Credit Card with No Annual Fees in India

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Different credit cards have different annual fee. But some of them do not charge any. Cards like these offer similar benefits but reduce the overall cost of owning a card. You can save not only more money but also the cost of buying the card. The banks which offer ‘No Annual Fee Credit Cards’ are as following:


Citi Reward Card and Indian Oil Citi Petroleum Card have a joining fee of Rs. 1000 is waived off on spending Rs. 30,000 within a year. On these cards, you can enjoy offers across dining, movies, shopping, etc. and shop things on EMI. You also get turbo points and reward points which can be redeemed on fuel pumps and departmental stores respectively.


SimplyCLICK SBI card and SimplySave SBI card has a joining fee of Rs. 499 which can be returned on the purchase of Rs. 1,00,000 ns Rs. 90,000 respectively, within a year. On these cards, you get benefits like 5 times points on online shopping, 2000 bonus reward points after spending Rs. 2000 within 2 months, fuel surcharge waiver and much more.


RBL Platinum Maxima Card and RBL Titanium Delight Card have nil joining fees. With credit cards without annual fees like these, you get benefits like double reward points on weekends, free movie tickets, complimentary access to an airport lounge, cash back on the pizza outlets and departmental stores, and much more.

Standard Chartered

Landmark Rewards Platinum Card has no joining and renewal free. This card is absolutely free. On this card you get Landmark shop vouchers, value back offers, up to 9 times reward points on all landmark stores and 20% cash back on Uber rides.


ICICI Bank Platinum Chip Credit Card is free until 31 December 1016. With this card, you can save 15% on dining, get fuel surcharge renunciation of 2.5%, Provogue vouchers of Rs. 2499 and shoppers stop vouchers too.

What is a joining fee, annual fee and renewal fee?

Joining Fee

Joining fee is the amount that you need to pay to start receiving service from the bank. Every bank has a different joining fee for various cards.

Annual Fee

Annual fee, as the name suggests is charged after every year of using the credit card. At times you need to pay the joining fee to get the card and services, but there is no annual fee. This way, you can save more.

Renewal Fee

The renewal fee is also known as maintenance fee. It is to be paid by the card holder to the bank for card’s maintenance.