Credit cards have become an essential part of modern financial life, offering convenience, security, and exciting rewards. However, many users hesitate to apply because of high annual fees. The good news? Several top Indian banks now offer credit cards with no annual fee, giving you all the benefits without extra charges. In this 2025 guide, we’ll explore the top 10 credit cards in India with no annual fee, their benefits, eligibility, and why they’re perfect for smart spenders.
Credit cards in India
Explore the top 10 credit cards in India with no annual fee that offer various rewards and benefits to cater to different lifestyles and preferences.
1. Amazon Pay ICICI Credit Card
Issuer: ICICI Bank
The Amazon Pay ICICI Credit Card is one of India’s most popular lifetime-free credit cards, offering up to 5% cashback on Amazon purchases and 1% cashback on all other transactions. With no joining or annual fees, it’s an excellent choice for online shoppers and Amazon Prime members. Reward points are automatically credited as Amazon Pay balance, and users also enjoy a 1% fuel surcharge waiver, making it a convenient and rewarding option for everyday spending.
2. Flipkart Axis Bank Credit Card
Issuer: Axis Bank
The Flipkart Axis Bank Credit Card is an excellent choice for avid online shoppers, especially those who frequently shop on Flipkart or Myntra. It offers 5% cashback on Flipkart and 4% on partner merchants, along with welcome benefits worth ₹1,000. Users can also enjoy exclusive discounts on Swiggy, Uber, and PVR. Moreover, the card has no annual fee from the second year onwards with a minimum annual spend of ₹3.5 lakh, making it both rewarding and cost-effective for regular online shoppers.
3. IDFC FIRST Millennia Credit Card
Issuer: IDFC FIRST Bank
The IDFC FIRST Classic Credit Card is a popular lifetime-free card known for its impressive reward rate and interest-free cash withdrawals for up to 48 days. It offers 10x reward points on weekend spends and a 25% discount on movie tickets, making it ideal for those who value both savings and lifestyle benefits. With no joining or annual fees, this card provides exceptional value and flexibility for everyday spending.
4. Axis Bank Neo Credit Card
Issuer: Axis Bank
The HDFC Bank Millennia Neo Credit Card is designed for young and digital-savvy spenders, offering attractive discounts on popular platforms like Zomato, BookMyShow, and Myntra. It comes with conditional no annual fee, cashback, and instant discounts across major online merchants, along with complimentary lounge access. Combining lifestyle benefits with affordability, this card is a smart choice for modern consumers who enjoy online shopping, dining, and entertainment.
5. HSBC Cashback Credit Card
Issuer: HSBC India
The HSBC Cashback Credit Card, offered by the global banking giant HSBC, provides lifetime-free benefits for select customers through invitation or special offers. It features 1.5% cashback on online transactions, along with cashback on all other purchases, making it ideal for everyday use. Additionally, the card includes a 1% fuel surcharge waiver and exclusive dining offers, combining global reliability with practical rewards for smart spenders.
6. Lifetime Free AU Bank Zenith Credit Card
Issuer: AU Small Finance Bank
The Lifetime Free AU Bank Zenith Credit Card offers a premium experience without any annual fee, making it a great choice for value seekers from AU Small Finance Bank. It provides free airport lounge access, cashback on groceries, fuel, and travel, along with reward points on every spend. Combining lifestyle perks with practical benefits, this card delivers the perfect balance of convenience, savings, and rewards for everyday and travel-related expenses.
7. SBI SimplyCLICK Credit Card
Issuer: State Bank of India
The SBI SimplyCLICK Credit Card is an excellent choice for online shoppers, offering exceptional rewards and flexibility. Cardholders earn 10x reward points on popular platforms like Amazon, BookMyShow, and Cleartrip, along with a ₹500 e-gift card as a welcome benefit. While it comes with a nominal annual fee, it is easily waived off with an annual spend of ₹1 lakh, making this card both rewarding and cost-effective for frequent online shoppers.
8. HDFC MoneyBack Credit Card
Issuer: HDFC Bank
The Axis Bank MY Zone Credit Card is a popular choice for online shoppers, rewarding every purchase with redeemable points that can be easily converted into cashback. It offers 2x reward points on online spends and a lifetime-free option for select customers. This card combines convenience, flexibility, and great value for those who prefer seamless rewards and effortless redemption with the annual fee waived on spending ₹50,000 in a year.
9. ICICI Platinum Chip Credit Card
Issuer: ICICI Bank
The ICICI Bank Platinum Chip Credit Card is perfect for first-time users, offering a lifetime-free experience with simple rewards and advanced security features. Cardholders earn 2 PAYBACK points for every ₹100 spent and enjoy a 1% fuel surcharge waiver, making it a practical and cost-effective option for everyday use. With its secure chip technology and no annual fees, this card is an ideal starting point for building a strong credit profile.
10. Kotak 811 Dream Different Credit Card
Issuer: Kotak Mahindra Bank
The Kotak 811 Dream Different Credit Card is a secured, lifetime-free card linked to the Kotak 811 savings account, designed to help new users build their credit score effortlessly. It charges no annual fee and offers 1 reward point for every ₹100 spent, making it a simple, safe, and effective option for those starting their credit journey.
Tips for Choosing the Right Credit Card
- Check reward redemption options and cashback rates
- Look for annual fee waivers based on spending thresholds
- Choose a card that complements your lifestyle (shopping, travel, dining)
- Always pay bills on time to avoid late fees and interest
Conclusion
If you want the convenience of credit without the burden of annual charges, these top 10 credit cards in India with no annual fee (2025) are your best options. Whether you love shopping online, traveling, or dining out, there’s a lifetime-free card that fits your needs. Compare features, check eligibility, and start building your credit journey wisely today!
