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

    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, 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

    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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