Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Top Credit Cards with Zero Annual Fees

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  • 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.
      

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    Credit Card Reviews

    • RBL Bank Credit Card
      "Easy to convert for EMI "
      0.5 4.0/5 "Great!"
      I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
      Was this review helpful? 27
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 33
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 26
      , hyderabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
      Was this review helpful? 15
      , jaipur
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
      Was this review helpful? 17
      , chennai
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
      Was this review helpful? 18
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 22
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 31
      , faridabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
      Was this review helpful? 13
      , chennai
      Reviewed on Mar 21, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
      Was this review helpful? 11
      , coimbatore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 31
      , bangalore
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
      Was this review helpful? 16
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 16
      , kolkata
      Reviewed on Mar 21, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
      Was this review helpful? 26
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 19
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 8
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 43
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 23
      , ranchi
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Okay service "
      0.5 3.0/5 "Satisfactory"
      I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
      Was this review helpful? 13
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 37
      , gurgaon
      Reviewed on Mar 21, 2020
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