Zero annual fee credit card

Shopping and wiping your credit card goes hand in hand. But paying the annual fees is a headache at times. What is a Credit Card Annual Fee? – It is a fee that’s automatically charged once a year to our credit card account for the benefits that are given to us. Isn’t it a handful and a sense of disappointment when we realise that we need to pa a bit more than already in our credit? Have no worries, there are a number of credit cards that have zero annual fees! Yes, you read that right, there are credit cards that have zero annual fees.


Below are top 10 credit cards without any annual fees, go ahead and make your choice:


1. Standard Chartered Platinum Rewards Card


 There is no joining fee and annual fees

 Need salary to be more than INR 6 lakh per annum to be eligible to apply for this card

 For every INR 150 spent on fuel, we earn 5 rewards point.

 For every INR 150 spent at fine dining restaurants, we earn 5 rewards points

 For every INR 150 spent at hotels, we earn 5 rewards poits

 For every INR 150 spent in other categories, we earn 1 reward point

 If we transact within 60 days, we earn additional 1000 reward points

 20% cashback on Uber Rides





2. Kotak Royale Signature Credit Card


 The annual fee is NIL as well as the renewal fee

 The age should be between 21 and 65 years

 Theft cover for INR 2.5 Lakh is covered upto 7 days

 On every INR 150 spent, 15 times Reward Points

 A 2.5% Fuel Surcharge waiver across all petrol pumps in India






3. HSBC Visa Platinum Credit Card


 No annual fees

 20% discount at many selected restaurants in India

 For expenditure between INR 4 lakhs and INR 10 Lakhs, 5 times rewards point is given

 For expenditure on dining, hotels and telecoms, 3 times rewards points are awarded

 For expenditures more than INR 9,999 within first 90 days, 10% cashback is given with the maximum cashback of INR 3,000






4. HDFC MoneyBack Card


 No annual fees

 Best used for Shopping Online

 A fee waiver of one year is given if you spend more than INR 10,000 within 90 days of activation of the card

 On the first transaction of INR 1000 within first 45 days, INR 250 is paid back

 For every INR 150 spent, rewards of 2 points id given

 Earn 4 points at every online transaction

 Renewal charges are waived off on total expenses of INR 50,000






5. Induslnd Bank WorldMiles Credit Card


 Zero Annual Fees

 Best used for travels

 On routine purchases, we can earn upto 3 Spendmiles

 Air Accident insurance upto INR 25 Lakhs

 Lost baggage insurance upto INR 1 Lakh

 2.5% fuel surcharge waivers at any petrol pump






6. ICICI Instant Platinum Card


 ICICI offers this card against your fixed deposits in our savings account for first time users

 Zero annual fees

 Get INR 100 off twice a month on movie tickets

 For ever INR 100 spent, we get 3 payback point

 Card replacement facility available

 2.5% fuel surcharge waivers at any petrol pump with maximum INR 4000 at HPCL Pump






7. RBL Bank IGU NHS Golf World Credit Card


 Zero annual fees

 Best used for travels and Golfing

 Rs. 1,000 cashback on Rs. 1 lakh spend per year which reduces to Rs. 25,000 for senior citizens of age more than 65 years.

 For every INR 100 spent we get 2 reward points

 50% on green fee access

 Theft cover of INR 2 lakhs is covered for 4 days access to 11 premier Indian Golf Courses and unlimited golf lessons






8. Kotak Bank Fortune Gold Credit Card


 The annual fee is zero

 We get 4 free tickets for PVR

 INR 750 cashback on expenditure more than INR 1,50,000

 Cash withdrawal with zero interest

 Theft Cover of INR 50.000 is covered for upto 7 days






9. Citibank Rewards Domestic Credit Card


 With the most minimum annual fees of INR 1000

 Best used for shopping

 For INR 125 expenses made at Apparel and Department Stores, we earn 10 reward points

 For spending INR 125 elsewhere, we earn 1 reward point

 The annual fee is not applicable if we spend INR 30,000 or more in a year






10. SBI Simply Save


 The annual fees is only INR 499

 If we spend more than INR 75,000 in the first year, then first year fees will be waived off

 10 rewards points for spending on dining and movies

 10 rewards points for spending in grocery

 For transactions above INR 500, fuel surcharge








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