Credit cards is a fancy replacement for cash, however it comes with conditions such as fees, charges, payments on time, etc. Most people avoid opting for a credit card owing to the endless charges associated with it. However, there are a few credit cards that does not require you to pay any annual fees for lifetime. They are:
First Citizen Citibank Titanium Credit Card:
Citibanks’ First Citizen Titanium Credit Card comes with attractive rewards and priveleges in store such as free parking, exclusive sales preview and special billing counters at Shoppers Stop.
Cardholders of this card can also enjoy benefits on first time usage and some other welcome benefits from Shoppers Stop such as gift vouchers and cashback offers.
You can earn up to 4.9% using this card on its accelerated rewards and redemption program.
At Shoppers Stop, cardholders can also bag up to 7 First Citizen Points per Rs.100 spent.
Apart from these attractive features, the First Citizen Citibank Titanium Credit Card does not attract any joining fee, renewal fuel and charges a cash advance fee of only 2%.
Kotak Fortune Gold Credit Card:
The Kotak Fortune Gold Credit Card comes with absolutely no annual fees for life, no joining fee and no renewal fee.
Additional features include interest free cash withdrawals and no charge on EMI,
The card attracts 0% Balance Transfer and 0% Fuel surcharge.
With a small cash advance fee of 3% and other deals and discounts, the Fortune Gold Credit Card from Kotak allows you to save up over Rs.5000 annually.
Kotak Urbane Gold Credit Card:
The Urbane Gold Credit Card from Kotak comes with zero joining as well as renewal fee, provided the cardholder has spent Rs.15,000 in a year on the card.
Cardholders can earn up to 3x reward points using the card every time they spend Rs.100.
With every 1000 reward points, cardholder can earn up to Rs.75 worth gifts.
Charged at a 3.4% regular interest rate only, the card makes an ideal choice for saving up on all kinds of fees associated with a credit card.
Kotak Trump Gold Credit Card:
The Kotak Trump Gold Credit Card is free for life, with no annual fees, no joining fee and no renewal fee, either.
Attractive features of the card include 10% cashback on movies, plays and restaurants.
The card does not levy any fuel surcharge and attracts a mere cash advance fee of 2.5%.
The card can be availed at a regular interest rate of 3.3%.
ICICI Bank Instant Platinum Credit Card:
There is no joining fee as well as renewal fee on the Instant Platinum Credit Card from ICICI.
Apart from this attractive feature, the card also comes with low interest charges of 2.49% monthly.
Cardholders can also enjoy a fuel surcharge waiver at all HPCL outlets.
ICICI Bank Instant Gold Credit Card:
The Instant Gold Credit Card from ICICI Bank comes with many useful features such as fuel surcharge waiver, low interest rate of 2.49% and no renewal fees.
Also, you can earn 1 i-mint point on this card every time you spend Rs.100.
The card also allows you maximum of 48 days of interest free credit while you shop.
Jet Airways Citibank Titanium Credit Card:
With zero joining fees and zero renewal fee and a really low interest rate of 2.5%, the Jet Airways Titanium credit card from Citibank is one of the best choices among credit cards.
Cardholders can also earn 2 JPMiles with every Rs.100 spent on the card and flight tickets booked on jetairways.com, cardholders can earn double JPMiles.
Additionally, you can get 1000 JPMiles post first usage of the card every year.
Jet Airways CitiBusiness Credit Card:
With privileges on flight ticket bookings on Jet Airways and no joining and renewal fee, the Jet Airways CitiBusiness Card can be availed at a regular interest rate of 3.15%.
Additionally, you can also win up to double JPMiles when you book tickets on jetwairways.com.
Citibank IndianOil Platinum Credit Card:
The IndianOil Platinum Credit Card from Citibank does not levy any joining as well as renewal fee on its cardholders.
Cardholders of this card can enjoy benefits such as free fuel worth over Rs.2400 and 5% discount on fuel at IndianOil outlets, without the need for any annual fees.
Inner Circle Platinum Credit Card:
The Inner Circle Platinum Credit Card from Standard Chartered does not charge any annual fee for life.
Cardholders can enjoy shopping by earning rewards at Lifestyle and affiliated stores.
Discount vouchers worth up to Rs.2500 can also be availed on this card.
Low interest rate of 3.1% and 3% monthly cash advance fee are other key highlights of the card.
Indian Oil Citibank Titanium Credit Card:
The Indian Oil Titanium Credit Card from Citibank does not levy any joining fee and renewal fee on its cardholders.
With a low interest rate of 3.15% and 2% cash advance fee and discounts of up to 5% on fuel at Indian Oil outlets, this card is ideal for individuals always on the go.
At Indian Oil outlets, you can use this card and earn 4 Turbo Points with every Rs.150 spent.
You can also earn 1 Turbo point when you spend Rs.150 anywhere else, as well.
RBS GO Titanium Credit Card:
With no joining fees and no renewal fees either, the GO Titanium Credit Card from RBS is one of the best credit cards in the market.
At a low regular interest rate of 3.5% and 2.5% cash advance fee, this card comes with many benefits.
With this card, you can have Global CashAxess at any time in the day.
It also offers lost card protection features along with zero liability.
Every Rs.100 spent using this card can even earn you 3 GO miles.
Other reward points and Airline miles can be earned on this card to utilise it to the maximum.