Are you looking for a credit card without an annual fee? Would like to know the best zero annual fee credit cards in the market today? Well, you have arrived at the right place.
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.
Top 12 No Annual Fee Credit Cards in India 2019
| 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 spends |
| 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 |
| ICICI Bank Platinum Chip Credit Card |
NIL |
Dining, fuel, rewards |
| 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 |
No Annual Fee Credit Cards - Features And Benefits
Key Highlights: Offers benefits across various lifestyle categories such as dining, shopping, etc.
Joining Fee: NIL
Renewal Fee: NIL
Introductory offers:
- Cleartrip voucher worth Rs.2,000upon conduction the first transaction.
- Up to Rs.2,500 or 10% cashback on conducting 9 transactions of total worth Rs.10,000 within 90 days of the card issuance.
- 3X more reward points on select categories for first 12 months after card issuance
Features and benefits:
- Earn 2 reward points for every Rs.150 spent on the card.
- 5X reward points after exceeding spend limit of Rs.4 lakh to maximum Rs.10 lakh in a year.
- Fuel surcharge waived off (up to Rs.250 p.m.) for transactions between Rs.400 and Rs.4000.
- Movie ticket voucher worth Rs.500 on monthly spends of over Rs.50,000.
- 15% off on dining bills at more than 1,000restaurants in major cities.
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: A premium credit card that 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 fromglobal brands including EazyDiner,MakeMyTrip,Vouchagram, ALDO, Urban Ladder, Jet Airways, Satya Paul andseveral others.
Features and benefits:
- Complimentary golf lessons from qualified instructors at select golf clubs in India.
- Travel benefits including pre-trip assistance, exclusive booking, hotelreservation, and other concierge services.
- Complimentary priority pass membership that provides access to more than 700 airport lounges across the globe.
- Getaninsurance cover against unauthorized transactions and counterfeit frauds.
- Auto Assist that provides round the clock assistance for all roadside assistance.
- Enjoy 1% fuel surcharge waiver at all petrol pumps across the country.
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 card is much suitable for people without a credit history.
Joining fee: NIL
Renewal fee: NIL. For 1st four years
Features and benefits:
- 1 reward point for every Rs.100 spent
- Spend Rs.50,000 per year and get a cashback of Rs.500
- 1% fuel surcharge waiver valid for transactions between Rs.500 and Rs.3,000
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 card provides accelerated rewards on online and international transactions along with other travel and entertainment benefits.
Joining Fee: NIL (Limited-time offer)
Renewal Fee: NIL (Limited-time offer)
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:
- Up to 6 reward points on every Rs.100 spent on birthday, online, and international purchases.
- 12 complimentary golf lessons per year at select golf courses in India
- Free membership to airport priority pass program and 2 free lounge visits per quarter to domestic airports.
- Insurance coverage up to Rs.65 lakh for primary cardholder.
- Discounted interest rate and preferential foreign currency mark-up fee.
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 card is much suitable for people without a credit history.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
- Set flexible credit limits - up to 80% of the fixed deposit
- 100% of the credit limit allowed for cash withdrawal.
- 1% fuel surcharge waiver
- 15% off on dining bills at select restaurants.
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 :
- Minimum fixed deposit at any Axis Bank branch
- Minimum FD amount of Rs.20,000 and maximum of Rs.25 lakh.
- Age should be above 18 years.
Key Highlights: Exclusively offered for businessmen, the card offers basic credit card benefits on fuel, ticket booking, etc.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
- Higher cash limit of up to 50% of the credit limit
- 1% fuel surcharge and 1.8% railway ticket booking surcharge will be waived.
- A credit shield cover worth Rs.50,000 for lost credit card.
- 4 free PVR tickets on spending Rs.1.5 lakh in a year.
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 card. Online and international spends would be given special benefit.
Joining Fee: NIL (Limited-time offer)
Renewal Fee: NIL (Limited-time offer)
Joining Bonus: Earn 1,250 reward points as a welcome gift on spending Rs.5,000 within the first 30 days of the card issuance.
Features and benefits:
- Up to 5 reward points on every Rs.100 spent on birthday, online, and international purchases.
- Insurance coverage in case of accidental death of primary cardholder.
- Discounted interest rate and preferential foreign currency mark-up fee.
- 1% fuel surcharge waiver valid at all petrol stations across India.
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 |
Check Eligibility & Apply Onliney
Key Highlights: Basic credit card that provides benefits related to dining, fuel, and rewards.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
- 15% off on dining bills.
- 1% fuel surcharge waiver valid at all HPCL pertrol pumps across India for maximum transaction of up to Rs.4,000.
- 2 PAYBACk points on every Rs.100 spend on retail transactions.
- Powered with contactless technology to enable quick and secure payments.
Suitable for: People who use their credit card less frequently.
Key Highlights: Travel, entertainment, insurance cover, shopping, dining - The card saves money on all these category spends. Apply now and enjoy the benefits free from life time.
Joining Fee: NIL (Limited-time offer)
Renewal Fee: NIL (Limited-time offer)
Joining Bonus: Earn 15,000 reward points as a welcome gift upon completing the 1st transaction within the first 30 days of the card issuance.
Features and benefits:
- Complimentary Priority Pass Membership with 4 free airport lounge visits per year.
- Spend-based rewards of up to 20,000 reward points.
- One free golf lesson per month at select Indian golf courses.
- 25% off on movie ticket booking on BookMyShow.
- Life insurance cover worth Rs.1 Crore for primary cardholder.
- 24X7 concierge services that provide assistance for car rental booking, hotel reservations, restaurant referrals, gift delivery, etc.
Rewards redemption options: Reward points can be redeemed against flight, hotel, and movie ticket bookings (1 RP = Rs.0.25) or JPMiles (4RP = 1 JPMile) 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 card provides benefits across various categories including travel, entertainment, dining, and rewards.
Joining Fee: NIL
Renewal Fee: NIL
Features and benefits:
- 25% cashback on movie ticket bookings
- 100% of the credit limit allowed for cash withdrawal.
- 1% fuel surcharge waiver
- 15% off on dining bills at select restaurants.
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 category spends. Apply now and enjoy the benefits free from life time.
Joining Fee: NIL (Limited time offer)
Renewal Fee: NIL (Limited time offer)
Features and benefits:
- Reward points that never expire.
- Complimentary access to airport lounges through the Complimentary Priority Pass Membership.
- Low interest rate and attractive foreign currency markup fee.
- Insurance coverage of Rs.2.5 lakh in case of accidental death.
- 12 complimentary golf lessons per year at select Indian golf courses.
Rewards redemption options: Reward points can be redeemed against flight, hotel, and movie ticket bookings (1 RP = Rs.0.25) or JPMiles (4RP = 1 JPMile) 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.15 lakh |
How To Apply For A No Annual Fee Credit Cards Online?
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
- Visit www.bankbazaar.com/credit-card.html and select the card that you want.
- Click the 'Eligibility' button to check your eligibility for the card
- If you are eligible, you will find an option to Apply, click on the same, enter the required details and submit
- You would be asked to upload the required documents.
- 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 '.
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