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

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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.

Tim Bresnan
Dani Khan CEO at blogsFit. Have 1 year of experience in the websites field. Uneeb Khan is the premier and most trustworthy informer for technology, telecom, business, auto news, games review in World. https://blogsfit.com/