Are you looking for credit cards with Zero Annual Fee?
Life-time free credit cards are the first choice for many people.
There are plenty of credit cards available in the market.
Most credit card comes with an annual fee (with or without waiver conditions).
But banks also have some credit cards with zero annual fees or maintenance charges.
You can avail most of the credit card benefits with these free cards too.
I have selected the 7 best credit cards with zero annual fees or lifetime free credit cards from my
best credit cards in India list.
Credit Cards With Zero Annual Fee In India
HDFC MoneyBack Credit Card
HDFC Moneyback credit card is an entry-level credit card. Money-Back is the best choice for first-time card users.
Moneyback comes with all basic features including Fuel Surcharge Waiver, Rewards Points, EMI Facility, and Cash Advance.
The Card fits best for your all online & offline purchases.
You will earn 2 reward points for each 150/- INR spent either online or offline.
Read Complete Benefits in my existing article best credit card in India for salaried person.
ICICI Platinum Chip Credit Card
ICICI Bank Platinum Chip Credit Card is a basic credit card. The card is a good fit for those who are looking for a basic credit card with zero annual fees.
Platinum Chip credit card comes with features like Fuel Surcharge, 15% Dining Discount, Online & Offline transactions, and Up To 48 days Interest-free period.
You will earn 2 payback points for each 100/- INR spent. For instant approval, You can apply ICICI Platinum Chip online here.
SCB Platinum Rewards Credit Card
Standard Chartered Platinum Credit Card is a multipurpose credit card. the card offers you multiple rewards points on your all purchase.
The card comes with up to 55 days of Interest-free time period. And after that, you will be charged 3.10% monthly interest.
If your monthly salary is more than 50K INR then you can apply for this lifetime free credit card.
You will earn 5 reward points for each 150/-INR spent. SCB Platinum Rewards credit card is an international credit card.
For check Instant approval of the SCB platinum rewards credit card you can apply here.
SCB Landmark Credit Card (Discontinued )
Another Zero annual fee credit card from Standard Chartered Bank.
Landmark Reward Credit Card is the best credit card for your daily shopping needs.
You will earn 9x rewards points for each 100/-INR spent in Lifestyle and affiliated stores.
You can avail of 5% cashback on your shopping bill in all SPAR shopping stores across the country.
Get 4 complaisantly visits free on all visa lounges at domestic airports.
The SCB Landmark Rewards Card comes with a 55 days interest-free period and zero annual fees.
Kotak Mahindra Fortune Credit Card
Fortune Gold is a multi-use credit card offered by Kotak Mahindra bank. The Card comes with no annual fees and a 48-day interest-free period.
You can avail 1% fuel surcharge on all fuel outlets ( Applicable on Transactions between Rs. 500/- and Rs. 3000/-).
Through the Fuel surcharge waived off in every billing cycle, you can save approx 100/ INR through
As a multipurpose card, you can use this credit card for your Daily Shopping, Travel, Fuel, Railway & Air Travel, Cash Advance, Online Bookings etc.
You will also earn 2 reward points for each Rs 100/- spent. Fortune Gold is a business credit card.
HSBC Bank Platinum Credit Card
The HSBC Platinum credit card is the best card in the Zero Annual Fee Cards category. Platinum is a multipurpose credit card with multiple features & benefits.
You can avail of 10% cashback on all spending during the first 90 days. Earn 2 reward points for each 100/-Rs spent.
Earn 2 reward points for each 100/-Rs spent.
1% of the fuel surcharge will be waived on all fuel outlets.
Avail of up to 20% dining discounts at selected restaurants across the country.
Get 1 free movie ticket per month if your spending goes beyond 50k.
Emergency card replacement & insurance benefits.
HSBC Platinum card comes with 50 days interest-free period and Zero annual fees.
Applying for an HSBC Platinum credit card your monthly salary must be 40K NTH.
Dhanlaxmi Bank Platinum Credit Card
Dhanlaxmi Bank Platinum credit card is another zero annual fee premium card in India. The card comes with some great features & benefits.
Platinum privileges across luxury goods, dining, golf & travel.
Online concierge facility.
5% cashback on Supermarket and Departmental Store purchases
Free insurance cover & global customer assistance for emergencies
Low-interest charges & 48-day interest-free time period.
You will earn 2 reward points for each 100/- Rs spent.
For Dhanlaxmi Platinum credit card salaried & self-employed minimum annual gross income should be Rs 6 Lacs.
These are the best credit cards with multiple features and benefits. You can select any card as per your need.
If you are unable to decide ‘which card should you go with? then drop me your query and I’ll try to suggest you the best one.
ICICI Bank Amazon Pay Credit Card
ICICI Bank Amazon Pay Card is a co-branded credit card. This card is one of the best credit cards for online offers.
You can avail 5% discount on your all transitions on the Amazon India Website.
Get a 1% fuel surcharge waiver on HPCL outlets.
EMI & Cash withdrawal Facility.
Up to 48 days interest-free time period.
And a Zero Annual fee.
Read More About Amazon Pay Credit Card
IDFC First Millennia Credit Card
IDFC First bank also offers lifetime free credit cards.
Bank has 5 different premium credit cards and all cards come with zero annual fees. IDFC Millennia credit card is best for all your daily needs.
Get a 1% full surcharge waiver on all fuel stations.
EMI and cash withdrawal facility.
Up to 50 days of interest-free time.
Entertainment and multiple cashback offers.
The IDFC Millennia First card has amazing features specially targeted at young generations.
Any salaried and self-employed can apply for IDFC First Bank Credit cards.
These are some Best credit cards with zero annual fees in India. You can apply for any credit card according to your need and eligibility.
Which bank gives lifetime free credit cards?
ICICI Bank offers two popular credit cards with zero annual fees. And HSBC and IDFC First Bank offer multiple lifetime free cards to their customers.