Looking for credit cards with no joining or annual fees? We’ve got you covered! Here’s a list of lifetime free credit cards from top banks, perfect for those who want to enjoy rewards without extra charges. Do note that the cards are listed in no particular order.
1. ICICI Bank Platinum Chip Credit Card
- Reward Points: Earn 2 points for every ₹100 spent.
- Fuel Surcharge Waiver: Available at HPCL petrol pumps.
- Security: Embedded chip technology for secure transactions.
2. ICICI Bank Amazon Pay Credit Card
- Prime Members: 5% cashback on Amazon purchases.
- Non-Prime Members: 3% cashback on Amazon and 2% on Amazon Pay merchants.
- Annual Fee: Zero fees with no expiry on rewards.
3. Kotak Mahindra 811 #DreamDifferent Credit Card
- Rewards: 4 points per ₹100 on online spends, 1 point per ₹100 on other spends.
- Cash Advance: Interest-free cash withdrawals for up to 48 days.
- Surcharge Waiver: Fuel and railway surcharge waivers available.
4. Canara Bank RuPay Platinum Credit Card
- Reward Points: Earn 2 points per ₹100 spent.
- Forex Fee: Low mark-up fee of 3% on foreign transactions.
- Lounge Access: Available at selected lounges.
5. IDFC FIRST Select Credit Card
- 10X Reward Points: For spends over ₹20,000 per cycle and on your birthday.
- 3X Reward Points: On spends up to ₹20,000 and property management transactions.
- Other Benefits: Buy-one-get-one on movie tickets, plus year-round offers.
6. Bank of Baroda Prime Credit Card
- Rewards: 2 points per ₹100 on departmental stores and movies.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000.
- Extra Features: 0.5 points on select MCCs.
7. Yes Bank Prosperity Purchase Credit Card
- Zero Fees: No joining or annual fee.
- Finance Charges: 2.49% p.m. on revolving credit, 3.25% p.m. on overdue amounts.
- Minimum Payment Due: 5% of the total amount or ₹200, whichever is higher.
8. Standard Chartered Platinum Rewards Credit Card
- 5x Rewards: On fine dining and fuel purchases.
- Welcome Offer: Avoid a one-time fee by spending ₹500+ within 30 days.
- Bonus Points: Earn rewards for everyday transactions.
9. HSBC Visa Platinum Credit Card
- Air Miles Conversion: Convert points into miles with Air India, Etihad, British Airways, and Singapore Airlines.
- Rewards: Earn points on every transaction with travel-friendly benefits.
These lifetime free credit cards allow you to enjoy rewards without worrying about annual fees. Ideal for maximizing savings on everyday spends, dining, and travel!