Top 7 Credit Cards With Zero Annual Fees

If you are searching hard for a credit card with no annual fees, then you will be disappointed to know that there are not many, but there is hope. Well, personally I hate paying an annual fee just to use a credit card. If the rewards are great, then it does makes some sense in some cases, not all the time. I have congregated some of the best credit cards with no annual fee.

HSBC Visa Platinum Card

The rewards and the privileges offered by HSBC Visa Platinum card makes it a good package. The best thing about the credit card is that it offers lucrative rewards so that you can gather points for gift vouchers or various other cash benefits.

Pros –

The card has no joining fee.

More than 30 exclusive offers from both in store and online merchants.

Enjoy 20% discount at selected restaurants and airports in India.

There is 10% cashback offer on all spends within 90 days of receiving the card.

You have the provision of redeeming the reward points for airline miles from Jet Airways to Singapore Airlines.

When you spend Rs. 50,000 in a month, you stand a chance to win a movie ticket worth Rs. 500.

You get to avail 3X rewards when you spend on dining, telecom, and hotels in the initial 12 months.

Every month you get to avail fuel surcharge waiver of 2.5% or Rs. 250.

Central Bank of India Titanium Credit Card

Central Bank of India Titanium credit card offers wide range of benefits and exclusive offers. You get to enjoy the best rewards and various other attractive offers.

Pros –

As a cardholder, you will enjoy access to SMS alerts to all the payments, seasonal offers, reminders, and transactions.

You get to earn 1 point for every Rs. 100 spent.

You also have easy access to cash withdrawal facility at chosen ATMs across the nation.

All the accumulated points can be redeemed for movie tickets, mobile recharges, air tickets, and other merchandise.

You are also offered complimentary airport lounge access at chosen airports across India.

You don’t need to worry about paying any annual fee.

There is 55 days credit free period offered to the cardholders.

IndusInd Bank WorldMiles Credit Card

Probably, one of the best travel credit cards. Whenever you travel, you actually get to make points and double your points together with exclusive privileges.

Pros –

You get to enjoy an easy access to more than 600 lounges around the world.

One of the best things is that you get a credit card with 22 karat gold engraved on the card.

You also get to avail concierge services such as hotel reservations, flight booking, sports and entertainment bookings.

Premium services can be availed in dining, lifestyle, and travelling.

When you buy one ticket, you will receive one free ticket from Bookmyshow.com along with a maximum cap of Rs. 500 per month.

You get to earn miles when you pay through your IndusInd Worldmiles credit card.

There is no annual fee.

ICICI Instant Platinum Credit Card

The best thing about this credit card is that it suits all categories of people. Even if you have a bad credit, you can have this card against a fixed deposit.

Pros –

You enjoy a discount of Rs. 100 for up to 2 movie tickets every month.

You get to enjoy 2.5% fuel surcharge waiver whenever you make a fuel transaction of Rs. 4,000 at HPCL pumps.

You are offered 2 payback points for every Rs. 100 spent on the purchases, except fuel.

As a cardholder, you enjoy card replacement and global emergency assistance facilities.

As per card’s Culinary Treats program, you get to enjoy 15% savings on dining at more than 800 restaurants.

There is no annual fee.

PNB Global Classic Credit Card

This credit card is perfect for shopping, fuel purchasing, dining, transport reservations. This is a multi-purpose credit card and you can use this to earn reward points that you can redeem later for gifts.

Pros –

As a cardholder, you are offered interest free period of 20-50 days.

You don’t need to pay an annual fee.

You get to earn two points for every Rs. 100 spent using your credit card.

You are provided with an option of getting your photo printed on the credit card.

When you have accumulated up to 500 points, you can redeem them for attractive gifts.

There is fuel surcharge waiver for transactions up to Rs. 400 to Rs. 3,000.

Canara Bank Global Gold Card

The card is especially for the rich and famous. The card offers wide array of benefits to the cardholders such as – fuel surcharge waivers, cash advances, complimentary insurance, and revolving credit.

Pros –

There is no annual fee for this credit card.

There is a provision for add-on cards for the family members over 18 years of age.

There is a 2.5% fuel surcharge waiver for transactions of Rs. 400 and above.

Complimentary insurance against lost baggage of up to Rs. 50,000 is offered.

You get to collect reward points for all the transactions made on the credit card. You also get to earn two points for every Rs. 100 spent.

There is air accidental death insurance of Rs. 8 Lacs for you and Rs. 4 Lacs for your spouse. In case of death due to any other reason, insurance cover of Rs. 4 Lac for you and Rs. 2 Lacs for your spouse.

Dhanlaxmi Bank Platinum Credit Card

If you love shopping, then you need to have this credit card. The card comes with lots of benefits such as – cashback and reward points. This card gives you an access to ‘emPower’ which helps in easy management of your expenses.

Pros –

No joining fee.

When you spend at theatres, departmental stores, and supermarkets, you will be offered 5% cashback.

You are offered a complimentary insurance coverage for Rs. 35 Lac for air accidents and in case of death and permanent disability, you will get Rs. 2 Lac.