders
• A flexible card for those seeking credit cards 0 interest on shopping

3. Bajaj Finserv RBL Bank SuperCard

• APR: 0% on ATM withdrawals for up to 50 days
• Offer: Withdraw cash without interest charges (if repaid on time)
• Why it works: Helpful in emergencies with added control over repayments
• Functions like one of the best 0 percent credit cards with cash flexibility

Also Read: Minimum Balance For Savings Account July 2025

Best Use Cases for 0% APR Credit Cards

Using a credit card with 0 APR can be a great money-saving move—if you know when and how to use it. These best zero percent credit cards offer interest-free periods, which makes them ideal for certain spending situations.

Here’s when a 0 percent APR card really makes sense:

1. Big Purchases

Need a new phone, laptop, or furniture? With a credit card 0 interest, you can split your payment over a few months without worrying about high interest piling up. It’s a great alternative to taking a personal loan.

2. Balance Transfers

Got an existing credit card balance with high interest? Shift it to a credit card 0 APR and repay it stress-free during the zero-interest window. It’s one of the smartest ways to clear debt faster.

3. Travel Expenses

Planning a trip? Some travel card 0 APR options let you book flights and hotels now and pay later—interest-free. Perfect for spontaneous vacations or planned holidays with easy EMIs.

4. Emergency Expenses

Whether it’s a sudden medical bill or a home repair, a credit card 0 percent interest period gives you financial breathing room when you need it the most.

5. Short-Term Projects or Education

Paying for a short course, software subscription, or freelance project? A best 0 interest rate credit card lets you invest in learning or work without paying extra.

Choose the best 0 APR credit cards based on how long the zero-interest offer lasts and what type of spending it’s valid on—purchases, balance transfers, or both.

If used responsibly, credit cards 0 APR help you borrow smartly and repay without penalties. They’re not just about convenience—they’re tools for better money management.

Eligibility Criteria & Application Tips for 0% APR Credit Cards

Thinking of applying for one of the best no interest credit cards? Before you get started, it’s important to know what banks look for and how you can improve your chances of approval. While credit cards with 0 interest are attractive, they’re usually given to applicants with solid financial habits.

Basic Eligibility Criteria

• Age: You should be at least 21 years old (18 if self-employed with proof of income)
• Stable Income: Most credit cards with 0 APR require a steady monthly income; salary slips or ITRs are often needed
• Good Credit Score: A score above 700 is preferred, especially for interest free cards
• Citizenship: Must be an Indian resident with valid documents like PAN, Aadhaar, etc.
• Debt History: Banks check for past delinquencies or defaults, especially if you’re applying for 0 percent credit cards

Tips to Improve Approval Chances

• Pay Credit Card Bills on Time: Even one missed payment can affect your approval for a credit card 0 APR on purchases
• Reduce Existing Debt: Try to lower your credit utilization ratio before applying for lowest APR credit cards
• Choose the Right Card: Pick a card that matches your income and credit score. Don’t randomly apply for multiple 0 purchase credit cards at once—it may backfire
• Maintain a Credit Mix: Having a mix of loans and cards (used responsibly) can build a stronger profile over time
• Check Pre-Approved Offers: Banks sometimes give 0 percent APR deals to existing customers with good payment history

Applying for credit cards 0 APR on purchases isn’t just about filling out a form—your financial discipline matters. Build a clean record, choose wisely, and these no interest credit cards can open doors to smarter, interest-free spending.

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36-Month Interest-Free Credit Card July 2025

• A 36-month interest-free credit card lets you pay in EMIs without interest, typically via no-cost EMI offers.
• These are not standard 0 APR cards but are available through bank-merchant tie-ups.
• Ideal for big-ticket purchases (TVs, laptops, appliances, travel).
• Offers vary by product, platform, and time.

36-Month Interest-Free EMI Offers July 2025

Bank	Platform / Partner	Tenure	Interest Rate	Type
HDFC Bank	Croma, Amazon, Reliance	Up to 36 months	0% (on select items)	No-Cost EMI
ICICI Bank	Flipkart, Tata Neu	Up to 24–36 months	0% (limited deals)	EMI Conversion
Axis Bank	Vijay Sales, Amazon	Up to 36 months	0% or Low Interest	Merchant EMI
Bajaj Finserv	Partner stores	3–36 months	0% with processing fee	Insta EMI Card

Alternatives If 0% APR Credit Cards Aren’t Available

Not able to find a 0 interest credit card that fits your needs? No worries—there are still smart ways to manage your money without paying high interest. If the top 10 0 APR credit cards or 2-year 0 APR credit cards aren’t accessible to you, here are some good alternatives:

1. Low APR Credit Cards

Instead of 0%, some cards offer consistently low interest rates (12–18% annually), which is far better than the typical 36–42%. These are good for people who carry balances for longer periods.

2. Short-Term EMI Offers

Many credit cards come with 0 interest EMIs for 3–12 months on electronics, appliances, and travel bookings. It works like a credit card 0 percent offer—but only for selected spends.

3. Pre-Approved EMI Plans

Some cards automatically convert large purchases into EMIs with very low or no interest. These are common with credit cards with 0 interest on purchases through brands like Amazon, Flipkart, and Croma.

4. Personal Loans with Low Interest

If you’re spending big and don’t qualify for 0 credit cards, a short-term personal loan at a low rate might work better than maxing out a regular card.

5. Buy Now, Pay Later (BNPL)

BNPL services often give 0% interest for 15–45 days. Though not credit cards, they serve a similar purpose when you’re tight on funds.

These options don’t exactly replace the best credit cards no interest, but they can help you reduce or delay costs when true 0% APR isn’t available. Always read the terms and pay on time to avoid hidden charges.

Zero-Interest Credit Cards Balance Transfer July 2025

• Transfer outstanding dues to credit cards with 0 interest
• Pay zero interest for a limited period (usually 30–90 days)
• Great for reducing debt without extra charges
• Some cards may charge a one-time processing fee
• Must repay within the promo period to avoid penalties

Bank	Offer Period	APR	Key Benefit
SBI Card	Up to 60 days	0% APR	Ideal for debt consolidation
HDFC Bank	Up to 90 days	0% APR	Insta Loan on balance transfer
ICICI Bank	3–6 months	0%/Low Rate	Flexible tenures with low/no interest

Visa Credit Card with No Interest for 24 Months

If you’re planning a big purchase or want to spread out payments without paying extra, a Visa credit card with no interest for 24 months can be a real game-changer. These interest free cards offer zero interest on purchases or balance transfers for up to two years. They function like 0 purchase credit cards, helping you pay off bills stress-free over time. These long-term credit cards with 0 APR are ideal for those who want to manage their spending without piling on debt. Always check the duration and fine print before applying.

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No Interest Credit Cards for 24 Months – Capital One

Capital One is known for offering flexible and user-friendly cards, and some of their options include no interest credit cards for 24 months. These interest free credit cards help you handle large expenses while avoiding interest for a long stretch. Whether it’s for a major purchase or a balance transfer, these credit cards 0 APR on purchases make it easier to stay on track financially. If you’re looking for the lowest APR credit cards with extended 0% offers, Capital One’s lineup of 0 percent credit cards is worth exploring.

Conclusion – 0 APR Credit Card!

Finding the right credit card is about more than just rewards—sometimes, it’s about saving money on interest. If you’re planning a big purchase or trying to manage existing debt smartly, the best no APR credit cards can give you breathing room to repay without added costs. While India may not offer long-term 0% APR cards like some other countries, there are still great options for zero interest credit cards through EMIs and balance transfers. Explore the top 0 APR credit cards mentioned above to find the best 0 APR credit cards that match your financial goals. A little planning can go a long way when it comes to managing your money with zero interest credit.