Top Best Credit Cards in India with No Annual Fee

In India, there are several credit cards that provide appealing perks such as reward programmes, cashback, fuel savings, insurance benefits, travel benefits, and so on. Choosing the best credit card for your lifestyle needs will allow you to gain the most benefits from the card. In India, credit cards have a range of yearly fees. In some situations, you must pay an annual charge.  However, there are three situations in which you might obtain the greatest free credit card in India.  A few credit cards provide welcome gifts that are equal to or more than the sign-up fees. As a result, the net cost will be $0.

You can avoid paying yearly credit card fees if you spend a particular amount each year. For that year, the card will be free. In India, there are just a handful of lifetime free credit cards. On spendthrifts, the annual fee for a credit card is not a major problem. But, for individuals like you and me, every cent saved with a little effort matters.

ICICI PLATINUM CREDIT CARD

ICICI bank’s Platinum credit card is an entry-level credit card. You can acquire an ICICI instant platinum credit card for life (limited time offer), else the bank will charge you an annual fee of Rs 199. On the platinum credit card, you will receive basic privileges such as 3 payback points for Rs 100 spent. If you have a savings account with ICICI Bank, you can also get an immediate credit card against your fixed deposit. You may apply for the card by logging into ICICI online banking.

ICICI AMAZON PAY CREDIT CARD

For Amazon consumers, the ICICI Amazon Pay credit card is one of the finest zero annual fee credit cards in India. If you are a Prime member, you may save up to 5% on all Amazon purchases. Non-prime members will receive 3% cashback as Amazon pay balance.

One disadvantage is that you cannot apply for a credit card directly. You’d notice an invite on your Amazon Mobile App and get an email from Amazon. Only then will you be able to obtain this Amazon Pay credit card. If you already have an ICICI credit card, you will be invited exclusively. To receive the invite, you must first link your current ICICI credit card to your Amazon account. If you do not already have an ICICI credit card, apply for one.

STANDARD CHARTERED PLATINUM REWARDS

If you are applying for a credit card for the first time and want a credit card with no annual fees for life, the standard chartered platinum rewards credit card is the best alternative. If you are a paid employee, you have a good probability of getting the Platinum card. (The approval rate is high if you have a minimum monthly salary of Rs. 25,000 from private or government employment).

HDFC DINERS CLUB BLACK

With unrestricted worldwide lounge access and exceptional incentives, this credit card is the whole deal for high-end spenders. With a credit limit of 4 lakhs, the HDFC Diners Club Black card is the ultimate premium credit card. It has deservedly been labelled the greatest foreign credit card. At 2.0 per cent, it has one of the lowest foreign currency exchange rates. You will also gain access to six free golf games every quarter. It gets even better since you may earn up to 3.33 percent on every retail purchase (excluding fuel). and you will gain 5 reward points for every 150-transaction.

INDUSLAND BANK PIONEER LEGACY

Among all lifetime free credit cards in India, the IndusInd Bank Pioneer Legacy card has the best reward rate. You’ll be able to get 1% back on all of your weekday purchases (1 point for every $100 spent) and an even higher 2% back on weekends. Furthermore, as part of their anniversary incentive, if you spend $600,000 during a year, you will earn an additional 6,000 points. You will receive special gift certificates for Oberoi Hotel groups as a sign-up incentive, as well as a Luxe gift card – one card for several pleasures.

SBI CARD PRIME

SBI Card PRIME considered the greatest credit for utility bill payments, comes with a priority pass for four free international and eight free domestic airport lounge visits.

It includes 3,000 welcome e-gift cards. This may be used to make purchases at Pantaloons, Yatra, Bata/Hush Puppies, Shoppers Stop, and other stores. The yearly charge is eliminated for cardholders who have at least 3 lakhs in spending. This card comes in both MasterCard World and Visa Signature versions.

SBI Card PRIME is the market’s most valued credit card. For example, the card offers a rewards rate of 5%, or 20 points for $100 spent, which is the highest reward rate for utility bill payments in India.

AMERICAN EXPRESS PLATINUM TRAVEL

For regular travellers, the American Express Platinum Travel credit card is an excellent choice. This card provides additional travel gift certificates in addition to complimentary lounge access. It all comes down to enjoying those milestone perks. You will receive a welcome gift of 10,000 rewards points, valid for a Flipkart voucher or a 3,000 Amex travel online pay with points option. In addition, if you spend 1.9 lakhs in a year, you will earn travel coupons worth $4,500. This card not only enhances your entire travel experience, but it also includes additional perks such as frequent discounts and offers at MakeMyTrip and other redemption incentives. Furthermore, for every $50 spent, you will receive one reward point. It doesn’t get much better than this.