Credit cards with no annual fee in India
110 Indian credit cards charge no annual fee to anyone who qualifies for them. A further 27 are advertised as free but are not — they are invite-only, secured against a deposit, or waived only if you spend enough. Those are listed separately below.
Across 137 zero-fee cards from 19 issuers. Benefits are printed exactly as the issuer words them — where a card says "2 reward points per ₹100", that is what you will read here, not a percentage we converted it into.
A free card still has a cost. Every application is a hard enquiry on your credit report, and several in a short window will lower your score. And a card with no fee earning 0.5% is worse than a ₹500 card earning 3% once you spend more than about ₹28,000 a year in its reward categories — the fee is only half the arithmetic. Work out which side you are on.
IDFC First Bank · 15 cards
- IDFC FIRST Bank Classic Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 3x on dining
- Online shopping: 2x on online
- Fuel: 1% waiver
- IDFC FIRST Bank HPCL Power Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Fuel: 6.5% on HPCL fuel
- Base rate: 1 per Rs. 150
- IDFC FIRST Bank Millennia Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 3x on dining
- Online shopping: 2x on online
- Base rate: 1 per Rs. 150
- IDFC FIRST Bank Private Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 10x on dining
- Online shopping: 6x on online
- Travel: 6x on travel
- IDFC FIRST Bank SWYP Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 150
- IDFC FIRST Bank Select Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 6x on dining
- Online shopping: 3x on online
- Travel: 3x on travel
- FIRST Millennia Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 10X = 10 RP/₹200
- Online shopping: 3X = 3 RP/₹200
- Travel: 10X = 10 RP/₹200
- FIRST Classic Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 10X = 10 RP/₹200
- Online shopping: 3X = 3 RP/₹200
- Travel: 10X = 10 RP/₹200 + 10% bonus RP on flights / 20% bonus RP on hotels via FIRST Rewards Gallery
- FIRST Select Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 10X = 10 RP/₹200
- Online shopping: 3X = 3 RP/₹200
- Travel: 10X = 10 RP/₹200
- FIRST Wealth Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 10X = 10 RP/₹200
- Online shopping: 3X = 3 RP/₹200
- Travel: 10X = 10 RP/₹200 + 10% bonus RP on flights / 20% bonus RP on hotels via FIRST Rewards Gallery
- FIRST WOW! Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 4X = 4 RP/₹200
- Online shopping: 4X = 4 RP/₹200
- Travel: 4X = 4 RP/₹200 + 5% bonus RP on flights / 10% bonus RP on hotels via FIRST Rewards Gallery
- Quantum+ Credit CardIDFC First Bank
No annual fee · No joining fee · Cashback
- Dining: 0.01
- Online shopping: 1% up to ₹10K + 2% above ₹10K
- Travel: Up to 3% on flights/hotels via IDFC FIRST Bank App
- LIC Classic Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 3X = 3 RP/₹125
- Online shopping: 3X = 3 RP/₹125
- Travel: 3X + 8% bonus RP on flights / 20% bonus RP on hotels via FIRST Rewards Gallery
- LIC Select Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 5X = 5 RP/₹125
- Online shopping: 5X = 5 RP/₹125
- Travel: 5X + 8% bonus RP on flights / 20% bonus RP on hotels via FIRST Rewards Gallery
- Business Max Credit CardIDFC First Bank
No annual fee · No joining fee · Reward Points
- Dining: 4 RP/₹200
- Online shopping: 6 RP/₹200
- Travel: 4 RP/₹200 + 10% bonus RP on flights / 20% bonus RP on hotels via IDFC FIRST Bank App
IndusInd Bank · 15 cards
- EazyDiner IndusInd Bank Platinum Credit CardIndusInd Bank
No annual fee · No joining fee · EazyPoints
- Dining: 10% off at 2000+ restaurants
- Base rate: 1 per Rs. 100
- IndusInd Bank Legend Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Points
- Dining: 2x on weekend dining
- Online shopping: 2x on online
- Travel: 2x on travel
- IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Points
- Online shopping: Up to 8x on select merchants
- Fuel: 1% surcharge waiver (up to Rs. 100/month)
- Base rate: 1 per Rs. 100
- IndusInd Bank Platinum Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Points
- Dining: 2x on dining
- Online shopping: 2x on online
- Fuel: 1% waiver
- IndusInd Bank Platinum Select Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Points
- Dining: 2x on dining
- Online shopping: 2x on online
- Travel: 2x on travel
- IndusInd Bank Tiger Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Points
- Travel: 2 domestic lounge/quarter; 2 intl lounge/year (Priority Pass)
- Fuel: Unlimited fuel surcharge waiver
- Entertainment: 1 free movie ticket (up to Rs. 500) on BookMyShow every 6 months
- IndusInd Bank Pinnacle Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 1% (1 Reward Point per INR 100 spent via POS/Dining)
- Online shopping: 2.5% (2.5 Reward Points per INR 100 spent on Online E-commerce)
- Travel: 1.5% (1.5 Reward Points per INR 100 spent on E-com Travel & Airlines)
- IndusInd Bank Legend Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 1 Reward Point per INR 100 on Weekdays / 2 Reward Points per INR 100 on Weekends
- Online shopping: 1 Reward Point per INR 100 on Weekdays / 2 Reward Points per INR 100 on Weekends
- Travel: 1 Reward Point per INR 100 on Weekdays / 2 Reward Points per INR 100 on Weekends
- IndusInd Bank Tiger Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 6 Reward Points per INR 100 on accelerator categories (up to 1.5% value)
- Online shopping: 2 Reward Points per INR 100 spent (0.50% to 1% value back)
- Travel: 6 Reward Points per INR 100 spent on partner travel platforms
- EazyDiner Platinum Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 2 Reward Points per INR 100 + additional flat 20% discount up to INR 500 via PayEazy on EazyDiner app
- Online shopping: 2 Reward Points per INR 100 spent
- Travel: 2 Reward Points per INR 100 spent
- IndusInd Bank Platinum RuPay Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 2 Reward Points per INR 100 on UPI transactions
- Online shopping: 2 Reward Points per INR 100 spent
- Travel: 2 Reward Points per INR 100 spent
- IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 4 Reward Points per INR 100 (if Dining/Restaurants selected as preferred reward plan category)
- Online shopping: 4 Reward Points per INR 100 (if E-commerce selected as preferred category)
- Travel: 1.5 Reward Points per INR 100 spent
- IndusInd Bank Platinum Visa Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 1.5 Reward Points per INR 100 spent
- Online shopping: 1.5 Reward Points per INR 100 spent
- Travel: 1.5 Reward Points per INR 100 spent
- IndusInd Bank Nexxt Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 1 Reward Point per INR 100 spent
- Online shopping: 1 Reward Point per INR 100 spent
- Travel: 1 Reward Point per INR 100 spent
- IndusInd Bank Samman RuPay Credit CardIndusInd Bank
No annual fee · No joining fee · Reward Pts
- Dining: 1% cashback / reward equivalent on dining spends
- Online shopping: 1% cashback on online spends
- Travel: 1% Railway Surcharge Waiver on transactions up to ₹5,000.
Canara Bank · 12 cards
- MasterCard World Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Rupay Select Secured Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Mastercard Platinum Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Rupay Platinum Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Mastercard Gold Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- VISA Gold Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Rupay Platinum Secured Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Mastercard Gold Secured Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- VISA Gold Secured Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- Rupay Classic Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- MasterCard Standard Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
- VISA Classic Credit CardCanara Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹100
- Online shopping: 2 RP/₹100
- Travel: 2 RP/₹100
Federal Bank · 11 cards
- Federal Bank KVB-Laxi Credit CardFederal Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- Federal Bank Scapia Credit CardFederal Bank
No annual fee · No joining fee · Travel Points
- Travel: 10% travel cashback via Scapia app
- Base rate: 1% on other
- Jupiter Edge Credit CardFederal Bank
No annual fee · No joining fee · Cashback
- Dining: 2% on dining
- Online shopping: 1% on online
- Base rate: 1% on all other
- OneCard Credit CardFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 5x on top 2 spend categories
- Online shopping: 5x on top 2 categories
- Travel: 5x on top 2 categories
- Visa CelestaFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 2X
- Online shopping: 1X
- Travel: 3X
- Visa ImperioFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 1X
- Online shopping: 1X
- Travel: 1X
- Visa SignetFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 1X = 1 RP/₹200
- Online shopping: 3X = 3 RP/₹200 on Electronics & Apparel
- Travel: 1X = 1 RP/₹200
- Mastercard ImperioFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 1X
- Online shopping: 1X
- Travel: 1X
- Mastercard CelestaFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 2X
- Online shopping: 1X
- Travel: 3X
- Mastercard SignetFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 2X
- Online shopping: 3X on Electronics & Apparel
- Travel: 1X
- Rupay SignetFederal Bank
No annual fee · No joining fee · Reward Points
- Dining: 2X
- Online shopping: 3X on Electronics & Apparel
- Travel: 1X
ICICI Bank · 11 cards
- Amazon Pay ICICI Bank Credit CardICICI Bank
No annual fee · No joining fee · Cashback
- Online shopping: 5% on Amazon (Prime)
- Fuel: 1% waiver
- Base rate: 0.01
- ICICI Bank Expressions Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Expressions Mastercard Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Expressions Visa Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Gifting Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Payback Credit CardICICI Bank
No annual fee · No joining fee · PAYBACK Points
- Online shopping: 5x on PAYBACK partners
- Base rate: 1 per Rs. 100
- ICICI Bank Platinum Chip Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 2 per Rs. 100
- ICICI Bank Platinum Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Dining: 2x on dining
- Online shopping: 2x on online
- Base rate: 1 per Rs. 100
- ICICI Bank iMobile Pay Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Platinum Chip Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Dining: 2 Reward Points per INR 100 (0.50% rate) + Culinary Treats program discounts
- Online shopping: 2 Reward Points per INR 100 (0.50% rate)
- Travel: 2 Reward Points per INR 100
- Amazon Pay ICICI Bank Credit CardICICI Bank
No annual fee · No joining fee · Reward Points
- Dining: 1% cashback on dining spends
- Online shopping: 5% cashback for Amazon Prime members / 3% for non-Prime members on Amazon.in; 2% on Amazon Pay partner merchants
- Travel: 2% cashback on flight and hotel bookings via Amazon Pay
Bank of Baroda · 9 cards
- Bank of Baroda Easy Credit CardBank of Baroda
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- Bank of Baroda Swavlamban Credit CardBank of Baroda
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- BOBCARD ICAI Exclusive Credit CardBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 5x reward Pts
- Online shopping: 5x reward Pts
- Travel: 0.25% (1 Reward Point per ₹100 spent)
- BOBCARD ICSI Diamond Credit CardBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 1.25% (5 Reward Points per ₹100 spent on Dining & International)
- Online shopping: 1.25% (5 Reward Points per ₹100 spent)
- Travel: 1.25% (5 Reward Points per ₹100 spent on Travel)
- BOBCARD CMA One Credit CardBank of Baroda
No annual fee · Joining fee ₹1 · Reward Pts
- Dining: 1.25% (5 Reward Points per ₹100 spent on Dining)
- Online shopping: 1.25% (5 Reward Points per ₹100 spent)
- Travel: 0.25% (1 Reward Point per ₹100 spent)
- BOBCARD Yoddha Credit CardBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 1.25% (5 Reward Points per ₹100 spent on Grocery & Departmental)
- Online shopping: 1.25% (5 Reward Points per ₹100 spent)
- Travel: 1.25% (5 Reward Points per ₹100 spent on Movies & Dining)
- BOBCARD Rakshamah Credit CardBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 5X Reward Pts
- Online shopping: 5X Reward Pts
- Travel: 5X Reward Pts
- BOBCARD Assam Fifles Sentinel Credit CardBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 5X Reward Pts
- Online shopping: 5X Reward Pts
- Travel: 5X Reward Pts
- BOBCARD VikramBank of Baroda
No annual fee · No joining fee · Reward Pts
- Dining: 5X Reward Pts
- Online shopping: 5X Reward Pts
- Travel: 5X Reward Pts
AU Small Finance Bank · 8 cards
- AU Bank Paytm AU Credit CardAU Small Finance Bank
No annual fee · No joining fee · Reward Points
- Base rate: 1 Reward Pts per Rs. 100
- AU Bank CheQ AU Credit CardAU Small Finance Bank
No annual fee · No joining fee · CheQ Points
- Fuel: 1% Fuel Surcharge Waiver (upto Rs. 150)
- Base rate: 1% CheQ Pts Per Rs. 200 on every txn
- AU Bank Kosmo Credit CardAU Small Finance Bank
No annual fee · No joining fee · Kiwi Rewards
- Fuel: 1% Fuel Surcharge Waiver(upto Rs. 100)
- AU Bank InstaPay Credit CardAU Small Finance Bank
No annual fee · No joining fee · Cashback
- Fuel: 1% Fuel Surcharge Waiver
- Base rate: 1% CashBack on Txn Grater than or Equal to Rs. 200
- AU Bank AU CS Credit CardAU Small Finance Bank
No annual fee · No joining fee · Reward Points
- Travel: 2 Domestic Complimentry lounge visits per calender Qtr
- Fuel: Enjoy 1% Fuel Surcharge Waiver (up to ₹250)
- Utilities: 1 Reward Point per ₹100 spent on Utility & Telecom and Insurance spends*.
- AU Bank CA Metal Credit CardAU Small Finance Bank
No annual fee · No joining fee · Reward Points
- Travel: 2 Domestic Complimentry lounge visits per calender Qtr
- Fuel: Enjoy 1% Fuel Surcharge Waiver (up to ₹250)
- Utilities: 1 Reward Point per ₹100 on Utility & Telecom and Insurance spends*
- AU Bank Corporate Credit CardAU Small Finance Bank
No annual fee · No joining fee
- Travel: 8 Complimentary Lounge Access per Annum (Max 2 per Calender QTR)
- Fuel: 1% Fuel Surcharge Waiver (Max Rs. 200 Per Statement Cycle )
- AU Bank LIT Credit CardAU Small Finance Bank
No annual fee · No joining fee · Reward Points & CashBack
- Online shopping: 5% Cashback on Apparel Spends @Rs. 199
- Fuel: 1% Fuel Surcharge Waiver
- Groceries: 5% Cashback on Grocery Spends @Rs. 299
DCB Bank · 4 cards
- Niyo Global Credit CardDCB Bank
No annual fee · No joining fee · Cashback
- Travel: 0% forex on international spends
- Base rate: 1% on domestic
- DCB ZET Credit CardDCB Bank
No annual fee · No joining fee · Cashback + Brand Offers
- Dining: Not specified
- Online shopping: Not specified
- Travel: Not specified
- DCB novio Credit CardDCB Bank
No annual fee · No joining fee · novioCoins + Discounts
- Dining: Not specified
- Online shopping: Up to 10% novioCoins on eligible UPI transactions
- Travel: Not specified
- DCB Niyo Credit CardDCB Bank
No annual fee · No joining fee · Not specified
- Dining: Not specified
- Online shopping: Not specified
- Travel: Not specified
HDFC Bank · 4 cards
- PIXEL Play Credit CardHDFC Bank
No annual fee · No joining fee · Cashback
- Dining: 5% on BookMyShow & Zomato
- Online shopping: 3% on Amazon/Flipkart/PayZapp
- Travel: 5% on MakeMyTrip/Uber
- BizBlack Metal Credit CardHDFC Bank
No annual fee · No joining fee · Reward Points
- Base rate: 5 per Rs. 150
- HDFC BizBlack Credit CardHDFC Bank
No annual fee · No joining fee · Rewards
- Base rate: 5 reward points per Rs. 150
- HDFC Bank Platinum Plus Credit CardHDFC Bank
No annual fee · No joining fee · Reward Points
- Base rate: 2 per Rs. 150
Axis Bank · 3 cards
- Axis Bank Freecharge Credit CardAxis Bank
No annual fee · No joining fee · Cashback
- Online shopping: 1% on Freecharge
- Base rate: 0.5% on other
- Axis Bank Magnus Credit Card for BurgundyAxis Bank
No annual fee · No joining fee · Rewards
- Travel: 5X EDGE Reward Points on travel spends
- Base rate: 12 EDGE Reward Points per Rs. 200 on spends up to Rs. 1.5 lakh/month
- Jupiter Axis Bank Credit CardAxis Bank
No annual fee · No joining fee · Cashback
- Dining: 2% on dining
- Online shopping: 1.5% on online
- Base rate: 1% on all other
Bajaj Finserv · 3 cards
- Bajaj Finserv DBS Bank SuperCardBajaj Finserv
No annual fee · No joining fee · Cash Points
- Dining: 5% on EMI Network stores
- Fuel: 1% surcharge waiver
- Base rate: 2 per Rs. 200
- Bajaj Finserv DBS Bank SuperCard GoldBajaj Finserv
No annual fee · No joining fee · Cash Points
- Dining: 5% on EMI Network stores
- Fuel: 1% surcharge waiver
- Base rate: 3 per Rs. 200
- Bajaj Finserv RBL SuperCardBajaj Finserv
No annual fee · No joining fee · Cash Points
- Dining: 5% on EMI Network stores
- Fuel: 1% surcharge waiver
- Base rate: 2 per Rs. 200
Kotak Mahindra Bank · 3 cards
- 811 Dream Different Credit CardKotak Mahindra Bank
No annual fee · No joining fee · CashBack
- Fuel: 1% Fuel Surcharge Waiver
- Base rate: 2% CashBack on eligible Spend
- Kotak Mahindra NRI Royale Signature Credit CardKotak Mahindra Bank
No annual fee · No joining fee · Reward Points
- Base rate: 4 per Rs. 150
- Kotak Royale Signature Credit CardKotak Mahindra Bank
No annual fee · No joining fee · Rewards
- Base rate: 4 reward points per Rs. 150
YES Bank · 3 cards
- RuPay Credit CardYES Bank
No annual fee · No joining fee · YES Rewardz Points
- Dining: 2 RP/₹200 on UPI >₹2,000
- Online shopping: 2 RP/₹200
- Travel: 2 RP/₹200
- Klick Credit CardYES Bank
No annual fee · No joining fee · YES Rewardz Points
- Dining: 2 RP/₹200
- Online shopping: 2 RP/₹200
- Travel: 2 RP/₹200
- Paisabazar Paisasave Rupay Credit CardYES Bank
No annual fee · No joining fee · Cashback / Reward Points
- Dining: 6% cashback
- Online shopping: 1% cashback
- Travel: 6% cashback
Standard Chartered · 2 cards
- Standard Chartered Simply Cash Credit CardStandard Chartered
No annual fee · No joining fee · Cashback
- Dining: 5% cashback on dining
- Online shopping: 5% cashback on online
- Base rate: 1% on all other
- Standard Chartered Priority Visa Infinite Credit CardStandard Chartered
No annual fee · No joining fee · Reward Pts
- Dining: 0.83% (5 Reward Points per ₹150 spent)
- Online shopping: 0.33% (2 Reward Points per ₹150 spent)
- Travel: 0.83% (5 Reward Points per ₹150 spent on Overseas/Travel)
Punjab National Bank · 2 cards
- PNB VISA Classic CardPunjab National Bank
No annual fee · No joining fee · Reward Points
- Dining: 1 RP/₹100
- Online shopping: 1 RP/₹100
- Travel: 1 RP/₹100
- PNB SALARY RuPay Platinum CardPunjab National Bank
No annual fee · No joining fee · Reward Points + Lifestyle Benefits
- Dining: Not specified
- Online shopping: Not specified
- Travel: 4 complimentary domestic + 1 international lounge/year
HSBC · 2 cards
- HSBC Visa Platinum Credit CardHSBC
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹150
- Online shopping: 2 RP/₹150
- Travel: Up to 6X RP on hotels, flights & car rentals via Travel with Points
- HSBC RuPay Platinum Credit CardHSBC
No annual fee · No joining fee · Reward Points
- Dining: 2 RP/₹150
- Online shopping: 2 RP/₹150
- Travel: Up to 6X RP on hotels, flights & car rentals via Travel with Points
Equitas Small Finance Bank · 1 card
- Navi Credit CardEquitas Small Finance Bank
No annual fee · No joining fee · Cashback
- Online shopping: 1.5% on online
- Base rate: 1% on all other
SBM Bank · 1 card
- Slice Credit CardSBM Bank
No annual fee · No joining fee · Cashback
- Online shopping: 2% cashback on all spends
- Base rate: 2% on all
Union Bank of India · 1 card
- Union PM SVANidhi RuPay Credit CardUnion Bank of India
No annual fee · No joining fee · Union Rewardz Points & Micro-Merchant Discounts
- Dining: 0.25% (1 Reward Point per ₹100 spent)
- Online shopping: 0.25% (1 Reward Point per ₹100 spent)
- Travel: 0.25% (1 Reward Point per ₹100 spent)
Advertised as free, but conditional
These 27 cards carry a zero annual fee in the issuer's own literature, but only for a particular group of people or on a particular condition. They appear on other "lifetime free" lists without that caveat. Applying for one you do not qualify for costs you a hard enquiry and gets you a rejection.
- Axis Bank Burgundy Private Credit CardAxis Bank
Free only if: invite only
No annual fee · No joining fee · EDGE Points
- Dining: 15% off on dining via EazyDiner
- Travel: 5x on travel
- Base rate: 15 per Rs. 200
- Axis Bank Insta Easy Credit CardAxis Bank
Free only if: secured
No annual fee · No joining fee · EDGE Points
- Base rate: 1 per Rs. 100
- Axis Bank Magnus For Burgundy Credit CardAxis Bank
Free only if: free for Burgundy customers
No annual fee · No joining fee · EDGE Points
- Dining: 15% off on dining (EazyDiner)
- Online shopping: 5x on Travel EDGE
- Travel: 5x on Travel EDGE
- Axis Bank Olympus Credit CardAxis Bank
Free only if: existing Citi Prestige migrated cardholders
No annual fee · No joining fee · EDGE Miles
- Dining: 15% off via EazyDiner
- Travel: 5x EDGE Miles on travel
- Fuel: 1% waiver
- All Miles Credit CardHDFC Bank
Free only if: Free Membership Renewal if spend 1L per year
No annual fee · No joining fee · Reward Points
- Online shopping: 2x on Shopping & Hotel Booking
- Travel: 3x on airlines
- Fuel: 1% Fuel Surcharge Waiver
- Teachers Platinum Credit CardHDFC Bank
Free only if: for teachers
No annual fee · No joining fee · Reward Points
- Online shopping: 2x on online
- Base rate: 2 per Rs. 150
- HSBC Premier Mastercard World Credit CardHSBC
Free only if: for Premier banking customers
No annual fee · No joining fee · Reward Points
- Dining: 3x on dining
- Online shopping: 2x on online
- Travel: 5x on travel
- HSBC Premier Metal Credit CardHSBC
Free only if: waived for Premier banking customers
No annual fee · No joining fee · Reward Points
- Dining: 3x on dining
- Online shopping: 2x on online
- Travel: 5x on travel
- HSBC Visa Platinum Credit CardHSBC
Free only if: waived on 1L spend
No annual fee · No joining fee · Reward Points
- Online shopping: 2x on online
- Base rate: 2 per Rs. 150
- ICICI Bank Emeralde Private Metal Credit CardICICI Bank
Free only if: invite only for Private Banking
No annual fee · No joining fee · Reward Points
- Dining: 6 per Rs. 200 on dining
- Online shopping: 6 per Rs. 200 on online
- Travel: 6 per Rs. 200 on travel
- ICICI Bank Instant Platinum Credit CardICICI Bank
Free only if: secured
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- ICICI Bank Parakram Credit CardICICI Bank
Free only if: for defense personnel
No annual fee · No joining fee · Reward Points
- Dining: 2x on dining
- Base rate: 1 per Rs. 100
- ICICI Bank Secured Credit CardICICI Bank
Free only if: secured on FD
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- IndusInd Bank Samman Credit CardIndusInd Bank
Free only if: for government employees
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- Kotak UPI RuPay Credit CardKotak Mahindra Bank
Free only if: Lifetime Fee
No annual fee · No joining fee · Reward Points
- Base rate: 3 Reward Pts per Rs. 100 Spend
- Kotak Mahindra Infinite Credit CardKotak Mahindra Bank
Free only if: invite only
No annual fee · No joining fee · Reward Points
- Online shopping: 5x on online
- Travel: 5x on travel
- Base rate: 4 per Rs. 150
- Kotak Mahindra Privy League Infinite Credit CardKotak Mahindra Bank
Free only if: invite only for Privy League banking
No annual fee · No joining fee · Reward Points
- Online shopping: 5x on online
- Travel: 5x on travel
- Base rate: 4 per Rs. 150
- SBI Card UNNATISBI Card
Free only if: secured
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- SBI Unnati Credit CardSBI Card
Free only if: secured
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 100
- Standard Chartered Brave Credit CardStandard Chartered
Free only if: for defence
No annual fee · No joining fee · Reward Points
- Base rate: 1 per Rs. 150
- Standard Chartered Priority Banking Credit CardStandard Chartered
Free only if: for Priority Banking customers
No annual fee · No joining fee · Reward Points
- Dining: 5x on dining
- Travel: 5x on travel
- Base rate: 3 per Rs. 100
- Standard Chartered Platinum Rewards Credit CardStandard Chartered
Free only if: One time fee
No annual fee · Joining fee ₹250 + GST · Reward Pts
- Dining: 0.83% (5 Reward Points per ₹150 spent on Dining)
- Online shopping: 0.17% (1 Reward Point per ₹150 spent)
- Travel: 0.17% (1 Reward Point per ₹150 spent)
- IDBI Bank Royale Signature Credit CardIDBI Bank
Free only if: Nil
No annual fee · No joining fee · IDBI Delight Points (1 Point = ₹0.25)
- Dining: 0.75% (3 Delight Points per ₹100 spent)
- Online shopping: 0.75% (3 Delight Points per ₹100 spent)
- Travel: 0.75% (3 Delight Points per ₹100 spent)
- IDBI Aspire Platinum Credit CardIDBI Bank
Free only if: Nil
No annual fee · No joining fee · IDBI Delight Points (1 Point = ₹0.25)
- Dining: 0.33% (2 Delight Points per ₹150 spent)
- Online shopping: 0.33% (2 Delight Points per ₹150 spent)
- Travel: 0.33% (2 Delight Points per ₹150 spent)
- LIC CSL IDBI Eclat Select Credit CardIDBI Bank
Free only if: Nil
No annual fee · No joining fee · IDBI Delight Points (1 Point = ₹0.25)
- Dining: 1.00% (4 Delight Points per ₹100 spent)
- Online shopping: 1.00% (4 Delight Points per ₹100 spent)
- Travel: 1.00% (4 Delight Points per ₹100 spent)
- LIC CSL IDBI Lumine Platinum Credit CardIDBI Bank
Free only if: Nil
No annual fee · No joining fee · IDBI Delight Points (1 Point = ₹0.25)
- Dining: 0.75% (3 Delight Points per ₹100 spent)
- Online shopping: 0.75% (3 Delight Points per ₹100 spent)
- Travel: 0.75% (3 Delight Points per ₹100 spent)
- BOI RuPay Platinum Credit CardBank of India
Free only if: Nil
No annual fee · No joining fee · Star Rewards (1 Point = ₹0.25)
- Dining: 0.5% (1 Star Reward Point per ₹100 spent)
- Online shopping: 0.5% (1 Star Reward Point per ₹100 spent)
- Travel: 0.5% (1 Star Reward Point per ₹100 spent)
Where this comes from
Compiled from issuer-published fee schedules across 19 banks. Fees change, and a card that is free today can carry a fee next year — check the issuer's page before applying. If you find something out of date here, it is a mistake rather than a choice, and we would rather hear about it.
Unyfy earns a commission if you take a card through us. That is why the conditional cards above are separated out rather than padding the list — a longer list would earn more and help you less.