Best Credit Card with No Annual Fee: A credit card with no annual fee is the best choice for those who want to enjoy benefits without paying any extra costs. Many banks in India offer such credit cards, but choosing the right one depends on your spending habits and requirements.
In this article, we will explore the best lifetime free credit cards in India, their features, and how to choose the best one for your needs.
What is a No Annual Fee Credit Card?
A no annual fee credit card means you don’t have to pay a yearly charge to keep the card active. Some banks offer lifetime free cards, while others waive the annual fee if you meet certain spending criteria.
Best No Annual Fee Credit Cards in India (2025)
Here are some of the best zero annual fee credit cards available in India, along with their benefits.
1. Amazon Pay ICICI Bank Credit Card
✔ Best for: Online shoppers, Amazon users
✔ Annual Fee: ₹0 (Lifetime Free)
✔ Benefits:
- 5% cashback on Amazon purchases (Prime members)
- 3% cashback on Amazon (non-Prime members)
- 2% cashback on partner merchants
- 1% cashback on all other transactions
💡 Why choose this card? If you frequently shop on Amazon, this is one of the best credit cards with zero fees and great cashback.
2. Flipkart Axis Bank Credit Card
✔ Best for: Flipkart, Myntra, Swiggy users
✔ Annual Fee: ₹500 (Waived on ₹2 lakh annual spending)
✔ Benefits:
- 5% cashback on Flipkart and Myntra
- 4% cashback on Swiggy, Uber, PVR, etc.
- 1.5% cashback on all other spending
- Welcome benefits worth ₹1,100
💡 Why choose this card? Great for Flipkart shoppers and frequent online buyers.
3. HSBC Cashback Credit Card
✔ Best for: Cashback lovers, frequent spenders
✔ Annual Fee: ₹999 (Waived on ₹1 lakh annual spending)
✔ Benefits:
- 10% cashback on Amazon, Swiggy, Zomato, Uber (capped at ₹1,000/month)
- 1.5% cashback on all other transactions
- No joining fee for the first year
💡 Why choose this card? If you spend regularly on food, shopping, and travel, this card offers great cashback.
4. IDFC FIRST Select Credit Card
✔ Best for: Travelers, lifestyle benefits
✔ Annual Fee: ₹0 (Lifetime Free)
✔ Benefits:
- 10X reward points on online spending
- Free roadside assistance
- Free airport lounge access
- 1% fuel surcharge waiver
💡 Why choose this card? A great option for travelers with lifetime-free benefits.
5. HDFC MoneyBack+ Credit Card
✔ Best for: Beginners, reward points lovers
✔ Annual Fee: ₹500 (Waived on ₹50,000 spending)
✔ Benefits:
- 10X reward points on Amazon, Flipkart, Swiggy
- 5X reward points on EMI transactions
- 500 bonus reward points as a welcome gift
💡 Why choose this card? If you want a beginner-friendly card with easy rewards, this is a good option.
How to Choose the Best No Annual Fee Credit Card?
To pick the best credit card without an annual fee, consider these factors:
✅ Your Spending Habits: Choose a card that gives rewards or cashback on the platforms where you shop the most.
✅ Cashback vs. Rewards: Cashback is instant savings, while reward points need to be redeemed. Pick what suits you best.
✅ Fee Waiver Conditions: Some cards waive annual fees if you meet a minimum spending requirement.
✅ Extra Perks: Look for benefits like lounge access, fuel surcharge waivers, and EMI options.
Final Verdict: Which No Annual Fee Credit Card is Best?
The best card for you depends on your spending pattern:
- Amazon Shoppers: 👉 Amazon Pay ICICI Bank Credit Card
- Flipkart & Online Shopping: 👉 Flipkart Axis Bank Credit Card
- Cashback Lovers: 👉 HSBC Cashback Credit Card
- Travelers & Lifestyle Benefits: 👉 IDFC FIRST Select Credit Card
- Beginners & General Use: 👉 HDFC MoneyBack+ Credit Card
Before applying, check eligibility and offers on the bank’s website to get the latest deals.
Conclusion
A credit card with no annual fee helps you save money while enjoying benefits like cashback, rewards, and discounts. If you choose wisely, you can maximize your savings without paying extra charges.
So, which card are you planning to get? reply in Comment🚀
