Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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 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

    • IndusInd Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Recently applied for INDUSIND BANK PLATINUM AURA EDGE CREDIT CARD, they have not charged me annual fee, the credit limit which they have given to me was good, there was no specific reason behind choosing this card, the card came on time, the process of getting credit card was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good Credit Card"
      0.5 5.0/5 "Blown Away!"
      ICICI gives good support to the customer, but the charges are bit higher for the late payment. The credit limit is very sufficient, I am using this card around 1.5 year. Whenever I use my card they are providing the points for fuel purpose its good.
      Was this review helpful? 0
      , virudhunagar
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Since registered member of Bank bazaar i was aware about this website .Need to aware of the current situation from bank end .whether customer is applying for any product communication should be transparent and should not miss guide anything beyond the process.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have been using the credit card with the CITI BANK where they have given the good offers also the customer service good with this bank as they are responsive and the card service is good without any hassle process. There is a EMI option with this card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me good credit limit, i am happy with their service, they use give good offers in shopping, movie tickets etc.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Not Satisfied with the Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for Indusind Bank Credit card .The agent gave the required details and not faced any issue.This is a free card but after that paid the charge of Rs.900. This was not informed earlier .The Bank agent not gave the relevant details about the charges.I was not satisfied with the service provided by the bank .Other than that it was ok.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • YES Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The process of getting the YES BANK credit card is simple and easy also the card has the good credit limit along with that it is hassle free to use. It has the offers like rewards points, cash backs, online purchase. The card is good card to use.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the credit card with the ICICI BANK and the card limit is good i have been using the card since from last few years and the documentation process was simple with fast to get the credit card. There was satisfactory offers with this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • Standard Chartered Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I took Standard chartered bank credit card, They have not been charging me annual fee, the credit limit which they have given to me was good, they have given me limit on based on my expectation, their mobile application is user friendly , so far experience was good with this card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I use Kotak mahindra bank credit card from long time, They have been charging me annual fee but waiver option is available , i am happy with the credit limit which they have given to me, they use to give good offers in airport lounge, their service was prompt, my experience with this card was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • HSBC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      HSBC credit card service is good, they use to give give good offers, like based on my requirement i take offers whenever i get, they have not charged me annual fee, their customer care service is good , they response me well, they use to give good credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold HDFC bank credit card for an while, They haver given me good credit limit based on my requirement, they did not charged me annual fee, their service is good, they did not charged me any hidden charges, i can easily transfer into emi option whenever i want, their overall service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Citibank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold CITI bank credit card from longtime, they have charged me annual fee , but waiver option is not available , the credit limit which they have given to me was good, they use to do good transaction, their offers are good, they use to give good cash back and discounts everytime.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • Axis Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold Axis bank credit card from long time, They have not charged me annual fee, the credit limit which they have given to me was good, but i am not happy with their service, their service is not that up to the mark, their customer care should be improved, there is no issue with card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I applied for Indusind bank credit card recently. The process of getting card was simple and easy, the card came on time, the reason behind choosing this card is for their offers they use to give good offers in movie tickets every 1+1 movie tickets every month they give. I am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this HDFC Bank Credit Card for the past 4 years.The credit limit was good and i have directly applied with the bank.There was good cashback offers and reward points .There was no difficulties faced so far .I have received the credit card on time .The service is good to me so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • Kotak Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am also using Kotak credit card and got reward points and I donâ??t know how to redeem my points and this information is not provided on the mobile app too.The customer service is okay and even the branch response was prompt. I think, they do charge annual fee of Rs.500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • IndusInd Bank Credit Card
      "AVERAGE"
      0.5 4.0/5 "Great!"
      They have given the good offers so i have taken the credit card with the INDUSIND BANK. The documentation process was good but there was delay to get the card which is twenty days. The credit limit is good and satisfactory and it is a life time free card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • Bank Bazaar Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no issues with Bank Bazaar and its been a good experience. I have installed the mobile application to check the credit score then it is easy to apply the card according to the offers. I have been using it for long time. The executive explained the details very clearly about the product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
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