When choosing a credit card, one of the most common concerns is the annual fee. Many users prefer credit cards that offer essential benefits without recurring charges. So, which credit cards have zero annual fees in India? This blog will walk you through the top options available, their features, and why they might be the perfect fit for your wallet.
Benefits of Zero Annual Fee Credit Cards
Credit cards with no annual fees are an excellent choice for beginners and those looking to maximise savings. They typically offer:
- No yearly maintenance charges
- Rewards on daily spending
- Basic cashback or point benefits
- Ideal for building credit history at no cost
Additionally, zero annual fee credit cards are a great way to experience the flexibility and convenience of credit without worrying about losing value if your spending fluctuates.
Top Zero Annual Fee Credit Cards in India
Here is a list of some of the most popular credit cards with zero annual fees in India:
| Credit Card Name | Key Benefits | Eligibility Criteria |
| ICICI Platinum Chip Card | Fuel surcharge waiver, cashback offers | Minimum age 21, stable income |
| Amazon Pay ICICI Credit Card | 5% cashback for Prime users | Amazon customer with KYC completed |
| Axis Bank MY Zone Easy Card | Dining discounts, movie offers | Minimum income â‚ą15,000 per month |
| HSBC Visa Platinum Card | Rewards on dining, fuel, and shopping | Income proof required |
| IDFC FIRST Millennia Card | Unlimited interest-free cash withdrawals | Minimum age 21, steady income |
These cards not only help you save on annual fees but also provide essential lifestyle benefits like cashback, discounts, and reward points.
Detailed Overview of Zero Annual Fee Credit Cards
ICICI Platinum Chip Credit Card
 The ICICI Platinum Chip Credit Card is a lifetime free card that offers benefits like fuel surcharge waivers and Payback reward points on every purchase. It is a secure, EMV chip-enabled card, ideal for everyday expenses, offering financial flexibility without any annual charges, making it perfect for budget-conscious users.
Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is a co-branded card offering 5% cashback for Amazon Prime members, 3% for non-Prime Amazon users, and 1% on other purchases. It’s a zero-annual-fee card that seamlessly integrates with your Amazon account, providing instant rewards that can be used for future Amazon purchases.
Axis Bank MY Zone Easy Credit Card
The Axis Bank MY Zone Easy Credit Card is designed for lifestyle benefits, offering attractive discounts on dining, movie tickets, and occasional cashback offers. With no annual fees, this card is ideal for young professionals and students who enjoy entertainment perks while maintaining cost-effective spending.
HSBC Visa Platinum Credit Card
 The HSBC Visa Platinum Credit Card offers an excellent welcome package, shopping rewards, and discounts on dining and travel bookings. Lifetime free with zero annual fees, it’s a smart choice for those seeking premium card privileges without maintenance costs. It also provides fuel surcharge waivers and global acceptance.
IDFC FIRST Millennia Credit Card
 The IDFC FIRST Millennia Credit Card provides unique benefits like unlimited interest-free cash withdrawals for up to 48 days and discounts on dining and movies. It’s a lifetime free card with no annual charges, making it highly appealing for young adults seeking credit flexibility and wide reward earning opportunities.
Why Opt for Zero Annual Fee Credit Cards?
Selecting credit cards with no annual fees in India can be financially smart for:
- Students or new earners building credit
- Budget-conscious users aiming to avoid hidden charges
- Occasional spenders who don’t want to pay for unused card benefits
Moreover, which credit cards have zero annual fees in India? is a frequently searched topic because people are increasingly looking for cost-effective financial tools without compromising on essential perks.
Another significant benefit is the flexibility to own multiple zero-fee credit cards to diversify rewards across different spending categories such as travel, groceries, and online shopping. Some cards even offer milestone rewards and fee waivers based on minimal usage, making them attractive even for infrequent users.
Points to Remember Before Applying
- Always read the terms carefully. Some cards may offer zero annual fees only for the first year.
- Evaluate whether the offered rewards match your spending habits.
- Check if the card offers lifetime free validity or conditional fee waivers based on annual spending.
- Some credit cards may require a minimum spend to maintain the zero-fee benefit in subsequent years.
Make sure you also compare joining offers, reward conversion rates, and customer service reviews when selecting the best credit card for your needs.
Conclusion
To summarise, which credit cards have zero annual fees in India? is a key question for savvy spenders looking to enjoy the perks of credit cards without the burden of annual charges. Options like the ICICI Platinum Chip Card, Amazon Pay ICICI Credit Card, and Axis Bank MY Zone Easy Card stand out in this category. Choosing the right zero-fee credit card helps you build credit while maximizing savings.
