Many Indians prefer credit cards that offer rewards and convenience without paying yearly charges. Zero annual fee credit cards are ideal for beginners, students, professionals and anyone who wants a free credit card with useful benefits.

In 2026, banks and fintech companies in India offer several lifetime free credit cards with cashback, reward points and digital features. This updated list helps you choose the best zero annual fee credit card in India based on your spending habits and lifestyle.

1. IDFC FIRST Millennia Credit Card

Why this card is good
• Zero joining fee
• Zero annual fee
• Reward points on all spends
• Free ATM cash withdrawal interest for 48 days
• Good for online shopping and daily payments

Best for: Salaried employees and beginners.

See today’s offer & apply – https://clnk.in/xMLt

2. Amazon Pay ICICI Credit Card

Why this card is good
• Lifetime free
• High cashback on Amazon purchases
• One percent cashback on all other spends
• No hidden charges

Best for: Regular Amazon users and Prime members.

3. OneCard Metal Credit Card

Why this card is good
• Lifetime free
• Premium metal card design
• Full mobile control with the OneCard app
• Reward points across all categories

Best for: Digital users and tech focused customers.

4. HSBC Cashback Credit Card (Zero Fee for Online Applicants)

Why this card is good
• Zero annual fee for online applications
• Flat cashback on all purchases
• Fuel surcharge waiver
• Good international usage rates

Best for: Online shoppers and frequent travelers.

5. ICICI Platinum Chip Credit Card

Why this card is good
• Zero joining fee
• Zero annual fee
• Simple eligibility
• Cashback and reward points

Best for: Beginners and first time credit users.

6. Axis Bank My Zone Credit Card (Lifetime Free Offers)

Why this card is good
• Zero fee during promotional offers
• Entertainment and shopping benefits
• Buy one get one movie offer
• Lounge access during limited campaigns

Best for: Entertainment lovers and young users.

See today’s offer & apply – https://clnk.in/xMLj

7. Federal Bank Scapia Credit Card

Why this card is good
• Lifetime free
• Travel focused rewards
• Fast approval process
• Airport lounge access in selected campaigns

Best for: Travelers and frequent flyers.

See today’s offer & apply – https://clnk.in/xMLl

8. AU Bank Ixigo Credit Card

Why this card is good
• Lifetime free
• Ixigo cashback benefits
• Useful for flights and hotel bookings
• Travel related discounts

Best for: Online travel booking users.

See today’s offer & apply – https://clnk.in/xMLG

Comparison Table: Best Zero Annual Fee Credit Cards India 2026

Credit Card	Annual Fee	Best For	Key Benefits
IDFC FIRST Millennia	Zero	Salaried employees	Reward points, 48 day interest free cash withdrawal
Amazon Pay ICICI	Zero	Amazon users	High cashback on Amazon, one percent universal cashback
OneCard Metal	Zero	Digital users	Metal design, app control, reward points
HSBC Cashback	Zero (online)	Travelers and shoppers	Flat cashback, fuel waiver
ICICI Platinum Chip	Zero	Beginners	Simple eligibility, rewards
Axis Bank My Zone	Zero (promo)	Entertainment users	BOGO movies, shopping offers
Scapia Credit Card	Zero	Travel users	Travel rewards, fast approval
AU Ixigo Credit Card	Zero	Travel booking	Cashback on flights and hotels

How to Choose the Best Zero Annual Fee Credit Card

• Check your main spending categories
• Compare cashback and reward structures
• Review joining benefits
• Confirm the card is lifetime free
• Check for hidden charges like forex markup
• Select a card that fits your lifestyle

Conclusion

Zero annual fee credit cards are perfect for beginners and daily spending. They help build credit, offer cashback and rewards, and do not charge yearly fees. In 2026, the top lifetime free cards include IDFC FIRST Millennia, Amazon Pay ICICI, OneCard Metal, HSBC Cashback, ICICI Platinum Chip and emerging travel cards like Ixigo and Scapia.

Choose the card that matches your spending pattern and enjoy benefits without paying annual charges.