Managing your money is more important than earning money, so you must select a credit card wisely. 

Now we are going to disclose the Top 8 Credit Cards in India with No Annual Fee: Choose Wisely for Financial Freedom.

A card with high joining fees and annual fees will be a big hurdle to your financial freedom.          

Here we have shared credit cards without any joining fees and value of your money. 

In the market banks or issuers hardly offer a credit card without any joining and annual fees that create an extra financial burden on you but in this article, you will come to know the Top 8 Credit Cards in India with No Annual Fee.

Top 8 Credit Cards in India with No Annual Fee

Credit cards now help a lot in some critical situations and it is a financial backup but high joining fees and annual fees create a burden on you. 

1. Credit Cards in India with No Annual Fee: Amazon Pay ICICI Bank 

Amazon pays icici bank credit card is a great card for Amazon Prime members in online transactions. 

Prime members have special offers like 3.5 % monthly interest rates and comparative low-cost online products on Amazon.

Amazon pays ICICI bank credit card unique features like a 15% discount at over 2,500 restaurants across India and a 1% fuel surcharge waiver across all petrol pumps. 

Amazon Pay ICICI credit card offers 5% cashback to Amazon Prime members and 3% cashback on Amazon for non-prime members.

Other benefits like 2 % cash back on 100+ Amazon pay partner merchants and 1 % cashback across all other purchases. 

2. Credit Cards in India with No Annual Fee: ICICI Bank Platinum Chip 

ICICI bank platinum credit card offers good reward points and discounts.

ICICI bank platinum card charges an interest rate of 3.4% per month and 2 reward points on every Rs. 100 spent for all retail buys except fuel. 

ICICI bank credit card 1 reward point on every Rs. 100 spent on utilities and insurance section. 

ICICI bank platinum chip features a 1% fuel surcharge waiver at HPCL pumps and a 15% discount at 2,500 restaurants in 12 cities. 

3. Credit Cards in India with No Annual Fee: Bank Of Baroda Prime  

You can get a Bank of Baroda Prime credit card with a fixed deposit of 15000 rupees or more without any income documents. 

Bank of Baroda prime credit card interest rate of 3.25% per month with welcome benefits and 4 rewards points for every 1oo rupees spent. 

Bank of Baroda Prime free personal accidental death cover and zero liability on the loss of the card or any fraud but you need to report on time. 

1% cash back on all spending and fuel charge waived for all fuel transactions between rupees 400 to 5000.

Credit cards offer an EMI option for over 2,500 purchases and 50 days of interest-free credit from the date of any purchase. 

4. Credit Cards in India with No Annual Fee: IDBI Aspire Platinum 

IDBI Aspire platinum credit card offers some unique spending offers and discounts, low-interest rates but no insurance. 

IDBI offers platinum credit card interest of 2.9 a month and delight points for every rupee 150 spent on traveling, shopping, dining, movies, etc. 

5. AXIS Bank Select 

Axis Bank selected credit cards only for burgundy savings accounts with a net monthly salary credit of 3 lahks. 

A credit card offers a bundle of benefits like an Amazon voucher of rupees 2000 on the first card transaction, you need to complete 90 days of card issuance. 

Axis Bank offers rupees 300 off the second ticket on BookMyShow and a priority pass membership with 6 international lounge visits a year.

5000 edge points rupees 3 lacks spent in the anniversary year and 6 complimentary golf rounds a year. 

6. HSBC Visa Platinum 

HSBC Visa Platinum credit card offers great travel features, discounts on spending, and reward benefits.  

HSBC Visa Platinum credit card offers an interest rate of 3.3% per month and zero liability in case of loss of credit card. 

HSBC visa platinum card offers coverage of 3 lacs in case of misuse of the card but you have to report bank within 24 hours. 

HSBC visa platinum credit card offers excellent welcome gifts Amazon and Swiggy coupons, 3 airport lounge access domestic and international, or 3 meal vouchers Indian airport restaurant. 

10% cashback up to rupees 2000 on the rupees 10000 spent within 60 days of card issue. 

HSBC Visa Platinum credit card offers many more offers and international access. 

7. Kotak 811# Dreamdifferent 

Kotak 811 has a great rewards program like rail surcharge waiver, and credit liability covers with an interest rate of 3.5% per month.

Kotak Dream Different Shield offers a cover of rupees 50000 in case of misusage up to 7 days before reporting if the card is stolen. 

Kotak Dream different benefits 500 bonus reward points on rupees 5000 spent in the first 45 days.

Kotak Dream different 2 reward points for every 100 rupees of online purchases and 1 reward point for every 100 rupees of other purchases. 

Kotak Dream has other unique features like a 1% fuel surcharge waiver across all petrol pumps for spending between rupees 500-3000 and a transaction waiver on irctc.co.in and Indian railway booking counter.

8. IDFC’s First Bank Wealth

IDFC’s first bank credit card lifetime free credit card, super saver interest rates, travel benefits, and interest-free credit card. 

IDFC’s first bank wealth credit card offers an interest rate of 0.75-3.5 % a month air insurance cover of rupees 1 crore personal accident cover of rupees 10 lakh and in case of lost card liability cover rupees 50000. 

IDFC wealth credit card offers a welcome benefits voucher worth rupees 500 on purchases of rupees 15000 or more within 90 days of card issue.

Wrapping Up 

The credit card must be free from joining fees and free from annual fees.

Credit card uses are increasing day by day and many online purchases offer attractive benefits on credit card issues.

You need to be very comparative and calculative in case of selection of a credit card. 

You need to measure the online and offline credit card benefits offered by the bank or issuer so that you are free from unwanted pressure.