Zero Annual Fee Credit Cards That Cost Nothing, Deliver More
Discover the best credit cards in India and start your credit journey with top-rated, lifetime free options.
IDFC FIRST Millennia Credit Card
Joining Fee - Nil
Movie & Dining : 25% Discount Up to 100 on District App. 20% Discount on Popular Restaurants
Rewards Rate : 3X Reward Points Till Spends of 20,000. 10X Reward Points After Incremental Spends of 20,000
Travel : Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.
Insurance Benefits : Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.
IDFC FIRST Select Credit Card
Joining Fee - Nil
Movie & Dining : Buy One Get One offer on movie tickets up to 125 while booking with the District app & up to 20% discount on dining at over 1500 restaurants.
Rewards Rate : 3 Reward Points/150 Upto Spends of 20,000 and 10 Reward Points/150 on Spends Above 20,000
Reward Redemption : 1 Reward point = 0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.
Travel : Complimentary 4 Railway Lounge Access Per Quarter
Domestic Lounge Access : 2 Complimentary Domestic Airport Lounge Access Every Quarter (8 Each Year)
Insurance Benefits : You get an air accident cover worth 1 crore, personal accident cover worth upto 5,00,000 and a travel insurance cover worth up to 22,500
IDFC FIRST WoW Credit Card
Joining Fee - Nil
Movie & Dining : 50% Discount Up to Rs. 300 on Movie Ticket Bookings (Visa Infinite)
Rewards Rate : Earn 4X (4RP) Reward Points on every Rs. 150 spent
Reward Redemption : Use Reward Points to instantly pay for online or in-store purchases. 1 Reward point = Rs. 0.25
Insurance Benefits : Personal Accident, Card Liability cover and many more.
Fibe Axis Bank RuPay Credit Card
Joining Fee - Nil
Movie & Dining : 3% Cashback on Entertainment Spends & 15% Off With the Axis Bank Dining Delights Program.
Rewards Rate : 3% Cashback on Entertainment, Food Delivery & Commute
Reward Redemption : Direct Cashback
Travel : Domestic Lounge Access Available
Domestic Lounge Access : 1 Complimentary Domestic Lounge Access Every Quarter
Axis Bank Neo Credit Card
Joining Fee - Nil
Movie & Dining : You get 10% off on booking movie tickets on BookMyShow and 40% off food delivery while ordering with Zomato.
Rewards Rate : Earn 1 EDGE REWARD point on every Rs. 200 spent.
Reward Redemption : The Edge Rewards can be redeemed against an array of categories at the Edge Rewards Website at a rate of 1 Edge RP = Re. 0.20.
Axis Bank ACE Credit Card
Joining Fee - Nil for Limited Time
Movie & Dining : A discount of up to 20% on dining at 4,000+ restaurants under the Axis Bank Dining Delights program.
Rewards Rate : 5% cashback on paying bills & on mobile recharges via GPay and 4% cashback on Swiggy, Ola, and Zomato, with a combined capping of Rs. 500 cashback per month. 1.5% cashback elsewhere on other merchants.
Reward Redemption : Your earned cashback is automatically credited to the cardholders' accounts.
Travel : Complimentary lounge access per year at domestic airports, accelerated (4%) cashback on Ola rides with Axis Bank Ace Card.
Domestic Lounge Access : 4 complimentary airport lounge visits to domestic airport lounges per year
Axis Bank Pride Platinum Credit Card
Joining Fee - Nil
Movie & Dining : Enjoy delicious cuisine with Axis Bank Dining Delights that offer a minimum of 15% at its partner restaurants all over India.
Rewards Rate : 4 Reward Points per Rs. 200 spend.
Reward Redemption : 1 RP = Rs 0.20 for redemption against a variety of options available at the Edge Rewards website.
Axis Bank Freecharge Plus Credit Card
Joining Fee - Nil
Movie & Dining : Get 20% off up to Rs. 500 on dining
Rewards Rate : 5% cashback on all spends via Freecharge and 1% cashback on all other spends.
Reward Redemption : Edge Reward Points can be redeemed against various products at a rate of 1 RP = Re. 0.20.
Axis Bank Pride Signature Credit Card
Joining Fee - Nil
Movie & Dining : A discount of 15% or more on dining at partner restaurants.
Rewards Rate : For every Rs. 200 spent, you will get 8 EDGE REWARD Points.
Reward Redemption : EDGE REWARD Points can be redeemed at the EDGE REWARDS Portal. 1 EDGE REWARD Point = Rs. 0.20.
Travel : Complimentary visits to domestic lounges.
Domestic Lounge Access : In every calendar quarter, you will get 2 complimentary domestic lounge access.
Aditya Birla AU Bank Credit Cards
Joining Fee - Nil
Movie & Dining : Accelerated Reward Points and Exclusive Discounts on Dining.
Rewards Rate : Each Card Offers Accelerated Reward Points for Special Categories and Up to 6X Reward Points for Online Transactions
Reward Redemption : 1 RP = Rs. 0.20
Travel : Free Railway Lounge Access if Offered
Domestic Lounge Access : Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants
International Lounge Access : Free Lounge Access is Either Offered or Can Be Availed with the Custom Variants
ixigo AU Credit Card
Joining Fee - Nil
Rewards Rate : 20 RPs for Train Bookings on ixigo, 10 RPs for Online Spends and 5 RPs for Offline Spends
Reward Redemption : Redeem Rewards at ixigo App or AU Rewardz
Travel : 10% Discount on Flight, Bus & Hotel Bookings
Domestic Lounge Access : 8 Per Year
International Lounge Access : 1 Per Year, Priority Pass to be Issued on Request
Insurance Benefits : Credit Shield up to Rs. 1 Lakh
HDFC Platinum Times Credit Card
Joining Fee - NIL
Movie & Dining : 50% discount (max Rs. 600 per transaction) on Movie Tickets booked on BookMyShow15% discount up to maximum of Rs. 1500 at restaurants through PayEazy on Eazydiner
Rewards Rate : 3 Reward Points on every spend of 150. 10 reward points on every weekday dining spent of 150.
Reward Redemption : You can redeem rewards by logging into your HDFC Bank net banking account and clicking on the reward redemption link.
HDFC Bank Titanium Times Credit Card
Joining Fee - NIL
Movie & Dining : Accelerated Reward Points (5 RPs/Rs. 150) on dining spends on weekdays, 25% off on movie tickets bookings on BookMyShow (max discount of Rs. 350 per transaction) and EazyDiner Prime Membership with dining discounts of 25% to 50%.
Rewards Rate : 5 Reward Points per Rs. 150 on dining spends on weekdays, 2 Reward Points per Rs. 150 on all other spends
Reward Redemption : The accumulated Reward Points can be redeemed for products, gift vouchers and discounts via net banking or through post.
HSBC Smart Value Credit Card
Joining Fee - Nil
Rewards Rate : 1 Reward Points for every Rs. 100 spent on retail transactions and 3x RPs on dining, telecom categories, and all online spends.
Reward Redemption : You can redeem the reward points via the HSBC Rewards portal with the value of 1 Reward Point = up to Re. 0.35.
Kotak 811 #DreamDifferent Credit Card
Joining Fee - Nil
Rewards Rate : For every Rs. 100 spent on online transactions, you will get 2 Reward Points, and 1 Reward Points for every Rs. 100 spent on all other transcations.
Reward Redemption : You can redeem the reward points against a variety of options at the rate of 1 Reward Point = Rs. 0.25
Kotak Urbane Gold Credit Card
Joining Fee - Nil
Rewards Rate : 3x Reward Points per Rs. 100 you spend on all retail transactions
Reward Redemption : Redeem the earned points for various categories like Movie Tickets, Mobile Recharge, etc. Rewards Points can used to pay your shopping bills through PayByPoints Program
Insurance Benefits : Insurance cover for a lost or stolen card
Kotak Privy League Signature Credit Card
Joining Fee - Nil (For Both Variants)
Rewards Rate : 5x Reward Points on select retail shopping and travel spends, 2x Reward Points on all other spends and traveler's plan.
Reward Redemption : Reward Points redeemable on Kotak reward redemption portal.
Travel : Complimentary domestic lounge access, Priority Pass membership, 4 complimentary lounge visits / year visits with Priority Pass (paid variant only)
Domestic Lounge Access : 2 Complimentary visits to the Dream Folks Lounges in India
International Lounge Access : Complimentary Priority Pass membership (with both variants), 4 complimentary lounge visits every year visits with Priority Pass (paid variant only)
Kotak Royale Signature Credit Card
Joining Fee - Nil
Rewards Rate : 2 Reward Points per Rs. 150 you spend. 4 Reward Points per Rs. 150 you spend on select categories like restaurants, international spends, Airlines, hotels, etc.
Reward Redemption : The Reward points are redeemable on kotakrewards against various categories. 1 RP = 18.75 paise.
Travel : You get complimentary airport lounge access every year.
Domestic Lounge Access : 2 complimentary access to domestic lounges per quarter
Insurance Benefits : Coverage of Rs. 2.5 lakhs against fraudulent transactions on a lost/stolen card.
Kotak Veer Select Credit Card
Joining Fee - Nil
Rewards Rate : 3 Reward Points on every spend of Rs. 200, and 3x Reward Points on movies, dining, and departmental stores.
Reward Redemption : Redeem points against a host of categories such as Movies, Mobile Recharges, and e-vouchers. 1 Kotak Reward Point = Re. 0.25.
Travel : Complimentary access to domestic airport lounges
Domestic Lounge Access : 2 complimentary domestic airport lounge access every quarter
Insurance Benefits : Insurance cover worth Rs. 2.5 lakhs against unauthorized transactions on a lost/stolen card
Kotak Veer Platinum Credit Card
Joining Fee - Nil
Rewards Rate : 6 Reward Points per Rs. 200 spent on grocery, dining, etc and 2 Reward Points for other spends
Reward Redemption : The reward points are redeemable for various categories like Movie Tickets, Mobile Recharge, etc. 1 Reward Point = Re.0.25.
Insurance Benefits : Insurance cover for a lost or stolen card
RBL Bank Insignia Preferred Banking World Card
Joining Fee - Nil for Insignia Preferred Banking Customer. 7,000 + GST for Others
Movie & Dining : Flat Rs. 500 off on movie tickets on BookMyShow, Priority reservations, and personalized hospitality from the chef with an exclusive dining program.
Rewards Rate : 5 Reward Points per Rs. 100 spent on domestic transactions, 10 Reward Points per Rs. 100 spent on international transactions.
Reward Redemption : Reward Points redeemable for e-vouchers, mobile recharges, flight bookings, etc. 1 RP = Re 0.25 (approx)
Travel : You get complimentary domestic as well as international lounge access.
Domestic Lounge Access : 2 Complimentary Domestic Lounge Access Per Quarter
International Lounge Access : 6 complimentary international lounge access every year via Priority Pass
Golf : 4 complimentary rounds of green fees every year, 12 complimentary golf lessons every year.
IndusInd Legend Credit Card
Joining Fee - Nil
Movie & Dining : BOGO on 1 movie ticket every month up to Rs. 200.
Rewards Rate : 1 Reward Point per Rs. 100 spends on weekdays and 2 Reward Points for every Rs. 100 you spend on weekends.
Reward Redemption : 1 RP = 0.50 for Redemption Against Cash Credit
Insurance Benefits : Get a Complimentary Air Accidental cover of Rs 25 Lakhs. Complimentary Lost baggage Insurance of Rs 1 lakh and several other travel insurance covers.
IndusInd Bank Platinum Credit Card
Joining Fee - Nil
Rewards Rate : 1.5 RPs per Rs. 100 spent and 1.2 RPs per Rs. 100 spent on utilities & insurance categories.
Reward Redemption : 1 RP = 0.40 While Redeeming Points Against Cash. For Non-Cash Redemption 1 RP = 0.60
Insurance Benefits : Complimentary Air Accidental death cover worth Rs. 25 Lakhs.
IndusInd Bank ePay Amex Credit Card
Joining Fee - Nil
Movie & Dining : 3 Month Zomato Gold Membership
Rewards Rate : 4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction
Reward Redemption : RPs Can Be Redeemed for Cash Credit, AirMiles or at IndusMoments
Insurance Benefits : Air Accident Cover up to Rs. 1 Lakh
IndusInd Bank PIONEER Private Credit Card
Joining Fee - Nil
Movie & Dining : 2 Free Movie Tickets Each Month. Upto 6,000 Discount on Dining Each Year With EazyDiner
Rewards Rate : 3 RPs for All Eligible Spends and 0.7 RPs on Select Categories (Utilities, Education, Government Transactions)
Reward Redemption : Redeem Points at Indus Moments. You Can Redeem at a 1:1 Ratio for Cash Credit, Airmiles, and Gift Vouchers
Travel : 0% Forex Fees
Domestic Lounge Access : Unlimited Domestic Airport Lounge Access
International Lounge Access : Unlimited International Airport Lounge Access (Through Priority Pass)
Golf : Unlimited Domestic Golf Lessons and Games
Insurance Benefits : Overseas Medical Insurance of USD 25,000, Air Accident Cover and Total Protect
BOBCARD Easy Credit Card
Joining Fee - Nil
Rewards Rate : 5X reward points on every Rs. 100 spent on movies, groceries, and departmental stores. 1 reward point on every Rs. 100 spent on other categories.
Reward Redemption : Accumulated reward points can be redeemed against cashback and other exciting options. 1 reward point is equivalent to 0.20
BOBCARD ICSI Diamond Credit Card
Joining Fee - Nil
Rewards Rate : 1 Reward Point on every spend of Rs. 100 and 5x Rewards on utility bills, dining, and online purchases.
Reward Redemption : The earned rewards can be redeemed against cashback at a rate of 1 Reward point = Re. 0.25.
Travel : Get free domestic lounge access every year
Domestic Lounge Access : Get 12 complimentary domestic lounge access every year (3 per quarter)
Insurance Benefits : Get an accidental insurance cover worth Rs. 15 lakhs, non-air accident cover worth Rs. 5 lakhs.
Nainital RENAISSANCE BOBCARD Credit Card
Joining Fee - Nil
Rewards Rate : 1 RP on every spend of Rs. 100 and 5x Rewards on groceries, movies, and departmental stores.
Reward Redemption : Reward Points redeemable against cashback and various other options. 1 Reward Point = Re. 0.25.
Insurance Benefits : Get an air accidental cover worth Rs. 15 lakhs and non-air accident cover worth Rs. 5 lakhs.
BOBCARD Sentinel Credit Card
Joining Fee - Nil
Rewards Rate : 2 Reward Points on every retail spend of Rs. 100 and 5x Rewards on groceries and departmental store purchases.
Reward Redemption : The accumulated Reward points can be redeemed against various options available on the BoB Rewards portal. 1 Reward Point = Re. 0.25
Travel : Get free domestic lounge access every quarter
Domestic Lounge Access : Get 2 complimentary domestic lounge access every quarter (8 per year)
Golf : Get 4 complimentary golf rounds every year.
Insurance Benefits : Get an insurance cover worth Rs. 20 lakhs against personal accidental death
ICAI Exclusive BOBCARD Credit Card
Joining Fee - Nil
Rewards Rate : 1 Reward Point on every spend of Rs. 100 and 5x Reward points on dining, utility bills, and online purchases.
Reward Redemption : The earned Reward points can be redeemed against various options available at the boB Rewards portal and against cashback also. 1 Reward point = Re. 0.25
Domestic Lounge Access : 3 Complimentary Domestic Lounge Access Every Quarter (12 Each Year on Spends of 40,000 in the Previous Quarter)
Insurance Benefits : Get an accidental insurance cover worth Rs. 15 lakhs, non-air accident cover worth Rs. 5 lakhs.
Indian Army YODDHA BOBCARD Credit Card
Joining Fee - Nil
Rewards Rate : 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.
Reward Redemption : The earned Reward Points are redeemable against several options available at the BoB Rewards portal at a rate of 1 Reward Point = Re. 0.25.
Domestic Lounge Access : 8 Free Domestic Airport Lounge Access Each Year. 2 Per Quarter on Spends of 20,000 in the Previous Quarter
Insurance Benefits : Get a personal accident cover worth Rs. 20 lakhs
Indian Navy Varunah BOBCARD Credit Card
Joining Fee - Nil (for Varunah Card),Rs. 1,499 (for Varunah Plus Card)Rs. 2,499 (for Varunah Premium Card)
Rewards Rate : Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.
Reward Redemption : The earned Reward points can be redeemed against a variety of options at a redemption rate of 1 Reward Point = Re. 0.25.
Travel : Complimenatry domestic lounge access every year with the Premium and Plus variant
Domestic Lounge Access : Unlimited complimentary domestic lounge access (with the Premium variant), 3 complimentary domestic lounge access every quarter (with the plus variant)
Insurance Benefits : Air Accident cover worth Rs. 1 Crore with the premium variant.
Standard Chartered Rewards Credit Card
Joining Fee - Nil
Rewards Rate : 4 Reward Points on every retail spend of Rs. 150, 1 RP on every Rs. 150 spent on government payments and insurance.
Reward Redemption : 1 RP = Re 0.25 for redemption against the Rewards catalog and 1 RP = Re. 0.20 for redemption against the card's statement balance.
Travel : Complimentary domestic lounge access every quarter.
Domestic Lounge Access : 1 free domestic lounge access every quarter, i.e. 4 per year.
Standard Chartered Platinum Rewards Credit Card
Joining Fee - Nil
Rewards Rate : 1 reward point per Rs 150 you spend on all categories and 5 reward points per Rs 150 you spend on dining and fuel transactions
Reward Redemption : The reward points earned are redeemable against retail items and vouchers at a rate of 1 RP = Re. 0.25.
Standard Chartered Priority Visa Infinite Credit Card
Joining Fee - Nil
Movie & Dining : Discount and offers on dining with the Standard Chartered Good Life program.
Rewards Rate : 5X reward points for every 100 spent overseas and on retail fashion, 2X reward points on all other spends.
Reward Redemption : The reward points earned can be redeemed for shopping vouchers and charity spends on the Standard Chartered online portal under the Standard Chartered 360 rewards program.
Travel : Complimentary Priority Pass Membership
Domestic Lounge Access : 4 complimentary domestic lounge access per quarter
International Lounge Access : International lounge access with Priority Pass
Golf : 2 complimentary golf games per month at select domestic golf courses and 1 complimentary golf coaching session.
Insurance Benefits : Overseas air-accident insurance worth Rs. 1.2 crore, medical insurance worth USD 25,000
Amazon Pay ICICI Bank Credit Card
Joining Fee - Nil
Movie & Dining : A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program
Rewards Rate : 5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Reward Redemption : Reward Points earned transferred to Amazon Pay balance at the end of the payment cycle. 1 Reward Point = Re. 1
ICICI Bank British Airways Classic Credit Card
Joining Fee - NIL
Rewards Rate : 0.5 Avios on every Rs. 100 spent with Mastercard variant, 2.5 Avios per Rs. 100 spent on British Airways Flight bookings and 2 Avios per Rs. 100 spent on all other spends with Amex Variant.
Reward Redemption : The Avios you earn can be redeemed against hotel/flight bookings, car rentals, etc, on the official website of British Airways.
ICICI Bank Parakram Select Credit Card
Joining Fee - Nil
Movie & Dining : Dining offers under ICICI Bank Culinary Treats Programme.
Rewards Rate : 5X reward points on every Rs. 100 spent on grocery, departments store, and CSDs and 2 reward points for every Rs. 100 spent on other applicable expenses, and 1 reward point on every Rs. 100 spent on insurance and utility bills.
Reward Redemption : The reward redemption rate is Rs. 0.25 = 1 RP
Domestic Lounge Access : 2 complimentary domestic airport lounge access
International Lounge Access : 1 complimentary airport lounge access each year
Golf : Complimentary golf rounds if you spend more than Rs. 50,000 in a month (max capped 4 times per month)
Insurance Benefits : Personal accident insurance of Rs. 2 Lakh and Air Accident Cover of Rs. 20 Lakh.
ICICI Bank Parakram Credit Card
Joining Fee - Nil
Movie & Dining : Dining benefits with ICICI Bank Culinary Treats Programme
Rewards Rate : 5X reward points for every Rs. 100 spent on CSDs, groceries, and departmental stores and 1 reward point for every Rs. 100 spent on all other expenses
Reward Redemption : Rs. 99 will be charged on every reward redemption request
Domestic Lounge Access : One Domestic Airport Lounge Visit Each Quarter
Insurance Benefits : Personal accident insurance of Rs. 2 Lakh and Air Accident Cover of Rs. 20 Lakh
ICICI Bank Mine Credit Card
Joining Fee - Nil (Starter). Rs. 49 Monthly (Pro). Rs. 149 Monthly (Premium)
Rewards Rate : A cashback of 1% on all retail spends and 5% on exclusive partner brands.
Reward Redemption : 1 Mine cash is equivalent to Rs 0.5 on redemption against the ICICI Bank Reward catalog and 1 Mine cash is equivalent to Rs 1 on redemption against statement balance
Travel : Complimentary domestic airport and railway lounge access every month. 7% off on hotel bookings subject to a maximum discount of Rs 5,000 and 4% off up to Rs 600 flight bookings under the Pro and Premium plan of ICICI Mine credit card.
Domestic Lounge Access : With Premium Plan, get 1 complimentary visit to the domestic lounge per month.
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