Get Credit Cards That Charge You ZERO Annual Fee

Credit cards are a blessing! You get some time to pay off your outstanding balance so that you don’t have to pay any additional interest on your purchases. Credit cards are your best friend for emergency expenses and will support you with cash or kind, whatever is required.

Another feature are the consistent rewards and cashbacks that credit cards offer on almost all transactions you make, which reward you with amazing benefits each year. If you have to pay an annual fee, it boils down to nil. It almost neutralises  the rewards and perks you earn, leaving you with no benefit.  Here, we will discuss 5 amazing credit cards that charge you NO Annual Fee.

5 Credit Cards that come with ZERO Annual Fee

OneCard Credit Card

It is one of the best and smartest metal card card with ZERO joining charges, ZERO Rewards Redemption fee, and ZERO Annual charge. This free annual fee credit card encourages you to make regular transactions and earn rewards. It also offers a seamless onboarding process, wherein you can activate your credit card in just 5 minutes.

· You can also earn points on all spending categories such as insurance, utility payments and fuel, without any restrictions on amounts

· You earn 1 reward point for every Rs 50 spent. The best feature is that the accumulated reward points never expire

· You also get the advantage of earning 5 times more rewards on the top 2 spend categories in one specific billing cycle.

· You can also track your CIBIL score for free monthly on its OneScore app.

IDFC FIRST Classic Credit Card

This free annual fee credit card also comes with ZERO Annual fee and joining fee and comes with various other offers and deals:

· If you spend Rs 15000 in the first 3 months of receiving the credit card, you get a welcome bonus of Rs 500 as a gift voucher 

· For every online transaction of Rs 150 or more, you earn 6 Reward Points and 3 on offline transactions of the same value

· If you opt for any kind of EMI transaction in the initial 3 months of receiving the card, you get 5% cashback 

· Every month, you can avail a 25% discount using the Paytm application on movie tickets up to Rs 100.

· You get other benefits like International and Domestic Lounge Access, Insurance Benefits, Zero Liability Protection, and other travel benefits

Amazon Pay ICICI Bank Credit Card

This credit card with no renewal or joining charges gives the following benefits:

· You can enjoy a welcome bonus of approximately Rs. 300 to Rs. 600 as your Amazon Pay Balance 

· You get 1% cashback on all transactions and 2% cashback on selected merchants (fuel purchases not included)

· Best suited for shopping

· You get a 15% discount on dining bills at restaurants 

· It also comes with Zero Liability Protection

HDFC Bank Millennia Credit Card

It is a lifetime free credit card with a joining fee of Rs 1,000 (plus taxes). It also offers 1,000 Cash Points as a Welcome Benefit. Its yearly fee of Rs 1,000 is waived off on a minimum expenditure of Rs 1 lac annually. Key offers on this card are:

· It comes with various cashback offers and is best suited for shopping

· You get 1% cashback on all transactions and 5% cashback on selected merchants (fuel purchases not included)

· You get other benefits like Movie & Dining, Zero Liability Protection, Domestic Lounge Access (8 times a year), and top Reward Redemption benefits

Axis Bank ACE Credit Card

This is a free credit card to apply for, with no annual fee or renewal fee and Rs. 499 + taxes as joining fees. You get the following benefits:

· If you use Google Pay to pay for utility bills or recharges, you get 5% cashback 

· The card has partnered with more than 4000 dining options where you get 20% off and 4% cashback on selected apps like Swiggy, Ola, Zomato

· You get 4 free domestic airport lounge facilities every year

· You get 3% cashback for non-prime and 5% cash back for prime members on Amazon purchases


It is smart to apply for and use credit cards that don’t come with any loaded burden. Everyone wants to enjoy the umpteen benefits provided by credit cards, but no one wants to pay extra charges or hidden expenses like joining fees or annual fees. 

Some even charge rewards redemption fees, which eventually lead to No Profit, No Loss. Filling your wallet with free annual fee credit cards that spare you such expenses and provide maximum benefits is better!