What Are No Annual Fee Credit Cards?
- No annual fee: These cards do not charge a yearly fee, unlike standard cards.
- Same perks: Get rewards, purchase protection, and other benefits without the annual charge.
Key Features of No Annual Fee Cards
- Lifetime Free: No annual fee ever, letting you enjoy services without any recurring charges.
- Cost Savings: Some cards offer surcharge waivers, especially on fuel.
- Exclusive Privileges: Airport lounge access, shopping discounts, dining deals, and more.
- Welcome Benefits: Many cards come with bonus reward points, vouchers, and OTT subscriptions.
- Easy to Qualify: Generally lower income requirements, making these cards accessible to many.
How to Apply for a No Annual Fee Credit Card
Online Application:
- Visit the bank’s website.
- Fill out the application form.
- Upload the required documents.
- Wait for approval after verification.
Offline Application:
- Visit the nearest branch.
- Fill out the form with your details.
- Submit the necessary documents.
- Get approval after verification.
5 No Annual Fee Credit Cards
1. RBL Bank BankBazaar SaveMax Credit Card
- Xpress Cash: Instant funds transfer into your account.
- Rewards: 10% cashback on BookMyShow and Zomato (up to ₹100/month).
- EMI Infinity Pass: Discounts on Split n Pay Fee.
- App Management: Easily manage bills and offers via the RBL Bank MyCard App.
2. Amazon Pay ICICI Credit Card
- Unlimited Rewards: No expiration of rewards.
- Redeem: Use credits for over 100 million products on Amazon and other merchants.
- No-cost EMI: Available for 3-6 months on Amazon purchases.
3. HSBC VISA Platinum Credit Card
- Cashback: Get ₹500 cashback on spending ₹5,000 within the first 30 days.
- Fuel Savings: Annual fuel surcharge savings of up to ₹3,000.
- Flight Miles: Convert reward points into flight miles.
4. ICICI Bank Platinum Chip Credit Card
- Rewards: Earn 2 points for every ₹100 spent at retail stores (excluding petrol).
- Fuel Waiver: 1% surcharge waiver on HPCL fuel purchases.
- Secure Payments: Quick and secure payment technology.
5. IDFC First Select Credit Card
- Airport Lounge Access: Free access to domestic lounges.
- Travel Benefits: Low forex markup and trip cancellation coverage.
- Movie Perks: Buy-one-get-one movie tickets via Paytm.
- Reward Points: Earn up to 10X rewards for monthly spending.
By choosing the right no annual fee credit card, you can save more while enjoying exclusive perks!