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 →
Rates last verified 24 October 2026 · No bank pays us to rank higher.
Axis Bank
Axis Bank Burgundy Private Credit Card
6% base reward · ₹0 annual fee
Why it's ranked here: Unlimited worldwide lounge access with generous guest visits
AU Zaggle Co-Branded Retail Credit Card
Visa
AU Small Finance Bank
AU Zaggle Co-Branded Retail Credit Card
4% base reward · ₹0 annual fee
Why it's ranked here: Zero joining and annual fee for life
HDFC Bank
HDFC Bank Corporate Premium Credit Card
3.33% base reward · ₹0 annual fee
Why it's ranked here: Quarterly domestic and annual international lounge access
Kotak Mahindra Bank
Kotak UPI RuPay Credit Card
3% base reward · ₹0 annual fee
Why it's ranked here: No joining or annual fee, ever
Kotak Mahindra Bank
Kotak Solitaire Credit Card
3% base reward · ₹0 annual fee
Why it's ranked here: Zero forex markup, rare among Indian travel cards
IndusInd Bank
IndusInd Pinnacle
2% base reward · ₹0 annual fee
Why it's ranked here: Strong online shopping rewards
Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No annual fee
Federal Bank Scapia Credit Card
Visa
Federal Bank (Scapia)
Federal Bank Scapia Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Zero joining/annual fee, no minimum spend to keep it free
ICICI Bank
MakeMyTrip ICICI Bank Signature Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Lifetime free from year two — only a one-time ₹2,500 joining fee
Unity Bank BharatPe RuPay Credit Card
RuPay
Unity Small Finance Bank (BharatPe)
Unity Bank BharatPe RuPay Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: Zero joining fee, zero annual fee, zero processing fee and zero foreclosure charges — no fee scenario the fine print can spring on you
HDFC Bank
HDFC Bank Corporate Platinum Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No cardholder fee under standard corporate programmes
SBM Rupicard Credit Card
Visa
SBM Bank India
SBM Rupicard Credit Card
2% base reward · ₹0 annual fee
Why it's ranked here: No income proof or CIBIL history required