How to Get the Best Credit Cards in India with No Annual Fee in 2024

How to Get the Best Credit Cards in India with No Annual Fee in 2024

If you are looking to get your first credit card, a lifetime free credit card is a nice idea. You will find many options if you are looking for the best credit card in India with no annual fee. Undoubtedly, a credit card is your financial safety net on which you can rely at any point.

The idea is to increase your rewards with your everyday spending. If you commute a lot, you can opt for a credit card with a fuel surcharge waiver; if you travel frequently, go for a credit card with air miles and complimentary lounge access.

A lifetime free card means a credit card with no annual charges. Here, you will find the top 10 lifetime free credit cards and the process to get one with ease.

Top 10 Credit Cards with No Annual Fees

There are many options in the market – you can choose which suits your needs best. All of these credit cards have no annual fees, which is a point for consideration for credit card newbies to want to keep costs down:

Credit Cards with Zero Annual Fees Benefits
Amazon Pay ICICI Credit Card
  • Enjoy a 15% discount at partner restaurants
Axis Bank Insta Easy Credit Card
  • Enjoy cash withdrawal of the total credit limit
Dhanlaxmi Bank Platinum Credit Card
  • Get access to various kinds of shield covers
Kotak 811 #DreamDifferent Credit Card
  • Get 4 reward points for every ₹100 spent online
IndusInd Bank Legend Card
  • Enjoy the ‘Buy 1, Get 1’ offer on BookMyShow; a maximum of 3 tickets per month
IDFC FIRST Select Credit Card
  • Earn 5% cashback and 3X reward points on purchases, up to ₹20,000 monthly
ICICI Platinum Chip Credit Card
  • Earn 2 PAYBACK points on every ₹100 spent
IDBI Aspire Platinum Credit Card
  • Enjoy VISA Platinum offers on airport shopping, hotels and more
HSBC Visa Platinum Credit Card
  • Get complimentary travel vouchers
One Credit Card
  • Enjoy 5X reward points on your top 2 spend categories

Disclaimer: The features and charges of the cards mentioned above may change as per updates in the policies of the issuers/credit card companies. Please check the latest information before you apply.

Check out the options above and get the best credit card in India with no annual fee that aligns with your spending habits. Be wise while choosing a credit card since it helps turn your everyday spending into a rewarding experience.

Process to Apply for a Credit Card

When you are sure about which credit card to get, you can proceed to apply. To complete the application process, follow these steps:

  • Step 1: Check eligibility to position yourself for success 
  • Step 2: Check credit score to ensure it is as per the terms or at least 700
  • Step 3: Fill in the online application on the website or mobile app of the financial institution 
  • Step 4: Submit required documents
  • Step 5: Wait for approval
  • Step 6: Receive your card if you are approved
  • Step 7: Activate the card
  • Step 8: Start transacting

If you do not get approval, ask the financial institution for the reason. You can apply again after improving that specific parameter, be it age, income or score. 

Eligibility and Required Documents

Here, you will find the eligibility criteria and documents required to apply for a credit card:

Eligibility Checkbox:

Check these boxes when you are about to apply for a credit card:

Age Above 18 and below 70 (or as per the issuer)
Nationality Indian (or NRI as per the issuer)
Credit Score Good credit score of 700+ for unsecured credit cards
Employment Salaried or self-employed with stable income 
Income Monthly or annual salary as per the issuer

If you do not have a good score or match the minimum salary requirements, you can get an 

FD credit card, 

Document Checkbox:

Here are the documents that you will need to submit while applying for a credit card:

  • ID proof like Aadhaar card, PAN card, driving licence, voter ID
  • Address proof like passport, electricity bill, ration card, or more
  • Income proof like salary slips, bank statements or ITRs
  • Passport-size photo
  • Additional documents (if required)

Features of a Lifetime Free Credit Card

Now, you know who can apply and how to apply for a lifetime free credit card. This is the time for you to understand why to apply for a lifetime free credit card:

  • Zero Annual Charges – Zero charges for credit card maintenance
  • Boost Your Credit Score – An excellent opportunity to build your credit score
  • Exciting Rewards Program – Get welcome bonus and noteworthy benefits in several categories

You may also get benefits like 0% introductory APR, where no interest rate will be applied to balance transfers for a specific period. Such cards may also charge zero fees on foreign transactions, making it easier to use overseas. 

You often benefit from insurance covers and flexible reward point redemption options with a credit card. This allows you to stay secure and take advantage of better opportunities for future purchases. 

Now that you’re ready to begin your credit card journey, it’s wise to acquire a single credit card that offers a variety of benefits. If you’re looking for instant approval, the One Credit Card is a game changer with zero annual and joining fees. 

This stylish metal card provides access to numerous benefits on travel, wellness, shopping and more. Apply now to experience the powerful One Credit Card mobile application and enjoy the benefits of this lifetime-free credit card on the go! 

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How to Get the Best Credit Cards in India with No Annual Fee in 2024
How to Get the Best Credit Cards in India with No Annual Fee in 2024
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