All cards

Best no annual fee credit cards in India

These cards charge no annual fee at all, for life — no spend threshold to hit, no fee to remember to waive. A solid default if you're building credit or want a no-maintenance backup card.

Ranked using our methodology. Want a personalized pick instead? Find my card →

#1

Axis Bank

Axis Bank Burgundy Private Credit Card

Visa

Axis Bank

Axis Bank Burgundy Private Credit Card

6% base reward · ₹0 annual fee

#2

Yes Bank

Yes Bank Marquee Credit Card

Visa

Yes Bank

Yes Bank Marquee Credit Card

3% base reward · ₹0 annual fee

#3

Kotak Mahindra Bank

Kotak UPI RuPay Credit Card

RuPay

Kotak Mahindra Bank

Kotak UPI RuPay Credit Card

3% base reward · ₹0 annual fee

#4

IndusInd Bank

IndusInd Pinnacle

2% base reward · ₹0 annual fee

#5

Canara Bank

Canara Bank RuPay Select Credit Card

RuPay

Canara Bank

Canara Bank RuPay Select Credit Card

2% base reward · ₹0 annual fee

#6

Canara Bank

Canara Bank MasterCard World Credit Card

Mastercard

Canara Bank

Canara Bank MasterCard World Credit Card

2% base reward · ₹0 annual fee

#7

ICICI Bank

ICICI Bank Platinum Chip Credit Card

Visa

ICICI Bank

ICICI Bank Platinum Chip Credit Card

2% base reward · ₹0 annual fee

#8

ICICI Bank

ICICI Bank Parakram Select Credit Card

Visa

ICICI Bank

ICICI Bank Parakram Select Credit Card

2% base reward · ₹0 annual fee

#9

Canara Bank

Canara Bank RuPay Platinum Credit Card

RuPay

Canara Bank

Canara Bank RuPay Platinum Credit Card

2% base reward · ₹0 annual fee

#10

Canara Bank

Canara Bank Visa Classic Credit Card

Visa

Canara Bank

Canara Bank Visa Classic Credit Card

2% base reward · ₹0 annual fee

#11

Federal Bank

Federal Bank Scapia Credit Card

Visa

Federal Bank

Federal Bank Scapia Credit Card

2% base reward · ₹0 annual fee

#12

IndusInd Bank

IndusInd Legend

1.5% base reward · ₹0 annual fee