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Explore the best lifetime free credit cards in India. Find, compare and apply for credit card with no annual charges. Choose the card based on your needs and enjoy reward points, cashback, sign-up bonus and much more.
Credit Card | Best For |
---|---|
FinBooster: YES BANK - BankBazaar Co-branded Credit Card | Tracking credit score, building credit report and Rewards |
RBL Bank BankBazaar SaveMax Credit Card | Credit Advisory Report, reward points |
HSBC Visa Platinum Card | Dining, Shopping, Fuel |
Kotak Fortune Gold Credit Card | High cash limit, Fuel, Movie tickets |
Amazon Pay ICICI Credit Card | Shopping, Cashback |
AU Bank LIT Credit Card | Reward Points, Movie tickets |
BOB Easy Credit Card | Online shopping, Reward Points |
Shoppers Stop HDFC Bank Credit Card | Online shopping, Reward Points |
IDFC FIRST Millennia Credit Card | Online shopping, Reward Points |
Dhanlaxmi Bank Platinum Credit Card | Shopping, Cashback |
While many luxury credit cards come with an annual fee, there is a wide range of cards that provide a vast array of benefits without charging any fee.
If you're are a sensible spender and would like to have a credit card with basic yet comprehensive benefits, you can opt for a No annual fee credit card. It will cut down your annual card maintenance cards while providing regular benefits of a credit card.
The following is the list of features and benefits of No Annual Fee credit cards:
Listed below are the best credit cards without annual fee offered by top banks in India.
Credit Card Variant | Annual Fee | Benefits covered |
---|---|---|
FinBooster: YES BANK - BankBazaar Co-branded Credit Card | NIL | Tracking credit score, building credit report & rewards |
RBL Bank BankBazaar SaveMax Credit Card | NIL | Credit Advisory Report, reward points |
HSBC Visa Platinum Card | NIL | Dining, shopping, fuel |
IndusInd Bank Platinum Card | NIL | Travel, golf, entertainment, fuel |
SBI Card Unnati | NIL (For 1st four years) | Basic |
Kotak Fortune Gold Credit Card | NIL | High cash limit, fuel, movie tickets |
IDFC First Select Credit Card | NIL | Online shopping and credit card offers |
Amazon Pay ICICI Credit Card | NIL | Online shopping |
AU Bank LIT Credit Card | NIL | Reward Points |
BOB Easy Credit Card | NIL | Online shopping and Reward Points |
Key Highlights: The FinBooster: YES Bank - BankBazaar Co-branded Credit Card helps you to build a high credit score and good credit behaviour. You get regular credit fitness reports and these give you insights into your financial health.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Rewards redemption options:
Suitable for: Those who want to build a high credit score and get access to the Credit Fitness Tracker
The RBL Bank BankBazaar SaveMax Credit Card is a lifetime free credit card that offers a wide range of attractive rewards and cashbacks. The card also comes with a free monthly credit advisory on BankBazaar which will help you track your spending and monitor your credit score. The credit card also comes with balance transfer, EMI conversion, and pre-approved loan facility.
Joining Fee: NIL
Renewal Fee: NIL
Features & Benefits
Rewards redemption options:
Key Highlights: The HSBC Visa Platinum Credit Card offers benefits across various lifestyle categories such as dining, shopping, etc.
Joining Fee: NIL
Renewal Fee: NIL
Introductory offers:
Features and benefits:
Rewards redemption options: Reward points can be redeemed for a wide range of products listed in the rewards catalog.
Suitable for: People who use their credit card for regular spends including dining, shopping, and all other daily expenses.
Eligibility to apply for the HSBC Visa Platinum Credit Card
Age | 18 to 65 years |
Employment status | Salaried |
Annual salary | Rs.4 lakh |
Current city of residence | Bangalore, Chennai, Gurgaon, Hyderabad, New Delhi, Mumbai, Noida, or Pune. |
Key Highlights: Issued against an fixed deposit amount of minimum Rs.25,000, the SBI Card Unnati is much suitable for people without a credit history.
Joining fee: NIL
Renewal fee: NIL. For first four years
Features and benefits:
Rewards redemption option: Redeem reward points against a wide variety of gifts from the rewards catalog.
Suitable for: First time credit card applicants without a credit history.
Key Highlights: Issued against a fixed deposit amount of minimum Rs.20,000 and maximum Rs.25 lakh, the Axis Insta Easy Credit Card is much suitable for people without a credit history.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Rewards redemption options: Redeem reward points for more than 500 products listed in the rewards catalog.
Suitable for: First time credit card applicants without a credit history.
Eligibility:
Key Highlights: Exclusively offered for businessmen, the Kotak Fortune Gold Credit Card offers basic credit card benefits on fuel, ticket booking, etc.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Suitable for: People looking for a basic credit card.
Eligibility to apply for the Kotak Fortune Gold Card
Age | 21 to 65 years |
Employment status | Self Employed |
Income | Minimum income Rs.3 lakh |
Key Highlights: The credit card gives you a good credit limit and also offers fuel surcharge waiver.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Key Highlights: The IDFC First Select Credit Card high reward with zero annual fee.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Suitable for: Frequent shoppers and travellers.
Key Highlights: This Bank of Baroda Prime Credit Card is best suited for people who are looking for cashback on daily spending.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Suitable for: People looking for returns in terms of cashback.
Key Highlights: This Dhanlaxmi Bank Platinum credit card is best suited for people who are looking for a daily use credit card.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Suitable for: People looking for everyday use cerdit card
To apply for no annual fee credit cards online, you can visit the respective bank website, or you can apply through BankBazaar, which is an authorised partner of top banks in India.
Steps to apply through BankBazaar website
Step 1: Visit www.bankbazaar.com/credit-card.html and select the card that you want.
Step 2:Click the 'Eligibility' button to check your eligibility for the card
Step 3:If you are eligible, you will find an option to Apply, click on the same, enter the required details and submit
Step 4:You would be asked to upload the required documents.
Step 5:Once they are uploaded, click 'Submit'.
On successfully submitting the application and the necessary documents, you would receive an 'Application ID'. Use this ID to track your application status by clicking' Track Application '.
No, there are no hidden charges if you use a lifetime free credit card. The bank is very clear about the charges associated with the card. You pay only what you spend.
A lifetime free credit card works just like any other credit card. If you do not pay your bill on time, then the bank will charge you a late fee. If you still do not pay the credit card bill on time, then the bank deactivates your card due to which your credit score suffers.
The FinBooster: YES BANK - BankBazaar Co-branded Credit Card does not have any joining or annual fee.
You can do basic google search to find lifetime free credit cards offered by banks in India. You can also get in touch with the bank with whom you hold a bank account and enquire about lifetime free credit cards. If you have a good relationship with your bank, they will most probably offer you a lifetime free credit card.
Yes, you may use your credit card overseas, but the charges will differ from bank to bank. Hence, do check with the lender regarding the charges applicable if you use your card abroad.
Yes, you can use your lifetime credit card to withdraw money from ATMs in India.
You get 1,250 reward points as a welcome gift on spending Rs.5,000 within the first 30 days of the card being issued.
Yes, your minimum annual salary should be Rs.4 lakh.
Yes, you get complimentary golf lessons from qualified instructors at select golf clubs in India.
Yes, the RBL Bank BankBazaar SaveMax Credit Card offers a free Credit Advisory Report every month.
Yes, most of the banks accept applications for ‘no annual fee’ credit cards online.
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.
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