Best Credit Cards With No Annual Fee in India for Students for Fair and Bad Credit Score: Are you looking for the Best Credit Cards with No Annual Fee? you are in the right place.
When we have cash, the safest rescue can be through credit cards. Moreover, if you have a credit card in your wallet, it gives you the power to go hustle-free shopping. At the time of choosing credit cards, the focus remains on the annual fees.
However, there are so many credit cards available that charge zero yearly fees.
Consider top banks like Axis Bank, ICICI Bank, and others that offer these types of credit cards to their customers.
Credit cards with zero annual fees decrease the cost of cardholders every year.
In addition, Several shoppers are applying for these cards.
These credit cards with no annual fee do not create any problems and help you from the nuisance associated with annual fees and joining fees. Other than that, these cards also offer some fantastic rewards when you purchase some products through them.
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Top 8 Best Credit Cards With No Annual Fee in India for Students of Fair and Bad Credit Score
Before starting the no annual fee credit cards list keep in mind. Although these cards have no yearly cost, it doesn’t mean cards are free and anyone can pursue them. Besides that, such credit cards also take a minimum amount from customers as per the government rules.
All that means before selecting a credit card make sure you know well about them.
ICICI Instant Platinum Credit Card
The ICICI Instant Platinum Card is a popular credit card that works well for users in India. Undoubtedly, It comes with no annual fee.
Furthermore, Bank provides this credit card after a deposit in a savings account. In addition, this Card also offers an advantage of Global Emergency Assistance. Moreover, the Card replacement service includes by the bank with this credit card.
Welcome offer
Get Rs—100 discount after booking two movie tickets through BookMyShow.
- Features
- It has Chip and Pin that provides extra security against duplication of the Card
- Get Rs. 100 discount if you book movie tickets through BookMyShow every month. However, this discount only provides twice a month
- A discount of 15% on dining at 800+ restaurants across the Indian cities can be avail through ICICI’s premier dining program Culinary Treats
- At HPCL petrol pumps, you can get a 1% fuel surcharge waiver on transactions of Rs. 4,000
- Avail of great deals with VISA on wine for any lifestyle store, luxury hotels, restaurants, spas, and more
- The Card has a meager interest rate of 2.49%/month. However, The bank will not charge any interest if you make full payment against outstanding
Renewal fee
The annual fee and the joining Fee for ICICI Bank Instant Platinum Credit Card are zero.
Eligibility to apply for the Card:
You need to open a Fixed Deposit in ICICI Bank with your name to get this credit card.
Besides that, the minimum amount in your Fixed Deposit account should be Rs. 20,000.
Instead, you can collect the Credit Card from any branch of ICICI Bank either you can visit their website.
Lastly, the minimum age required to get a card is 21 years with Rs—20,000 minimum monthly income.
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HSBC Visa Platinum Credit Card
This Card has zero annual fees and gives users a chance to earn more cashback. Firstly, you get 10% cashback on shopping for the first two months. Other than that, obtain 5X reward points when you spend between Rs. 4 Lakhs to Rs. 10 Lakhs. 3X reward points when you pay on hotels, dining, and telecom for one year. “Best Credit Cards With No Annual Fee in India for Students for Fair and Bad Credit Score”
Features & benefits:
- Get a waiver on the fuel surcharge for transactions between Rs. 400 to Rs. 4,000 at any petrol pump all over India
- Get attractive discounts on restaurants, movies, flights, etc
- Get Rs. 500 worth BookMyShow voucher if you spend Rs. Fifty thousand or more in one month
- Experience pleasant dining with up to 15% discount at over 1,000 partner restaurants in major cities
- Lastly, get hustle free insurance policy against the loss of your credit card
Renewal fee
Undoubtedly, This Card has zero annual Fee and a Joining Fee.
Eligibility to apply for the Card:
Age should be at least 18 years and have a minimum annual income of Rs. 4 Lakhs.
Citibank Rewards Domestic Credit Card
It comes under one of the best Lifetime Free Credit Cards in India.
Indeed, this Card provides almost everything, including the best offers on online shopping, manageable payment plans, loan, etc.
In addition, users get numerous reward Points every time while swiping the Card.
Moreover, those rewards covert easily for attractive air miles, travel options, premium merchandise, cashback, and much more.
Features
- Offers on Dining, Shopping, Movies, Movies, & EMI
- Reward Points accumulated, and it never expires
- Personal Concierge Services
- 15% discount on dining
- You can pick the easy EMI option
Renewal fee:
The Annual Fee is zero
Eligibility to apply for the Card:
Indian residential
The minimum age is 21 years
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SBI Unnati Best Credit Cards With No Annual Fee
SBI Unnati is one of the best zero-fee Credit Cards SBI Cards.
Most importantly, the annual Fee of this Credit Card is zero and has been waived off for the first four years of the card issuance.
In addition, consumers earn reward points against their spending. Moreover, these points store and count later to see if you achieve any annual milestone. Hence, users get more rewards for their spending.
Lastly, this credit card will add value to customer’s everyday spends for groceries, fuel, shopping, etc.
Features & benefits:
- SBI Card Unnati is a free credit card. It is for four years. It doesn’t need to pay any fee to get this Credit Card
- Earn 1 Reward Point per Rupees 100 spent
- You are entitled to a 1% petrol surcharge waiver with SBI Unnati Card for each transaction of Rs 500 to Rs 3000
- The Card is a contactless technology that makes it a safe card for day-to-day spends.
- Anyone can use a feature called Add On Credit Cards for your family members
- You can pay utility bills, Transfer on EMI, opt for Balance, Flexipay, Easy Money, etc
Renewal fee:
Zero Annual Fee
Eligibility to apply for the Card:
SBI Unnati Credit Card is a Secured Credit Card.
ICICI Amazon Pay Credit Card
ICICI bank is providing it within a partnership with Visa and Amazon.
Indeed, The Amazon Pay ICICI Bank Credit Card allows customers to shop unconditionally. It means shop Online on Amazon and earns attractive rewards.
Besides that, you get paid back on each of your transactions.
Most importantly, It is a lifetime free credit card as no annual or joining fee is applicable on the Card.
Consider it a renewal free credit Card, made explicitly for Marketing who love to shop online.
Features & benefits:
- Zero annual feesFee and joining fee
- There is no limit to shopping from the Card
- Earnings have no expiry date
- Save 15% on dining bills at 2,500+ partner restaurants all over the world
- Payments automatically convert to Amazon Pay Balance on completing each billing cycle of the Credit Card
- Lastly, It is a contactless card
Renewal fee
Zero annual fees and joining fee
Eligibility to apply for the Card:
The minimum age will be no more than 18 years.
Lastly, The link can get from an online invite.
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Kotak Royale Signature Credit Card
Kotak Royale Signature Credit Card is of its kind card for frequent travelers. Lastly, the card comes at a zero joining fee, and the renewal fee can waive off on achieving milestones.
Features & benefits:
- In case of loss of Credit Card, the bank will give you Rs. 2,50,000 as a cover
- Railway surcharge waiver of Rs. 500 in the calendar for transactions on its website
- Add-on Card will be the same benefits
- The accumulated reward points are using; You can redeem mobile recharge, 10,000 merchandise, against a host of redemption options, air tickets, and so on, through easy rewards with easy points
Renewal fee:
This Card comes with zero annual or joining fee.
Eligibility to apply for the Card:
The age of the Credit Cardholder should be between 21 years and 65 years.
Besides that, the minimum period of the Add-on Cardholder should be 18 years or above.
However, The Card is available in various cities such as Delhi, Chandigarh, Hyderabad, Kolkata, Chennai, Gurgaon, Noida, Ahmedabad, Bangalore, Mumbai, and Pune.
Lastly, The annual income of the holders should be a minimum of Rs. 24 Lakhs or above and must be an Indian resident.
Axis Bank Insta Easy Credit Card
The Axis Bank Insta Easy Credit Card can get a little bit of documentation and guaranteed approval.
Most importantly, this credit card is a chip and pin enabled Card.
Moreover, it issues against Fixed Deposit (FD) with Axis Bank. Lastly, the Card comes with, fuel surcharge waiver, discounted dining bills. “Best Credit Cards With No Annual Fee in India for Students of Fair and Bad Credit Score”
Features & benefits:
- You can withdraw a total amount of credit limit
- Get a card with a credit limit of up to the 80% of the fixed deposit’s value
- Fuel surcharge waiver of 1% during fuel transactions but transactions between Rs. 400 to Rs. 4,000
- Bank provides a free credit period for 50 days
- Guaranteed approval of the credit card application
- Global emergency assistance
Renewal fee:
The Card comes with a zero joining fee and an annual fee
Eligibility to apply for the Card
Firstly, Customers must have a Fixed Deposit at any branch
Secondly, Minors cannot apply to the Card
Thirdly, Customers must have 18;+ age
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Indian oil Citibank Platinum Credit Card
This Card is handy for the people who own their car as the card offers. Besides that, there are multiple benefits of Indian Oil transactions.
Most importantly, It has advantages like fuel surcharge waiver, free fuel, turbo points, etc.
In addition, this card comes with zero joining and an Annual Fee.
Features & benefits
- Firstly, Free fuel which is worth 71 liters annually
- Offer of over 5% on power at all Indian oil outlets
- Fuel surcharge reversal of 1%
- You can pay all the utility bills online with Bill Pay
- Lastly, Buy products, including mobiles, cameras, LCDs, etc., using your Card and pay in EMIs
Renewal fee:
The Card comes with a zero joining fee
Eligibility to apply
Age of the customer has spent so much time. must be a minimum of 21 years and a maximum of 60 years
And applicant residential background must be Indian
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Conclusion (Best Credit Cards With No Annual Fee)
So these are the top 8 list of Best Credit Cards With No Annual Fee in India for Students of Fair and Bad Credit Score. Remember, not every credit is suitable for everyone. Some credit cards require minimum monthly income. On the other hand, few cards demand an excellent credit score. However, all our listed bank services give numerous deals, offers & cashback against your spending.