7 Credit Cards Without Annual Fee, Joining Fee to Apply For

If you use credit cards, you’ve probably felt the pinch of annual and renewal fees. Banks sneakily add the renewal fee to last month’s bill, making it a recurring hassle. But, there’s a better option – go for a lifetime free credit card without any yearly fees. These cards are catching on because they give you lots of rewards and perks.

Check out this list of 7 great lifetime free credit cards with no annual or joining fees. Keep in mind, the order doesn’t signify any ranking; I gathered this info straight from the banks’ official websites as of November 27, 2023.

7 Free Credit Cards

1. Shoppers Stop HDFC Bank Credit Card

  • Enjoy a lifetime FREE credit card.
  • Get 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, up to 500 points per month.
  • Earn 2 First Citizen Points for every Rs 150 spent on other Shoppers Stop brands and different categories (excluding fuel and wallet transactions).

2. Lifetime Free Credit Card – 811 (Kotak Mahindra Bank)

  • No annual or joining fees.
  • Earn 2 reward points for every Rs 100 spent online.
  • Grab 1 reward point for every Rs 100 spent on other* purchases.

3. Classic Credit Card (IDFC Bank)

  • No annual fee with a Lifetime Free Credit Card.
  • Score 10X Reward Points for spending over Rs 20,000 monthly and on your birthday.
  • Earn 6X Reward Points for online and 3X for offline purchases, up to Rs 20,000 per month.
  • Enjoy unlimited Reward Points that never expire.

4. Amazon Pay ICICI Bank Credit Card

  • No joining or annual fee.
  • Your rewards have no limits or expiry dates.
  • Amazon Prime members get 5% cashback on Amazon India purchases; non-Prime cardholders get 3% back (except for digital and Gift Card purchases, which earn 2% back).
  • Earn 2% cash back’
  • at 100+ Amazon Pay Partner merchants.
  • Get 1% cashback for all other payments.
  • Enjoy a 1% surcharge waiver for fuel purchases.

5. YES Prosperity Purchase Credit Card (Yes Bank)

  • No joining or annual fee.
  • Get a 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs 400 to Rs 5,000, with a monthly cap of Rs 500 per cycle.

6. Platinum Rewards Credit Card (Standard Chartered Bank)

  • Grab a Platinum Rewards Credit Card – it’s free for life.
  • Enjoy 5X benefits on luxury dining and fuel, no monthly reward limits.
  • Earn 5 reward points for every Rs 150 spent on dining and fuel, with unlimited monthly rewards.
  • Get 1 reward point for every Rs 150 spent on other categories.
  • Say goodbye to annual and joining fees; spend Rs 500 or more within 30 days from card issuance to avoid a one-time fee of Rs 250 + GST.

Also read:

Introduction of a ‘4-Hour Rule’ for UPI Payments By Government

7. Easy Credit Card (Bank of Baroda)

  • Get 5X Reward Points for every Rs 100 spent on Departmental stores and Movie outings.
  • Earn 1 reward point for every Rs 100 spent on other categories.
  • Grab 0.5 reward point for every Rs 100 spent on Select MCCs.
  • Enjoy a Fuel Surcharge Waiver.
  • Experience zero annual fees based on your card usage.

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Rishabh Sharma

Rishabh is an experienced content writer and editor, he is working for Viralbake to cover a diversified range of categories. His articles mainly focus on providing information, being a travel guide, educating others, and also making people aware of technology, after all, he is a technophile. When not writing he can be found gaming, watching movies, and travelling.

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