Nobody likes paying extra, especially when it comes to credit cards. That’s where a zero-fee credit card comes in. A free credit card offers all the benefits of a traditional card without the added costs, including:
- No annual fee
- No joining fee
- No hidden charges
Whether you’re interested in earning rewards or enjoying cashback, a zero-fee credit card makes spending simpler and more affordable. It’s a hassle-free way to maintain financial flexibility while keeping more money in your pocket. If you’re looking to save on fees, a zero-fee credit card could be a game-changer.
What Are Zero-Fee Credit Cards?
Zero-fee credit cards allow you to enjoy the benefits of a credit card without the burden of an annual or joining fee. They come with rewards, cashback, and other perks, making them a smart and cost-effective choice. Zero-fee credit cards help:
- Eliminate annual or joining fees, saving you money
- Earn cashback and rewards on your everyday purchases
- Save money with no hidden charges or costly fees
- Enjoy advanced security features like fraud protection and real-time alerts
- Simplify the application process with quick and easy approval
- Build your credit score with responsible card usage
- Access category-specific perks, such as bonus rewards on travel or groceries
Top Zero-Fee Credit Cards
They provide benefits like cashback, rewards, and travel perks on everyday expenses. Listed below are some of the best zero-fee credit cards in India:
1. One Credit Card
This premium, metal co-branded credit card comes with no joining or annual fee and is issued in partnership with multiple banks. Some of its standout features include:
- Enhanced Security and Control: Manage transactions, set spending limits, and freeze your card all via the app
- Rewards Program: Earn valuable reward points through a high-value program
- EMI & Interest-Free Period: Convert purchases into easy EMIs and enjoy interest-free days
- Contactless Payments: Enjoy seamless transactions with tap-to-pay and swipe-to-pay options
2. HSBC Visa Platinum Credit Card
This card offers attractive lifestyle privileges and travel benefits with zero joining or annual fees. Some of its key features include:
- Welcome Offer: Receive a ₹100 Amazon gift voucher when applying online
- Fuel Savings: Save up to ₹3,000 annually on fuel surcharge fees
- Flight Miles: Convert reward points into airline miles with multiple carriers
- Reward Points: Earn 2 reward points for every ₹150 spent
3. ICICI Bank Platinum Chip Credit Card
A secure, no-frills credit card that provides excellent value with zero annual fees from the second year onward. Key features include:
- Rewards: Get 2 reward points for spending every ₹100 at retail stores
- Fuel Benefits: Enjoy a 1% fuel surcharge waiver (up to ₹4,000) at HPCL fuel stations
- Security: Ensures enhanced fraud protection as it’s a chip-based card
- Additional Perks: Provides access to exclusive offers and discounts on shopping and dining
4. Amazon Pay ICICI Bank Credit Card
An excellent card for Amazon shoppers, offering unlimited cashback benefits. Key features include:
- Perks for Amazon Prime Members: Earn 5% cashback on Amazon India purchases
- Perks for Non-Prime Members: Earn 3% cashback on Amazon India purchases
- Cashback on Bill Payments: Enjoy 2% cashback when paying a bill on Amazon Pay
- No Expiry on Rewards: Cashback earned has no limit or expiry date, so you can redeem it at your convenience
5. IDFC First Select Credit Card
A lifestyle credit card offering rewards and travel benefits with no joining fee. Key features include:
- Airport Lounge Access: Enjoy free domestic lounge visits for a more comfortable travel experience
- Cashback: Get up to ₹1,000 cashback on your first EMI
- Movie Offers: Enjoy buy one, get one free movie tickets on Paytm
- Reward Points: Earn up to 10X reward points and get 100% cashback on your first four transactions
Choosing the best zero-fee credit cards depends on your spending habits and financial needs. If you’re looking for a card that offers premium benefits without any yearly charges, the One Credit Card can be a great choice. It comes with:
- Zero joining and annual fees
- 5X rewards on your top spending categories
- Instant approval with a digital process
- Smart EMI options for flexible payments
- Convenient card management through its credit card online app – the OneCard App
The One Credit Card is not just about savings; it also helps you build a strong credit profile. With the powerful OneCard App, you can easily manage payments, track expenses in real time, and set monthly budgets to stay on top of your finances. Apply now to get this lifetime-free credit card and experience the benefits firsthand.