Best Credit Cards In India (With No Annual Fee)

Credit Cards are very wildly popular among youngsters and salaried person with surprise cash back offers form online and offline stores we need to check which suites the best for our uses. We have found information about Top 10 Best Credit Cards In India  (With No Annual Fee) which will give you the freedom to shop.

#1. ICICI Instant Platinum Card

ICICI bank offers Instant Platinum Card against a fixed deposit in your saving account for the first time credit card users in India. As said, it is for the first time credit card users.The Supplementary Credit Card fee is also NIL.

Other Perks:

  • Earn reward points and redeem for cash.
  • Get ₹ 100 discount on up to 2 movie tickets per month at
  • Minimum 15% savings on dining at over 800 restaurants courtesy our Culinary Treats program.
  • Low interest rate –  Earn interest on your Fixed Deposit and use the Instant Card to manage your day to day liquidity – the Card is available at a low interest rate of just 2.49% per month.

Annual Fee: Nil.


  • The minimum Fixed Deposit amount is ₹ 20,000.
  • The minimum tenure of the Fixed Deposit has to be 180 days.

Best Used for: First Time Credit Card applicants.


Apply for ICICI Platinum Card

#2. Standard Chartered Platinum Rewards Card

There is no annual fees or joining fees attached with this credit card. The approval is little difficult than ICICI bank credit card.

Other Perks:

  • Earn 5 reward points for every Rs.150 spent at fine-dining outlets
  • Earn 5 reward points for every Rs.150 spent on fuel
  • Earn 1 reward point for every Rs 150 spent on all other categories
  • Earn 5 reward points for every Rs.150 spent at hotels

Annual Fee: Nil

Eligibility:Minimum Salary should be 6Lakh Per Annum.

Best for : Salaried people who want to own all rounder credit card

Quick Application Link For SC Platinum Card 

  • No joining fee, No Annual fee if you apply online.

#3. HSBC Visa Platinum Card

This card is best for hose who used to travel around the world

Other Perks:

  • 10% cashback on all spends for first 90 days. The expenditure should be more than Rs. 9,999. Maximum cashback is Rs. 3,000.
  • 3x reward for expenditure on dining, hotels and telecom for one year.
  • 5x reward for expenditure between 4 lakh and 10 lakh.
  • 20% discount at selected restaurants and lounges in India

Annual Fee: Nil.(Min Salary 4Lkh per year)

Best Used for: Cashback.

HSBC Credit Card Apply Online Link

#4. Kotak Royale Signature Credit Card

Other Perks:

  • 15X reward points on every Rs. 150 spent.
  • 2 Complimentary domestic airport lounges access every quarter of the year.
  • Theft cover of Rs. 2.5 lakh is covered for up to 7 days.
  • 2.5 % Fuel Surcharge waiver across all petrol pumps in India.

Annual Fee: Nil.

Best Used for: Lifestyle expenses.

#5. RBL Bank IGU NHS Golf World Credit Card

Other Perks:

  • 2 Reward Points per Rs. 100 spend.
  • 10x Reward points at selected partners.
  • Access to 11 premier Indian golf courses and  unlimited golfing lessons.
  • 50% off on green fee access.
  • Rs. 1,000 cashback on Rs. 1 lakh spend per year which reduces to Rs. 25,000 for senior citizens of age more than 65 years.
  • Theft cover of Rs. 2 lakh is covered for up to 4 days.

Annual Fee: Nil.

Best Used for: Travel and expense on Golfing.

#6. IndusInd Bank WorldMiles Credit Card

Other Perks:

  • 2.5% fuel surcharge waivers at any petrol pump.
  • Earn upto 3 SpendMiles on routine purchases.
  • Offers at Bon Vivant outlets at major cities.
  • Cover for the total credit limit for fraud cases.
  • Air Accident insurance up to Rs. 25 lakhs.
  • Rs. 1 lakh for lost baggage insurance. Get up to Rs. 25,000 for delayed baggage, ticket loss, lost passport up to Rs. 50,000 and missing the connecting flight insurance from  ICICI Lombard General Insurance Company Limited.

Annual Fee: Nil.

Best Used for: Travel.

#7. Kotak Bank Fortune Gold Credit Card

Annual Fee: Nil.

Other Perks:

  • Zero interest cash withdrawal.
  • 4 free tickets from PVR or Rs.750 cashback on expenditure more than Rs.1,50,000.
  • Theft cover of Rs. 50,000 is covered for up to 7 days.

Best Used for: Multipurpose. Covers  Shopping expenses, Lifestyle expenses, Dining expenses etc.

Annual Fee waiver Credit Cards:

#8. SBI Simply Save (Simply Click)

Annual Fee: 499/-

Fee Waiver: First year fees will be waived off if you annual spend is more than 75,000 rupees. (1L for simply click)

Quick Application Link for SBI Simply Save Credit Card

Best For: Fuel surcharge waiver and 10x rewards on grocery stores

Other Perks:

  • Spend 2000 in first 60 days to earn 2000 bonus points
  • 10x reward points for spend in grocery and departmental stores
  • 10x rewards for spend on dining & movies
  • Fuel surcharge waiver for transactions above 500 rupees

If you spend more on online spends, then apply for SBI Simply Click Credit Card instead of SimplySave.

#9. HDFC Moneyback Card

Annual Fee: Varies, depending upon user.

Fee Waiver:

First year fee is waived off if you spend Rs. 10,000 within 90 days of card activation. Renewal fees are waived on total expenditures of Rs. 50,000.

Best Used for: Online Shopping.

Other Perks:

  • Redeem Reward points as Cash Back @ 100 Reward Points = Rs. 30
  • Get 2.5 % fuel surcharge waiver.
  • Rs.250 cashback on first transaction of Rs.1000 within first 45 days.
  • Earn 2 Reward Points on every 150 spent for all retail purchases.
  • Earn 4 Reward Points on online Purchases.

#10. Citibank Rewards Domestic Credit Card

Annual Fee: Rs. 1000.

Fee Waiver: Annual fee is waived off after a purchase of Rs. 30,000.

Best Used for: Shopping.

Apply for Citibank Card

Other Perks:

  • Earn 10 Reward Points on Rs. 125 expense made at Apparel and Department stores.
  • Earn 1 reward point for spending Rs. 125 anywhere else.
  • Redeem at departmental stores, retail shopping sites, travel sites or frequent flyers.
  • No expiration for RP.

#11. First Citizen Citibank Titanium Credit Card

Annual Fee: Rs. 500.

Fee Waiver: Annual fee is waived off after a purchase of Rs. 30,000.

Best Used for: Shopping at Shopper stop.

Other Perks:

  • 7 Reward Points for every spend of Rs. 100 at Shoppers Stop.
  • 1 Reward Point for every spend of Rs. 100 anywhere else.
  • Purchase at any Indian Shoppers Stop outlet to win accelerated rewards points.
  • Save 20% at over 1,000 Indian restaurants.

Which Card Should You Apply?

If you are first time credit card user, then apply for reward paying credit card without any annual fees –  Standard Chartered Platinum Credit Card.

If you can spend 500 rupees on annual fees then apply for SBI Simply Click Credit Card (for people who have online spending habit)

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Best  Credit Cards  In India (With No Annual Fee)

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