Best Credit Cards with No Annual Fee and Easy Approvals in India (2025)
Hi friends Finding a credit card in India with no annual fee and hassle-free approval can be a game-changer for managing your finances.
Whether you’re a first-time credit card user or looking for a secondary card with minimal cost, these no-annual-fee credit cards offer great rewards and perks. Here’s a list of the best no-annual-fee credit cards in India that are easy to apply for.
1. SBI SimplySAVE Credit Card
Key Features:
• Zero annual fee if annual spending exceeds ₹1 lakh.
• Earn 10X rewards on dining, groceries, movies, and department store purchases.
• Fuel surcharge waiver of 1% for transactions between ₹500 and ₹3,000.
Approval Criteria:
• Ideal for individuals with a stable income and a credit score of 700+.
• Simple online application process with minimal documentation.
Apply Here: SBI SimplySAVE Credit Card Application
2. ICICI Amazon Pay Credit Card
Key Features:
• No joining or annual fee.
• Earn 5% cashback on Amazon purchases (Prime members) and 3% cashback for non-Prime members.
• 2% cashback on partner merchants and 1% on all other spends.
Approval Criteria:
• Easy approval for salaried or self-employed individuals with a credit score of 650+.
• Instant approval for pre-approved ICICI Bank customers.
Apply Here: ICICI Amazon Pay Credit Card Application
3. Axis Bank ACE Credit Card
Key Features:
• No annual fee (if monthly spends exceed ₹15,000).
• 5% cashback on bill payments and mobile recharges via Google Pay.
• Unlimited 2% cashback on all other spends.
Approval Criteria:
• Suitable for applicants with a credit score of 700+ and a consistent repayment history.
• Quick approval process for Axis Bank account holders.
Apply Here: Axis Bank ACE Credit Card Application
4. HDFC Bank MoneyBack Credit Card
Key Features:
• Annual fee waived on spending ₹50,000 annually.
• Earn 2X reward points on online shopping and 1 reward point on every ₹150 spent.
• Reward points can be redeemed as cashback.
Approval Criteria:
• Open to salaried and self-employed individuals with a credit score of 700+.
• Instant approval for existing HDFC Bank customers.
Apply Here: HDFC MoneyBack Credit Card Application
5. Flipkart Axis Bank Credit Card
Key Features:
• No joining or annual fee.
• 5% unlimited cashback on Flipkart and Myntra purchases.
• 4% cashback on preferred merchants like Swiggy, Uber, and PVR.
Approval Criteria:
• Easily approved for individuals with a stable income and credit score above 680.
• Pre-approved for selected Axis Bank customers.
Apply Here: Flipkart Axis Bank Credit Card Application
How to Choose the Right No-Annual-Fee Credit Card
• Evaluate Your Spending Habits: If you shop online or use specific platforms like Amazon or Flipkart, cards offering cashback on those platforms are ideal.
• Check Eligibility: Go for cards that match your income and credit score to improve your chances of approval.
• Look for Reward Programs: Focus on cards that give high rewards on categories like fuel, dining, or groceries.
With these cards, you can enjoy the perks of having a credit card without worrying about annual fees. Start applying today and make the most of your financial journey!
Pro Tip: Always check the terms and conditions before applying to ensure the card suits your financial needs.
Best Credit Cards in India
• SBI SimplySAVE Credit Card
• HDFC Regalia Credit Card
• ICICI Amazon Pay Card
• Axis Bank ACE Credit Card
• Standard Chartered Super Value Titanium
• HDFC Millennia Credit Card
• Axis Bank Magnus Credit Card
• SBI Card ELITE
• Citi PremierMiles Card
• ICICI Coral Credit Card
• HDFC Regalia Credit Card
• Axis Bank Magnus Credit Card
• SBI Card PRIME
• American Express Platinum Travel Credit Card
• Citi PremierMiles Card
Best Credit Cards for Students
• ICICI Instant Platinum Card
• HDFC Bank ISIC Student ForexPlus Card
• Axis Bank Insta Easy Credit Card
• SBI Student Plus Advantage Card
Best Credit Cards for Beginners
• ICICI Amazon Pay Credit Card
• HDFC MoneyBack Credit Card
• Axis Bank ACE Credit Card
• SBI SimplyClick Credit Card
Best Credit Cards for Lounge Access
• HDFC Regalia Credit Card
• Axis Bank Vistara Signature Card
• SBI Card PRIME
• American Express Platinum Card
Best Credit Cards with No Annual Fee
• ICICI Amazon Pay Credit Card
• Axis Bank ACE Credit Card
• SBI SimplyClick Credit Card
• Flipkart Axis Bank Credit Card
Best Credit Cards for International Travel
• HDFC Infinia Credit Card
• Axis Bank Miles & More Credit Card
• American Express Platinum Travel Card
• Citi PremierMiles Credit Card
HDFC Best Credit Cards
• HDFC Regalia Credit Card
• HDFC Infinia Credit Card
• HDFC Millennia Credit Card
• HDFC MoneyBack Credit Card
Let me know if you’d like detailed descriptions or links for any specific category!
Frequently asked questions
Best Credit Cards with No Annual Fee and Easy Approvals in India
1. What is a no-annual-fee credit card?
A no-annual-fee credit card is one that doesn’t charge you a yearly maintenance fee, making it a cost-effective option for budget-conscious users.
2. What are the benefits of a no-annual-fee credit card?
• No yearly fee, so you save money.
• Access to rewards, cashback, and offers.
• Great for building credit without recurring expenses.
• Ideal as a secondary credit card for occasional use.
3. What credit score is required for easy approvals?
Most no-annual-fee credit cards require a credit score of 650-750 or higher. However, some cards, like entry-level options, may approve applicants with lower scores or limited credit history.
4. Can I apply for a no-annual-fee credit card without income proof?
Some banks allow pre-approved customers (existing savings account holders) to apply without income proof. However, most applications require proof of income to ensure eligibility.
5. Are there hidden charges with no-annual-fee credit cards?
No-annual-fee cards typically don’t charge a yearly fee, but you may incur:
• Late payment fees.
• Cash withdrawal charges.
• Foreign transaction fees.
• Interest on unpaid balances.
Always read the terms and conditions to avoid surprises.
6. Which no-annual-fee credit card is best for online shopping?
• ICICI Amazon Pay Credit Card: Best for Amazon users.
• Flipkart Axis Bank Credit Card: Best for Flipkart and Myntra shoppers.
7. Can I upgrade a no-annual-fee card later?
Yes, banks often allow you to upgrade your no-annual-fee card to premium cards as your income or credit score improves. You may then get access to higher credit limits and additional benefits.
8. What documents are needed to apply for a credit card?
• Identity Proof: Aadhaar, PAN Card, Passport, etc.
• Address Proof: Utility bills, Aadhaar, Voter ID.
• Income Proof: Salary slips, bank statements, or ITR.
9. How can I improve my chances of getting approved?
• Check your credit score before applying.
• Choose a card that matches your income and spending habits.
• Opt for pre-approved offers if available.
10. Are no-annual-fee cards suitable for beginners?
Yes, these cards are ideal for first-time users as they are low-risk and help build a credit history. Options like the HDFC MoneyBack Credit Card or SBI SimplySAVE Credit Card are great for starters.
11. Can I get cashback and rewards on no-annual-fee cards?
Yes, many no-annual-fee cards offer cashback, rewards, and discounts. For example:
• Amazon Pay ICICI Card: Cashback on Amazon and partner merchants.
• Axis Bank ACE Card: Flat cashback on all purchases.
12. Are these credit cards secure for online transactions?
Yes, most cards are equipped with advanced security features like OTP verification, 3D secure payments, and fraud protection to ensure safe online transactions.
If you have further questions, feel free to ask before applying for your ideal card!
Disclaimer: Links provided are for reference purposes. Ensure you verify eligibility criteria before applying.