<h1>New Credit Cards Offer 8.5% Interest and No Fees with Rewards and Flexible Benefits</h1> A financial institution has introduced credit cards with interest rates starting at 8.5% per annum, significantly lower than the typical market rates of 34% to 46.2% p.a. The rates are dynamically assigned based on individual credit profiles to ensure fairness and transparency, aligning with regulatory guidelines. The cards offer lifetime-free usage with no joining or annual fees, various lifestyle benefits, reward points that do not expire, and interest-free ATM cash withdrawals for up to 45 days. The institution also provides a highly rated digital platform for card management. This initiative aims to enhance affordability, encourage responsible credit use, and set a new industry standard for customer-centric financial products.