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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 |
IndusInd Bank Platinum Card | Travel, Golf, Entertainment, Fuel |
YES Prosperity Edge | Online and International spends |
Kotak Fortune Gold Credit Card | High cash limit, Fuel, Movie tickets |
YES Prosperity Reward Plus Card | Online shopping, International usage |
Axis Insta Easy Credit Card | Shopping, dining |
YES First Preferred | Travel, Entertainment, Shopping, Dining |
Axis MY Zone Easy Credit Card | Travel, Entertainment, Dining, Rewards |
YES Premia Credit Card | Travel, Entertainment, Shopping, Dining |
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.
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 |
YES Prosperity Edge | NIL (Limited-time offer) | Online and international spending |
Axis Insta Easy Credit Card | NIL | Basic. Card issued against fixed deposit |
Kotak Fortune Gold Credit Card | NIL | High cash limit, fuel, movie tickets |
YES Prosperity Reward Plus Card | NIL | Online shopping, international usage |
Axis Insta Easy Credit Card | NIL | Shopping, dining |
YES First Preferred | NIL | Travel, entertainment, shopping, dining |
Axis MY Zone Easy Credit Card | NIL | Travel, entertainment, dining, and rewards |
YES Premia Credit Card | NIL | Travel, entertainment, shopping, dining |
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: IndusInd Bank Platinum Card provides benefits across various categories including travel, lifestyle, entertainment, etc. Pay the joining fee and enjoy the benefits offered by the card lifetime for free.
Joining Fee: NIL(Only when you applied through BankBazaar.com). For others, it is Rs.3,000.
Renewal Fee: NIL
Joining Bonus: Gift voucher from global brands including EazyDiner, MakeMyTrip, Vouchagram, ALDO, Urban Ladder, Jet Airways, Satya Paul and several others.
Features and benefits:
Rewards redemption options: Redeem reward points for hotel stay vouchers, cash credit, air miles, and products fromIndus Moments.
Suitable for: Individuals looking for the premium lifestyle privileges in a single card with less maintenance.
Key Highlights: Issued against a 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: Apply for YES Bank credit card now and enjoy the benefits offered by the card free for lifetime.
The YES Prosperity Edge credit card provides accelerated rewards on online and international transactions along with other travel and entertainment benefits.
Joining Fee: Rs.1,199.
Renewal Fee: Rs.1,199.
Joining Bonus: Earn 1,500 reward points as a welcome gift on spending Rs.7,500 within the first 30 days of the card issuance.
Features and benefits:
Rewards redemption options: Redeem reward points to book flights, hotels, and movie tickets (1 RP = Rs.0.25), for JPMiles (4RP = 1 JPMile) or for exclusive products from rewards catalog.
Suitable for: Individuals who shop online, especially on international websites or locations. Travel, golf, and other benefits come as complimentary.
Eligibility to apply for the YES Prosperity Edge Credit Card
Age | 21 to 60 years |
Employment status | Salaried or Self Employed |
Income (salaried) | Rs.60,000 per month |
Income (self-employed) | Minimum income tax return of Rs.7.20 lakh |
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: Earn while you spend through the accelerated rewards offered by the YES Prosperity Reward Plus Card. Online and international spends would be given special benefit.
Joining Fee: Rs.499.
Renewal Fee: Rs.499.
Joining Bonus: Earn 20,000 reward points as a welcome gift on spending Rs.7.5 lakh within one year of the card issuance.
Features and benefits:
Rewards redemption options: Redeem reward points for JPMiles (4RP = 1 JPMile) or exclusive products from rewards catalogue.
Suitable for: Individuals who shop online, especially on international websites or locations.
Eligibility to apply for the YES Prosperity Reward Plus Credit Card
Age | 21 to 60 years |
Employment status | Salaried or Self Employed |
Income (salaried) | Rs.25,000 per month |
Income (self-employed) | Minimum income tax return of Rs.5 lakh |
Others | This card is also available against a fixed deposit with YES Bank |
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: Travel, entertainment, insurance cover, shopping, dining - The card saves money on all these category spends. Apply now for YES First Preferred Credit Card and enjoy the benefits free from life time.
Joining Fee: NIL (Limited-time offer)
Renewal Fee: NIL (Limited-time offer)
Joining Bonus: Get 10,000 reward points on your first transaction within the first 90 days of card issuance.
Features and benefits:
Rewards redemption options: Reward points can be redeemed against flight, hotel, and movie ticket bookings (1 RP = Rs.0.25) or JPMiles (8RP = 1 InterMiles) or an exclusive list of products.
Suitable for: Individuals looking for the best of lifestyle privileges on their credit cards.
Eligibility to apply for the YES First Preferred Credit Card
Age | 21 to 60 years |
Employment status | Salaried or Self Employed |
Income (salaried) | Rs.2 lakh per month |
Income (self-employed) | Minimum income tax return of Rs.24 lakh |
Others | Fixed deposit of at least Rs.3 lakh with YES Bank |
Key Highlights: With zero annual fee, the Axis MY Zone Easy Credit Card provides benefits across various categories including travel, entertainment, dining, and rewards.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
Rewards redemption options: Redeem reward points for more than 500 products listed in the rewards catalogue.
Suitable for: Weekend freaks who spend on dining and movies frequently.
Key Highlights: Travel, entertainment, insurance cover, shopping, dining - The card saves money on all these categories spending. Apply now for YES Premia Credit Card and enjoy the benefits free for life time.
Joining Fee: NIL (Limited time offer)
Renewal Fee: NIL (Limited time offer)
Features and benefits:
Rewards redemption options: Reward points can be redeemed against flight, hotel, and movie ticket bookings (1 RP = Rs.0.25) or JPMiles (8RP = 1 InterMiles) or an exclusive list of products.
Suitable for: Exclusively offered for YES Premia Banking customers.
Eligibility to apply for the YES Premia Credit Card
Age | 21 to 60 years |
Employment status | Salaried or Self Employed |
Income (salaried) | Rs.1.20 lakh per month |
Income (self-employed) | Minimum income tax return of Rs.14.4 lakh and above |
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
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 Bank has launched a ‘FinBooster’ credit card in collaboration with BankBazaar. This co-branded credit card offers credit fitness reports to its customers to help them improve their credit scores. FinBooster comes with an intuitive CreditStrong app subscription and is complimentary for the first year.
The card is designed to support customers in boosting their creditworthiness and earning reward points that never expire. Booster allows customers to earn reward points on online grocery, apparel and dining purchases.
There is no cap on reward points earned on this credit card. FinBooster also lets customers share their reward points with family and friends.
The private sector lender Kotak Mahindra Bank and the budget carrier Indigo have come together to launch a credit card - ‘Ka-ching’. It is a lifetime free credit card designed to enhance customer experience and offers various travel-associated benefits.
The co-branded credit card ‘Ka-ching’ is expected to be launched by next month and will be available in two variants- 6E Rewards XL and 6E Rewards. It will be operated and managed by the airline Indigo. This credit card has no deadlines for reward redemption. With this card, the customer can also access other benefits like complimentary air tickets, complimentary meal, priority check-ins, etc.
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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