Credit Cards with No Annual Fees

Best 6 Credit Cards with No Annual Fees in India 2023 [Updated List All Banks Credit Cards Zero Fees]

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Best Credit Cards with No Annual Fees List: Credit cards have become an indispensable tool in today’s fast-paced world, offering convenience, rewards, and financial flexibility. With the multitude of credit card options available, it’s essential to choose wisely, and one crucial factor to consider is the annual fee. This article will introduce you to the best credit cards in India that will come with no annual fees in 2023, along with their features, benefits, and eligibility criteria. Let’s see Credit Cards with Zero Annual Fees:

1. HSBC Visa Platinum Credit Card:

The HSBC Visa Platinum Credit Card is a popular choice in India for its impressive features:

  • Zero Annual Fees
  • Fuel Surcharge Waiver: Enjoy savings of up to Rs. 3000 on fuel surcharge.
  • Travel Benefits: Access to airport lounges and discounts on hotel bookings.

Rewards and Cashback Offers:

  • Earn 2 reward points for every Rs. 150 spent.
  • Get a 10% cashback on all expenses within the first 90 days.

Eligibility Criteria: To qualify for this card, you must be an Indian citizen or resident, aged 18-65, with a good credit score and income.

2. Axis Bank Insta Easy Credit Card:

The Axis Bank Insta Easy Credit Card is known for its simplicity and no annual fee:

  • No Annual Fee
  • Easy online application process
  • Flexible credit limit based on eligibility
  • Enjoy an interest-free credit period of up to 50 days on purchases

Rewards and Cashback Offers:

  • Discounts on food delivery platforms like Zomato and Swiggy
  • Earn cashback on various brands

Eligibility Criteria: Applicants must be between 18-70 years old and have a fixed deposit account with Axis Bank.

3. Amazon Pay ICICI Bank Credit Card:

This co-branded card offers exclusive benefits:

  • No Annual Fee
  • No Cost EMI on Amazon.in
  • Contactless Payments for convenience

Rewards and Cashback Offers:

  • Reward points for every transaction
  • Cashback on Amazon Pay Eligibility Criteria: Applicants must be Indian residents, aged 18 or older, with specific income criteria depending on your relationship with ICICI Bank.

4. IDFC First Millennia Credit Card:

Designed for millennials, this card offers numerous benefits:

  • No Annual Fees
  • Welcome rewards worth up to Rs. 500
  • Fuel surcharge waiver

Rewards and Cashback Offers:

  • Earn reward points for every Rs. 100 spent
  • Get 5% cashback on the first EMI transaction

Eligibility Criteria: Applicants should be aged 21–60 with a good credit score.

5. ICICI Platinum Chip Credit Card:

This card is ideal for exclusive benefits:

  • No annual fees
  • Fuel surcharge waiver
  • Easy EMI facility

Rewards and Cashback Offers:

  • Earn 2 PAYBACK points for every Rs. 100 spent
  • Cashback offers on fuel, dining, and utility bill payments

Eligibility Criteria: Applicants must be at least 23 years old.

6. Dhanlaxmi Bank Platinum Credit Card:

A premium card with impressive privileges:

  • No Annual Fees
  • Fuel surcharge waiver
  • Insurance coverage

Rewards and Cashback Offers:

  • Reward points on every purchase
  • 5% cashback on select categories

Eligibility Criteria: Applicants must be aged 21-60 years with a good credit score.

Conclusion: Selecting the right credit card is a crucial financial decision. Each of the mentioned credit cards offers unique benefits without an annual fee. Consider your spending habits and needs to make the best choice for your financial well-being. As Warren Buffett wisely advised, “Do not save what is left after spending; instead, spend what is left after saving.” Choose a credit card that aligns with your financial goals and enjoy the benefits it offers.

  1. Is it good to get a credit card with no annual fee?
    • Yes, a credit card with no annual fee can be a wise choice to keep your credit card expenses low. However, always check for other associated fees and terms.
  2. Which free credit card is the best in India?
    • Several free credit cards in India offer different benefits. Refer to the article for a list of the top options.
  3. What is a lifetime free credit card?
    • A lifetime free credit card doesn’t charge an annual fee as long as you use the card. However, other fees may still apply.
  4. Is it good to have a credit card but never use it?
    • Having a credit card but not using it can still benefit your credit score. However, be mindful of the card’s terms and potential account closure due to inactivity.

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