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No Annual Fee Credit Card

Lifetime Free Credit Cards

Last Updated 26th Jan 2022

No annual fee credit card is the credit card issued by banks on which account holders do not have to pay any joining fee or annual fee for lifetime. Some of the best no annual free credit cards are:

Bank Lifetime Free Credit Card
ICICI Bank Amazon Pay Credit Card, Platinum Chip Credit Card
SBI Unnati Credit Card
HDFC Bank Corporate Platinum Card
Axis Bank Insta Easy Card, Pride Signature Card
Citibank IndianOil Platinum Card, IndianOil Titanium Card, PremierMiles Card
Standard Chartered Bank Emirates Platinum Card, Manhattan Platinum Card, Platinum Rewards Card, Super Value Titanium Card, Ultimate Card, Visa Infinite Card
HSBC Bank Advance Visa Platinum Card, Premier Master Card, Visa Platinum Card
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Top No Annual Fee Credit Cards in India

There are many credit cards offered by the banks in India. There are few credit cards on which you pay the annual fees, and there are credit cards on which an individual does not have to pay annual fees, such cards are called no annual fee credit card. Paying an annual fee on a credit card can be worth it if the credit card offers enough rewards and mile points. However, it is also true that there are several free credit cards which have solid offers. These zero fee credit cards can also help improve the credit score of a person if the card is used in a limited manner as the credit utilization ratio will be lowered down substantially.

Here are the best free credit cards:-

Credit cards Suitable for
Axis Bank Flipkart Axis Bank Credit Card Lifestyle, Shopping, Travel and Airline
Axis Bank Insta Easy Card Low Fee
Axis Bank My Wings Card Cashback, Rewards, Travel and Airline
Axis Bank Pride Signature Card Rewards
Axis Bank Vistara Infinite Credit Card Rewards
ICICI Amazon Pay Credit Card Shopping
ICICI Coral Card Lifestyle, Shopping
ICICI HPCL Platinum Card Cashback, Fuel
ICICI Platinum Chip Credit Card Low Fee, Rewards
HSBC Advance Visa Platinum Card Low Fee
HSBC Premier Master Card Low Fee
HSBC Visa Platinum Card Cashback
Standard Chartered Visa Infinite Card Lifestyle
SBI Unnati Credit Card Rewards
HDFC Corporate Platinum Card Low Fee

No Annual Fee Credit Cards - Features And Benefits

Axis Bank My Wings Card

A card launched by Axis Bank for the frequent flyers. A cardholder can enjoy two complimentary flights in a year at a base rate. The other benefits which are cashback on bookings from IRCTC railway tickets, bus tickets and flight tickets.

  • Use and redeem your 2 complimentary flight tickets
  • Travel easy with hotel and holiday vouchers worth ₹10,000
  • Book bus tickets with ease and get cashback ₹ 100
  • ₹ 400 cash back on booking any car rentals in India.
  • Get ₹ 25 off everytime you book your tickets with My Wings Credit Card on
Axis Bank Insta Easy Card

This card is especially by the bank for its burgundy customer. The card comes free for a lifetime and is best for the people who love to live a luxurious life.

  • Get up to 50 days without any charges
  • High cash withdrawals of up to 100%, with flexible credit limit
  • Assured approval of credit card application
  • The card is equipped with the Platinum Chip Card, which offers clear authentication of credit payments, combined with easy fraud detection
Standard Chartered Visa Infinite Card

The card meets the lifestyle requirements of the cardholders, as it offers rewards points and cashback. It is only offered for SCB’s Priority Banking Clients.

  • Reserved for Priority Banking customers
  • Avail Personalised Services
  • Enjoy a host of discounts and offers across dining, shopping, travel and much more
  • Buy 1 get 1 offer on tickets purchased during the weekend
  • Whenever you make purchases at selected retail chains, fashion stores, supermarkets and overseas, you earn up to 5 times the normal reward points.
HSBC Visa Platinum Card

HSBC Visa Platinum Credit Card is a rewards and cashback card with zero joining and annual fee. The HSBC Credit card offers cashback, rewards, and discounts on flights, dining, hotels, telecom and BOGO offer on BookMyShow and this VISA card is accepted in more than 200 countries.

  • Maximum Cashback upto ₹3000 with a minimum spend amount of ₹ 10,000 across 9 transactions
  • Get a ₹ 2000 ClearTrip voucher on first transaction of any amount
  • 2 Reward points for every ₹ 150 spent
HSBC Premier Master Card

The HSBC Premier MasterCard credit card is for people who love to go for shopping, travel, dining and much more. It comes exceptional rewards program providing the best for the customers.

  • 2 Reward points for every ₹ 100 spent
  • Redeem your reward points for premium brands like Jimmy Choo, Tumi, Bose, Apple
  • Discounted green fees and dedicated 24-hour golf concierge service
  • Get Complimentary access and discount at selected golf courses in India and overseas
HSBC Advance Visa Platinum Card

The bank offers this card exclusively to customers who hold an HSBC Advance account. It comes with state-of-the-art features and privileges, which helps you earn up to 5 times the normal reward points.

  • 3 Times Rewards Program Bonus Points on online spends for the first 24 calendar months from the date of issuance of your credit card
  • 5 Times Rewards on subsequent purchases made after crossing spend amount of ₹ 400,000 in a year up to a maximum of ₹10 Lakh in a year
  • Air Miles conversion into InterMiles on British Airways and Singapore Airlines
ICICI Coral Card

The Coral Card is high on rewards and benefits. It comes with annual bonus points and 50% more rewards on online spends. The ICICI Credit card offers the most exclusive lifestyle privileges and the instant approval facility.

  • Get up to 10,000 PAYBACK points every anniversary year
  • Get one complimentary domestic airport lounge and one domestic visits per quarter
  • Spend ₹1.5 Lakh in previous year and get annual fee waived off
  • Access to Airport lounges and Railway lounges will be applicable only for primary cardholders
  • 40% off on Annual Subscription of EROS NOW.
ICICI HPCL Platinum Card
  • Discounts applicable at 800 leading reastaurants across citites in India courtesy its treats program
  • Spend 50,000 or more annually and get joining fee of ₹199 reversed for that year
  • Earn 2 PAYBACK Points on every ₹100 spent on retail purchases except fuel
ICICI Platinum Chip Credit Card
  • New chip cards with an extra layer of security in the form of a Personal Identification Number
  • Rewards powered by PAYBACK, redeemable for exciting gifts and vouchers
  • Buy 1 Get 1 movie ticket Free each month on BookMyShow.
HDFC Corporate Platinum Card

HDFC Corporate Platinum Credit Card is tailor-made for business professionals. It offers a host of benefits like lounge access and insurance coverage and other luxury privileges.

  • 24x7 online MIS availability
  • Substantial savings
  • Streamlining of accounting procedures
  • Exclusive lounge access for corporate card customers at select airports
  • Upto 60 MIS reports for better informed business decisions- Spending analysis by category
    - Expense reports
    - Cost allocation details and summary
    -Merchant summary and details
    - Account management for detailed transaction information at employee level
ICICI Amazon Pay Credit Card

ICICI bank offers amazon pay credit card to the customers to add more to their lifestyle by providing affordable and exclusive offers on shopping at Amazon. Apart from that, one can also avail cashback up to 2% on 100+ Amazon Pay partner merchants.

  • Amazon Prime customers can earn up to 5% cashback and non-prime customers can up to 3% cash back.
  • 15% discount at partner restaurants of ICICI Bank
  • Fuel surcharge waiver across all petrol pumps
  • 3% cashback is offered on purchase at
Axis Bank Flipkart Axis Bank Credit Card

Flipkart Axis Bank credit card is a go-to card for fulfilling expenses across all categories. The card offers benefits on travel, shopping, entertainment, and lifestyle. Apart, cardholders can avail various cashback offers with every transaction.

  • The card offers 5% cashback on transactions made with Flipkart, Myntra and 2GUD.
  • The card offers four complimentary lounge visits to selected airport lounges per year.
  • Activation and joining benefits worth ₹3300 across multiple brands such as FlipKart, Myntra, gaana, Goibibo, Makemytrip, and UrbanClap.
SBI Unnati Credit Card

SBI Unnati is a new credit card launched by State Bank of India. This card is issued to an account holder who has an account balance of Rs 25,000. The card has host of benefits.

  • SBI Unnati credit card is accepted across the globe
  • An interest-free credit period of 20-50 days can be granted
  • The card comes with no annual fees for first 4 years.
Axis Bank Pride Signature Card
  • 15 discount on all partner restaurants
  • Enjoy fuel surcharge waiver on fuel transactions
Axis Bank Vistara Infinite Credit Card
  • Complimentary business class ticket of Vistara Airlines as a welcome gift
  • Complimentary membership of Club Vistara

How to Apply for Zero Annual Fee Credit Card Online?

You can apply for a Zero annual fee credit card by visiting the official website of the card issuer, of which they want a credit card. You can also apply for a zero annual fees credit card online at MyLoanCare. Follow the following steps to procure one:-

  • Visit the website of MyLoanCare.
  • Click on Credit Card.
  • Apply for a credit card using the ‘Apply for credit card’ form.
  • Fill all the details like personal and occupational details.
  • Click on ‘Get Quote’.
  • Verify the OTP received on your mobile number and check the best offers available on Credit Cards.


Are there any other hidden charges if I use a Lifetime Free credit card?

No, there are no hidden charges attached to no annual fee credit card.

Are there any criteria to get a credit card for free?

Yes, every bank has eligibility criteria according to which the credit cards are offered. Some banks offer credit cards only to people who have an annual salary of ₹ 4 Lakh and are residents of metropolitan cities. While there are banks who offer cards to a person who has a fixed deposit at any of their bank branches.

What is the minimum salary for a free credit card?

The income eligibility criteria for a free credit card differ from bank to bank. However, most of the banks require a minimum income ₹ 15,000 to offer no annual fee credit card.

How can I find lifetime free credit cards?

To find a lifetime free credit card, you can compare lifetime credit cards, their benefits and also the period for which annual fees is zero at MyLoanCare.

Can I use my lifetime free credit card to withdraw money from ATMs in India?

Yes, you can use zero fee credit cards to withdraw money from the ATMs across India.

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Credit Card News - Jan 2022
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    Axis Bank has seen double-digit growth in GDP and Credit in FY 2024. At the same time, the GDP and credit are seen at 9.5% and 7% in FY 2022. Therefore, the bank aims to achieve GDP and Credit Growth at 8.2% and 8%, respectively.
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    State Bank of India has launched a fitness-focused credit card, SBI Pulse Card. The card provides welcome gifts such as Noise Color Fit Pulse Smartwatch worth Rs. 4999 and other health benefits.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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