In 2025, having a credit card doesn’t have to come with high annual fees. Several banks in India now offer no-annual-fee credit cards packed with features like cashback, reward points, and discounts. These cards are ideal for first-time users, budget-conscious individuals, and those who want to enjoy benefits without worrying about recurring charges. In this article, Vivek Sharma lists the top no-annual-fee credit cards in India and their key features.
➡ Apply for No-Fee Credit Cards Here
1. Amazon Pay ICICI Credit Card
- Why It’s Great:
- Best for frequent Amazon shoppers.
- Key Features:
- 5% cashback for Amazon Prime members.
- 1% cashback on all other spends, including fuel transactions.
- Annual Fee: None.
- Best For: Online shopping and everyday purchases.
➡ Learn More About Amazon Pay ICICI Card
2. HSBC Visa Platinum Credit Card
- Why It’s Great:
- Combines zero fees with excellent cashback and lifestyle benefits.
- Key Features:
- 3x reward points on dining, groceries, and online purchases.
- 10% cashback on spends up to ₹10,000 in the first 90 days.
- Annual Fee: None (Lifetime free).
- Best For: Beginners and everyday use.
➡ Apply for HSBC Visa Platinum Card
3. Flipkart Axis Bank Credit Card
- Why It’s Great:
- Excellent for Flipkart and Myntra users.
- Key Features:
- 5% unlimited cashback on Flipkart and Myntra.
- 4% cashback on preferred merchants (e.g., Swiggy, Uber).
- Annual Fee: None for the first year (₹500 from the second year, waived if criteria met).
- Best For: Online shoppers.
➡ Check Flipkart Axis Bank Card Details
4. IDFC FIRST Millennia Credit Card
- Why It’s Great:
- Lifetime free credit card with travel and shopping benefits.
- Key Features:
- 3x reward points on online purchases.
- Complimentary airport lounge access.
- Annual Fee: None (Lifetime free).
- Best For: Frequent travelers and first-time credit card users.
➡ Explore IDFC FIRST Millennia Card
5. Standard Chartered Rewards+ Credit Card
- Why It’s Great:
- Focused on earning rewards for everyday spending.
- Key Features:
- 5x reward points on dining and fuel spends.
- Complimentary movie tickets on selected platforms.
- Annual Fee: Waived on spending ₹12,000 annually.
- Best For: Dining and fuel expenses.
➡ Apply for Standard Chartered Rewards+ Card
6. Kotak Fortune Gold Credit Card
- Why It’s Great:
- Simple and hassle-free card with no hidden charges.
- Key Features:
- Fuel surcharge waiver.
- Easy EMI conversion for large purchases.
- Annual Fee: None (Lifetime free).
- Best For: Budget-conscious users.
➡ Learn About Kotak Fortune Gold Card
7. SBI Unnati Credit Card
- Why It’s Great:
- Great entry-level card with a refundable security deposit option.
- Key Features:
- 1% cashback on spends above ₹500.
- No annual fee for the first 4 years.
- Annual Fee: None (for 4 years).
- Best For: New credit card users and beginners.
➡ Explore SBI Unnati Card Details
8. IndusInd Bank Platinum Aura Edge Credit Card
- Why It’s Great:
- Perfect for earning rewards on lifestyle and travel spending.
- Key Features:
- Reward points on dining, entertainment, and shopping.
- Discounts on hotel and travel bookings.
- Annual Fee: None (Lifetime free).
- Best For: Lifestyle and travel benefits.
➡ Apply for IndusInd Platinum Aura Card
9. YES Prosperity Edge Credit Card
- Why It’s Great:
- Offers great rewards on retail and dining spends.
- Key Features:
- 5x reward points on groceries and dining.
- 2x points on other categories.
- Annual Fee: Waived on spending ₹2,50,000 annually.
- Best For: Retail and dining enthusiasts.
➡ Learn More About YES Prosperity Edge Card
10. RBL Bank ShopRite Credit Card
- Why It’s Great:
- Designed for grocery shopping and everyday needs.
- Key Features:
- 5% cashback on groceries.
- 1 reward point for every ₹100 spent on other categories.
- Annual Fee: ₹500 (waived on spending ₹1,50,000 annually).
- Best For: Grocery shoppers.
➡ Check RBL ShopRite Credit Card Details
How to Choose the Best No-Annual-Fee Credit Card
- Analyze Spending Habits:
- Choose a card that aligns with your frequent spending categories (e.g., groceries, travel, or shopping).
- Compare Perks:
- Look for cards with added benefits like cashback, reward points, and lounge access.
- Eligibility Criteria:
- Ensure you meet the income or deposit requirements for the card.
➡ Compare No-Fee Credit Cards Here
Conclusion:
No-annual-fee credit cards are an excellent choice for those who want to enjoy credit card benefits without worrying about recurring fees. The options listed above cater to various lifestyles and spending patterns, making it easier for you to find the perfect fit.
As Vivek Sharma, I recommend choosing a card that aligns with your financial goals and offers maximum rewards for your spending habits. Stay connected with Computer Academy for more financial insights and credit card recommendations.
Top Credit Cards with No Annual Fees in India (2025)
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