Top 5 Credit Cards in India Without Annual Fee [2025 Guide]

Are you searching for the top 5 credit cards in India without annual fee? You’re not alone! Many people want the perks of a credit card—like cashback, discounts, and rewards—without paying yearly charges. Luckily, several Indian banks now offer lifetime-free cards that give you premium benefits without extra cost.

In this blog post, we’ll explore the top 5 credit cards in India without annual fee, their features, and why they could be the perfect fit for your financial lifestyle.

Why Choose a No Annual Fee Credit Card?

Annual fees can add up, especially if you’re just starting your credit journey. By choosing the top 5 credit cards in India without annual fee, you get:

• Lifetime savings with zero annual charges

• Cashback on daily spending

• Reward points for shopping, fuel, and travel

• Hassle-free approvals for beginners and students

Top 5 Credit Cards in India Without Annual Fee

Here’s the updated 2025 list of the top 5 credit cards in India without annual fee you should consider:

1. IDFC FIRST Classic Credit Card

• Lifetime free card

• 10x rewards on weekend spending

• Low interest rates

2. Amazon Pay ICICI Credit Card

• No joining or annual fees

• 5% cashback for Prime members

• Rewards automatically added to Amazon Pay balance

3. Axis Bank MY ZONE Credit Card (Lifetime Free via Offers)

• Free OTT subscriptions on usage

• Discounts on dining & shopping

• Can be converted into lifetime-free offers

4. HSBC Visa Platinum Credit Card

• Lifetime free card

• Cashback on first transactions

• 2x rewards on dining & hotel spends

5. SBI Unnati Credit Card

• No annual fee for the first 4 years

• Ideal for new credit users

• Cashback and reward points on all spends

Comparison Table – Top 5 Credit Cards in India Without Annual Fee (2025)

Credit Card	Annual Fee	Key Benefits	Best For
IDFC FIRST Classic Credit Card	Lifetime Free	10x rewards on weekend spending, low interest rates	Beginners & everyday shoppers
Amazon Pay ICICI Credit Card	Lifetime Free	5% cashback for Prime members, 1% on others	Online shopping (Amazon users)
Axis Bank MY ZONE Credit Card (Lifetime Free via offers)	Lifetime Free (via promo)	Free OTT subscriptions, dining & shopping discounts	Entertainment & lifestyle spenders
HSBC Visa Platinum Credit Card	Lifetime Free	Cashback on initial transactions, 2x rewards on dining & hotels	Travel & dining lovers
SBI Unnati Credit Card	Free for 4 years	Simple eligibility, cashback & rewards on all spends	First-time users & students

Final Thoughts

Choosing the right credit card can save you thousands every year. The top 5 credit cards in India without annual fee give you the perfect mix of savings and perks without the burden of yearly charges. If you’re looking to build your credit score, enjoy cashback, and get lifestyle benefits—all at zero cost—these cards are a smart choice in 2025.

FAQ Section

❓ Which is the best credit card in India without annual fee?

The Amazon Pay ICICI Credit Card is one of the best no-fee cards, offering up to 5% cashback for Prime members.

❓ Are lifetime free credit cards really free?

Yes, lifetime free cards don’t charge any joining or annual fees. However, interest and late payment charges still apply if you miss due dates.

❓ Can students get a credit card without an annual fee?

Yes, many banks like SBI and IDFC FIRST offer beginner-friendly cards with no annual fee that are suitable for students and first-time users.

❓ Do no annual fee credit cards offer rewards?

Absolutely. Many no-fee cards provide cashback, discounts, and reward points on daily purchases like groceries, fuel, and online shopping.

❓ Is it safe to use a credit card without annual fee?

Yes, as long as it’s issued by a trusted bank. These cards come with the same security features as premium paid cards.

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