Lifetime Free Credit Cards (No Annual Fee)

The following is the list of features and benefits of No Annual Fee credit cards:

1. These are life-time free cards and users do not need to pay any annual fee for availing any of its features
2. Ensures cost savings in fuel transactions by offering a 1% fuel surcharge waiver.
3. Offers various benefits, such as airport lounge access, discount on shopping, dining or delivery of food, movie tickets, etc.
4. These cards also provide welcome benefits such as bonus reward points, vouchers, OTT subscriptions, and many others
5. Income requirement is quite low for these cards
6. The eligibility criteria for these cards are simple, thereby ensuring a quick approval of the application
7. Ensures easy access to money and maximises savings by providing rewards, low interest rates and eliminating unnecessary fees.
8. Allows cardholders to build strong credit reports with zero maintenance.
9. Does not charge unexpected fees.

Top Lifetime Free Credit Cards in India

FinBooster: YES BANK - BankBazaar Co-branded Credit Card

Key Highlights: The FinBooster: YES Bank - BankBazaar Co-branded Credit Card helps you to build a high credit score and good credit behaviour. You get regular credit fitness reports and these give you insights into your financial health.

1. Joining Fee: NIL
2. Renewal Fee: NIL  

Features and benefits:

1. Free Credit Reports: With the FinBooster credit card, you get CreditStrong reports with a real-time dashboard that helps you track your credit score and improve your credit health. 

1. Reward Points: This credit card offers accelerated reward points. You earn 5X rewards points on online dining transactions, 3X reward points on apparel or online grocery transactions, and 2 reward points on other retail spends. 

1. Contactless Transactions: This credit card comes with NBFC-enabled technology, which allows you to complete contactless transactions. 

1. Insurance Coverage: You also get an accidental death insurance coverage of Rs.2.5 lakh for primary cardholder with this card. 
2. Fuel Surcharge Waiver: For fuel transaction of Rs.400 up to Rs.5,000, the card offers 1% fuel surcharge waiver at all fuel stations in India.

1. Easy EMI Conversions: This credit card also offers a facility to convert transactions as low as Rs.2500 into easy EMIs. 

1. Instant Loan: You can also avail yourself of an instant loan up to the credit limit using this credit card. 

1. YES PayNow: You can use the YES PayNow feature with this credit card to settle your dues on time. 

Note: The existing YES Bank credit card holders are not eligible to apply for this credit card. 

Suitable for: Those who want to build a high credit score and get access to the CreditStrong report.

RBL Bank BankBazaar SaveMax Credit Card

The RBL Bank BankBazaar SaveMax Credit Card is a lifetime free credit card that provides an array of appealing rewards and cashbacks. It also includes a complimentary monthly credit advisory from BankBazaar, enabling you to track your spending and monitor your credit score. Additionally, the card offers features such as balance transfer, EMI conversion, and a pre-approved loan facility.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features & Benefits:

1. Reward Points: With RBL BankBazaar SaveMax credit card, earn 5X reward points on grocery transactions, capped at 1000 reward points in a month. You also earn one reward point every time you spend Rs.100 using SaveMax credit card. 

1. Cashbacks: The card offers 10% cashback on Zomato and 10% discount on BookMyShow (up to Rs.100 every month on each merchant) on each transaction. 

1. MyCard App: Manage your credit card, pay utility bills, get merchant offers and instant loans through the RBL Bank MyCard App. 

1. Free Credit Report: With this credit card, you also get access to a free credit report every month at BankBazaar.com. 

Suitable for: Those who wish to avail exciting rewards and cashback.

HSBC Visa Platinum Credit Card

The HSBC VISA Platinum credit card is suitable for shopping, dining, and fuel purchases. With this credit card, you earn reward points and get access to a host of other premium services, such as zero lost card liability, emergency card replacement, etc.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Welcome Benefits: This credit card offers Amazon e-gift voucher worth Rs.100, after completing video KYC and application. You also get a cashback of Rs.500, on downloading and logging into the HSBC India Mobile App and spending at least Rs.5,000 within the first 30 days of card issuance.

1. Fuel Surcharge Waiver: The card provides annual savings of up to Rs.3000 on fuel surcharges.  

1. Reward Points: Earn two reward points on every Rs.150 spent using this credit card. 

1. Air Mile Conversions: Reward points earned on this credit card can be converted to air miles with Singapore Airline, British Airways, and Etihad Airways. 

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1. Milestone Benefits: After spending Rs.4 lakh on any purchase, HSBC Visa Platinum cardholders receive five times the reward points, up to a maximum of 15,000 accelerated reward points in an anniversary year. 

1. Add-on Benefits: Offers other benefits, such as emergency card replacement; exclusive access to discounts on selected partners; balance transfer; and 24x7 online global access to accounts. 

1. Lost Card Liability: Up to Rs.3 lakh in insurance coverage will be provided for any misuse of your card beginning 24 hours before you report it lost.

Note: Reward points can be converted into air miles with Air India, Etihad Airways, British Airways and Singapore Airlines.

Amazon Pay ICICI Credit Card

Key Highlights: The Amazon Pay ICICI credit card helps you save even when you are availing exclusive benefits.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Reward Points: This credit card offers 5X reward points for every Rs.100 spent on Amazon for prime members, 3X reward points for every Rs.100 spent on Amazon for non-prime members, and 2X reward points on purchases made from 100+ merchant partners and 1X reward points for other transactions. Do note that the reward points earned with this credit card are unlimited and never expire. 

1. Fuel Surcharge Waiver: Get 1% fuel surcharge waiver on all fuel transactions. 

1. Dining Discounts: Get discounts on dining transactions made with this credit card with the Culinary Treat Programme.

Note: No reward points will be offered on EMI, gold, silver, precious metal, tax-related payments, rent transactions, purchases on Amazon, and fuel purchase.

Suitable for: Those who shop frequently on Amazon.

ICICI Bank Platinum Chip Credit Card

Key Highlights: The ICICI Bank Platinum Chip credit card is lifetime-free and easy to manage.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and Benefits:

1. Fuel Surcharge Waiver: Get a fuel surcharge waiver of 1% for transactions ranging between Rs.400 to Rs.4000 at all HPCL petrol pumps. 

1. Easy EMI Conversions: Offers easy EMI conversion of large purchases. 

1. Reward Points: Enables users to redeem reward points across multiple categories. Get 2 reward points for each Rs.100 you spend at retail stores, excluding fuel. Get 1 reward point for each Rs.100 you spend on insurance and utility. 

1. Dining Benefits: With the Culinary Treat Programme, the cardholders will earn dining discounts. 

1. Security: Ensures quick and secure payment through its built-in technology. Ensures added security through this chip card.
2. The redemption of reward points can be made for home appliances, electronics, health and beauty, fashion and lifestyle, travel and luggage, and shopping vouchers.

Suitable for: Those who want to earn exciting reward points on online shopping.

IDFC First Select Credit Card

Key Highlights: The IDFC First Select Credit Card offers high rewards with zero annual fee along with multiple offers and discounts, such as travel benefits, lifestyle benefits, comprehensive insurance and many more.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Welcome Benefit: Get a gift voucher worth Rs.500 on completing transactions worth Rs.5000 within 30 days of card issuance. 

1. Zero Interest Cash Withdrawal: This credit card allows you to withdraw cash from ATM for up to 45 days. Do note that a one-time cash withdrawal fee of Rs.199 + GST will be applicable. 

1. Lounge Access: Get up to two complimentary airport lounge access every quarter. You also get up to four complimentary railway lounges access every quarter. 

1. Low Forex Markup Fee: This credit card offers a low forex mark-up fee of 1.99% 

1. Free Trip Cancellation Cover: You get a free trip cancellation cover of up to Rs.10,000 on non-refundable flight and hotel cancellations. Do note that the maximum cover of Rs.10,000 can be used for up to two claims during the policy period and is shareable between Primary and Add-On cardholders. 

1. Reward Points: Earn 10X reward points on incremental spends above Rs.20,000 in a statement cycle and transactions done on your birthday. Earn 3X reward points online and offline spends for selected categories up toRs.20,000. Get 1X reward points on paying insurance premiums and utility bills. Do note that reward points earned using this credit card never expire. 

1. Cashbacks: Get 5% cashback (up to Rs1,000) on the transaction amount of your first EMI made within 30 days of card issuance.

Suitable for: Frequent shoppers and travellers.

IDFC First Millennia Credit Card

Key Highlights: The IDFC First Millennia Credit Card offers high rewards at zero annual fee and comes with other benefits, such as low interest rates, interest free cash withdrawal for up to 45 days, and many more.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Welcome Benefits: Offer gift voucher worth Rs.500 spending Rs.5000 and above within 30 days of card issuance on multiple brands, such as Amazon, BigBasket, Uber and Lifestyle. 

1. Cashbacks: On making first EMI payment within 30 days of card generation, the cardholders will earn 5.00% cashback up to Rs.1000. 

1. Rewards Points: On spending more than Rs.20,000 on cardholders' birthday, the card offers 10X reward points. For spending up to Rs.20,000 on online and offline purchases, the card offers 3X reward points. On Insurance premium payments and Utility bill payments, the card offers 1X reward points. Do note that this card offers lifetime valid unlimited reward points and are applicable for online and in-store purchases.

1. Easy EMI Conversions: This credit card allows you easy Allows EMI conversion for transactions worth more than Rs.2,500. 

1. UPI Spend Rewards: Offers 3X rewards points on all UPI transactions. 

1. On the first four transactions, the card offers cashback of up to Rs.200. 

1. Low Annual Percentage Rate (APR): Lowest interest rate offered at 8.50%. 

1. Complimentary Lounge Access: Offers four complimentary railway lounge access across the country every quarter. 

1. Add-on Benefits: Offers personal accident cover and lost card liability cover of Rs.2 lakh and Rs.25,000, respectively. Offers complimentary road-side assistance worth Rs.1,399 which is valid for up to four times a year. 

1. Accelerated Rewards: Earn 50 reward points for every Rs.150 spent on hotel bookings and earn 20 reward points for every Rs.150 spent on flight bookings.

Suitable for: Frequent shoppers and travellers.

Kotak 811 #DreamDifferent Credit Card

Key Highlights:

The Kotak 811 #dreamDifferent Credit Card is a fixed-deposit backed credit card. The secured credit card includes fuel surcharge waiver, railway surcharge waiver, and exclusive offers on achievement of milestones. The cardholder can avail the milestone program on spending of Rs 75,000+ and can get bonus offers on either cashback or PVR tickets.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Fuel Surcharge Waiver: Get a 1% fuel surcharge waived on all petrol pumps for transactions between Rs.500 and Rs.4,000 (Maximum Rs. 3,500 per year) 

1. Railway Surcharge Waiver: Get 1.8% railway surcharge waiver up to Rs.500 on booking on IRCTC website and 2.5% on booking at railway counter 

1. Reward Points: Earn 4 Reward Points on transactions of Rs.100 on online spends made using the 811 #DreamDifferent Credit Card Rupay variant. Get 1 Reward Points on offline spending with the existing 811 #DreamDifferent Credit Card. 

1. Cash Withdrawal Facility: Up to 90% of the total credit limit can be withdrawal in cash. For ATM withdrawal and Funds Transfer, charges processing fee of Rs.100. No interest rate will be charged on cash advance for up to 48 days from withdrawal. 

1. Balance Transfer Facility: This credit card also offers a balance transfer facility. Do note that for balance transfer, a process fee of Rs.349 is charged per Rs.10,000. 

1. On fresh retail purchases, the interest-free period continues. 

1. Add-on Card Benefits: With this credit card, the add-on card gets benefits same as the primary credit card. You can also set the spending limit for your add-on credit card and track your spendings separately.
2. Milestone Benefits: The card offers up to Rs.1000 and Rs.250 Amazon voucher as milestone benefit on spending of Rs.72,000 and Rs.36,000 in anniversary year, respectively. The card also offers cashback of Rs.750 on spending Rs.75,000 in a year.

Note: Milestone benefits not applicable on spendings on cash withdrawals, fuel spends and EMI conversion.

Suitable for: Frequent shoppers and travellers.

IndusInd Bank Platinum Visa Credit Card

Key Highlights: IndusInd platinum visa credit card is a reward-oriented credit card that gives you value back on all your transactions. You can redeem your points against a variety of options, such as Air miles, cash credit, or products / vouchers from your rewards catalogue.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

1. Fuel Surcharge Waiver: Get up 1% fuel surcharge waiver across all petrol pumps in India. 

1. Insurance Coverage: With this credit card, you get an air accident insurance cover up to Rs.25 lakh, lost baggage insurance cover up to Rs.1 lakh, and coverage of up to Rs.50,000 for loss of passport during travel. 

1. Compensation: This credit card also offers compensation of up to Rs.25,000 for a lost ticket and claim up to Rs.25,000 for expenses due to a missed connection.
   

1. Reward Points: Get 1.5 reward point for every Rs.150 spent  

1. Offers multiple reward redemption options. 

1. Links credit card with UPI transactions.
2. Offers total protection against the risk of fraudulent usage of the card in case it is lost.

Suitable for: Frequent shoppers and travellers.

How to Apply for a No Annual Fee Credit Card Online?

To apply for no annual fee credit cards online, you can visit the respective bank website, or you can apply through BankBazaar, which is an authorised partner of top banks in India.

Steps to apply through BankBazaar website

1. Visit www.bankbazaar.com/credit-card.html and select the card that you want.
2. Click the 'Eligibility' button to check your eligibility for the card.
3. If you are eligible, you will find an option to Apply, click on the same, enter the required details and submit.
4. You will be asked to upload the required documents.
5. Once they are uploaded, click 'Submit'.

On successfully submitting the application and the necessary documents, you will receive an 'Application ID'. Use this ID to track your application status by clicking' Track Application'.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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