In 2025, many Indian banks are offering lifetime free credit cards that come with zero annual fees and attractive benefits. Whether you’re into online shopping, travel, dining, or just starting your credit journey, there’s a zero annual fee credit card tailored for your lifestyle. Here’s a carefully curated list of the best no annual fee credit cards you shouldn’t miss this year.
1. Amazon Pay ICICI Bank Credit Card
- Best For: Frequent Amazon shoppers
- Key Benefits:
- 5% cashback on Amazon.in for Prime members
- 3% cashback for non-Prime members
- 2% cashback on 100+ Amazon Pay partner merchants
- 1% cashback on all other spends
- Get a 1% waiver on fuel surcharge at fuel stations nationwide
- No joining or annual fees
- Why Choose It: Ideal for loyal Amazon customers looking to earn consistent cashback on daily purchases with no hidden costs.
2. Fibe Axis Bank RuPay Credit Card
- Ideal for: Digital purchases related to food delivery, entertainment platforms, and daily travel expenses
- Key Benefits:
- 3% cashback on select online categories
- 1% cashback on all other spends, including UPI
- 4 complimentary domestic lounge visits annually
- Discounts on Goibibo, MakeMyTrip, Swiggy, Amazon Fresh
- 1% fuel surcharge waiver (up to ₹400/month)
- Lifetime free
- Why Choose It: Perfect for the digitally active generation who value convenience, cashback, and lifestyle perks.
3. Federal Bank Scapia Credit Card
- Best For: Travel enthusiasts
- Key Benefits:
- Earn 20% Scapia Coins on all travel bookings made through the Scapia app
- 10% Scapia Coins on other online/offline spends
- Zero forex markup fee
- Enjoy unlimited access to domestic airport lounges by spending ₹5,000 or more each month
- Lifetime free
- Why Choose It: Designed for travel lovers seeking high rewards and lounge access with no foreign transaction charges.
4. IDFC FIRST Wealth Credit Card
- Best For: High spenders seeking premium benefits
- Key Benefits:
- Earn 10 times the reward points when your monthly spending crosses ₹20,000
- Get 3 times the reward points on total spending up to ₹20,000 each month
- Complimentary access to domestic and international lounges
- 1.5% low forex markup fee
- Lifetime free
- Why Choose It: A premium card for users with higher spending patterns who want luxury benefits without the annual fee.
5. HSBC Visa Platinum Credit Card
- Best For: Reward points and milestone benefits
- Key Benefits:
- 2 reward points per ₹150 spent
- 5X rewards on reaching ₹4 lakh annual milestone
- Welcome offers including Amazon and Swiggy vouchers
- Lifetime free
- Why Choose It: Great for first-time credit card users looking to build credit and enjoy bonus rewards with milestone spends.
Also read: How to Get a Virtual Credit Card in Minutes – No Hassle, No Waiting!
6. OneCard
- Best For: All-round spending
- Key Benefits:
- 5X reward points on top two monthly spending categories
- 1 reward point per ₹50 spent on all others
- 1% forex markup fee
- Lifetime free
- Why Choose It: A modern and versatile card that auto-adjusts to your spending habits and gives you enhanced rewards accordingly.
7. IndusInd Legend Credit Card
- Best For: Weekend spends and travel
- Key Benefits:
- Up to 2 reward points per ₹100 on weekend spends
- Complimentary domestic lounge access quarterly
- 1.8% forex markup fee
- Lifetime free
- Why Choose It: Designed for users who spend more during weekends or travel often, offering rewards and access privileges.
8. EazyDiner IndusInd Bank Platinum Credit Card
- Best For: Dining enthusiasts
- Key Benefits:
- Up to 50% discount at 2,000+ restaurants
- 2 reward points per ₹100 spent
- Redeem points directly against dining bills
- Lifetime free
- Why Choose It: Best suited for foodies who love dining out and want significant savings at partner restaurants.
9. Axis Bank My Zone Credit Card
- Best For: Dining and entertainment
- Key Benefits:
- Discounts on food delivery via Swiggy
- ‘Buy One Get One’ offers on select entertainment platforms
- Lifetime free under a limited-time offer
- Why Choose It: A must-have for those who regularly enjoy takeout or entertainment subscriptions.
10. Axis Bank Neo Credit Card
- Best For: Value through merchant partnerships
- Key Benefits:
- Deals with popular partners like Zomato, Amazon Pay
- Reward points on multiple categories
- Lifetime free under a limited-time offer
- Why Choose It: Ideal for users who want everyday savings through exclusive brand collaborations.
When it comes to choosing a zero annual fee credit card in 2025, it’s all about understanding your spending behavior and matching it with the right perks. Whether you’re a frequent online shopper, a travel enthusiast, or someone who enjoys dining and entertainment, there’s a card out there with no annual fee and maximum value. These cards not only help you save money but also build your credit history with smart usage. Start by evaluating your lifestyle needs and go for the one that offers the best mix of benefits without any annual charges.
Written by Pydimarri Hema Harshini
