Top 10 Credit Cards (With No Annual Fee) To Get in India in 2022

In this digital age, all of us use credit cards. Credit card users are always on the lookout for a lifetime free credit card with no annual fees. Financial organizations provide it in their credit card solutions in one of three ways:

  • If the sign-up charges are netted off against a welcome offer 
  • You get a credit card annual fee waiver against a certain amount spent annually
  • You find a lifetime free credit card issued without any charge

Below is the list of best credit cards with no annual fees:


  1. Kotak Royale Signature Credit Card:

    A lifestyle credit card.

Usage perks:

  • 4x reward points on every INR 150 spent on Hotels, Restaurants, Travel Agencies & Tour Operators, Package Tour Operators, 
  • 2x rewards elsewhere
  • Complimentary access for Indian domestic airport lounges every year 
  • Fuel surcharge waiver on transactions above INR 500
  • Railway surcharge waiver for transactions booked via www.irctc.co.in

Annual Fee: INR 999 (waived off with a minimum of one lac annual credit card expenditure).


  1. ICICI Instant Platinum Card:

    Good for first-time credit card applicant

Usage Perks:

  • INR 100 off on movie tickets, two times per month
  • Three payback points for every INR 100 spent
  • 15% savings on some restaurants across ten different cities in India
  • 1% fuel surcharge waiver on fuel transaction of maximum INR 4000 at HPCL pumps 

Annual Fee: Lifetime free


  1. ICICI Amazon Pay Credit Card:

    Best suited for Amazon shoppers with an existing ICICI credit card added to your Amazon account

Usage Perks:

  • save up to 5% on every shopping transacted on Amazon for prime, 3% for non-prime members
  • 1% cashback on all other payments
  • 2% cashback when used as the preferred payment method
  • 1% fuel surcharge waiver

Annual Fee: Lifetime free


  1. Standard Chartered Platinum Rewards Card:

    Easily approved, best for salaried employees with a minimum monthly salary of INR 25,000 

Usage Perks:

  • Variable discounts and offers including Ola, Uber, Grofers, Yatra 
  • One reward point on spends above INR 150
  • Five reward points on spends above INR 150 on fuel and dining
  • 500 points when registration for online banking succeeds
  • 1000 points for first-time usage additionally for using within 60 days
  • 100% cashback up to INR 500 on the first restaurant expenditure

Annual Fee: INR 250 (waived off with INR 60,000 yearly spend)


  1. Standard Chartered Manhattan Credit Card

    Attractive card for all

Usage Perks:

  • INR 2000 BookMyShow vouchers as welcome gift, on making the first transaction within 90 days
  • 5% Cashback at supermarkets and other store purchases
  • Three reward points for every INR 150 spends

Annual Fee: INR 999 (waived off with INR 1.2 lac annual spending)


  1. Amex Membership Rewards Credit Card:

    Good benefits come with this card.

Usage Perks:

  • 1000 bonus points for using card four times per month
  • 2000 referral bonus points
  • 5000 bonus points on renewal
  • Get bonus points for adding money to wallets like PayTM, Amazon Pay and Freecharge

Annual Fees: First year INR 1000, Second year onwards INR 4500


  1. SBI Simply Click Credit Card:

    Best for online shopping.

Usage Perks:

  • Amazon.in gift card worth INR 500 on sign-up
  • Cleartrip e-voucher worth INR 2000 when annual spend crosses INR 1 lac
  • Another Cleartrip e-voucher worth INR 2000 on additional INR 1 lac 
  • Ten reward points per INR 100 spent at a partnered brand
  • 5 points per INR 100 spent at all other online spendings
  • 1 point per INR 100 on other expenditure
  • 1% fuel surcharge waiver

Annual Fees: INR 499 (waived off with INR 1 Lac spending)


  1. Citibank Rewards Domestic Credit Card:

    Best for frequent shoppers.

Usage Perks:

  • Ten reward points for INR 125 spend at Apparel and departmental stores
  • 1 point for INR 125 spend at others
  • Easily redeemed at stores, retail shopping sites, travel sites

Annual Fees: INR 1000 (waived off with INR 30,000 spent)


  1. HDFC Moneyback Card:

    Best for HDFC customers who can redeem reward points for statement credits.

Usage Perks:

  • Two reward points per INR 150 spent
  • Four reward points per INR 150 online purchases
  • 1% fuel surcharge waiver (Minimum transaction INR 400)

Annual fees: Lifetime free for HDFC customers


  1. Axis Insta Easy Credit Card:

    Best for Axis Bank customers

Usage Perks:

  • 1% fuel surcharge waiver for amounts transacted INR 400-4000
  • Cash withdrawal up to 100% credit limit
  • Get up to 80% limit on the credit card as per the value of the FD

Annual fees: Lifetime free for Axis Bank customers

You have to calculate the service return with the annual fee of the credit card. If you don’t use credit cards, choose a lifetime free credit card or a credit card with a minimal fee.

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