Credit cards have become common today with more people using these cards for online and offline purchases. There are various benefits of using credit cards. You do not have to carry wads of cash in your pocket, as credit cards make your purchases convenient. With improving technology, using credit cards has become safe. Banks are also vigorously marketing credit cards to popularise them by coming up with various exciting offers to encourage people to use less cash. One such popularity measure is the offering of lifetime free credit cards. We shall now discuss the top five credit cards in India that come with zero annual fees.

1. ICICI Instant Platinum Credit Card

ICICI Bank is a premier private sector bank in India. They offer a variety of products of which credit cards are trendy. ICICI Bank has different types of credit cards depending on the target audience and the facilities that come with it. One such product is the ICICI Bank Instant Platinum Credit Card. Here are the features of this card.

a) The latest technology that allows contactless payments
b) Reward points on every purchase and redeem them for cash
c) Book tickets on and get discounts for two tickets up to Rs 100
d) 15% discount on your dinner bill at over 2600 restaurants
e) No annual fees as it is a free lifetime credit card

2. Standard Chartered Priority Visa Infinite Credit Card

Standard Chartered Bank is a prominent multinational bank offering high-quality services in India. They offer a lifetime free credit card for their Priority Banking Customers. Apart from providing a free credit card with no annual fees, the card provides a range of personalized services such as,

a) A maximum of four complementary domestic airport lounge access every quarter
b) Priority Pass membership to get access to over a thousand airport lounges all over the world
c) Get exciting discounts on dining, shopping, and travel
d) Accidental insurance cover of INR 1.20 Crores

3. Citibank Rewards Domestic Credit Card

Citibank Rewards Domestic Credit Cards offer some of the best benefits in India. You get the advantage of rewards points on every payment you make using the card. Besides, you also get a 15% discount at partner restaurants. You also become eligible to get fantastic offers on online shopping portals. Here are some more features of this credit card.

a) Introductory offers of 1000 bonus points on spending INR 1000 within the first sixty days of issuance
b) No annual fees
c) Get EMI Options at 2000 mobile phone outlets and leading retail chains

The highlight of this credit card is that the reward points earned through Citibank Rewards Domestic Credit Card never expires. You can use them indefinitely. Hence, this credit card is one of the best credit cards available in India.

4. HSBC Visa Platinum Credit Card

HSBC is another leading multinational banking company offering the best credit cards in India. This Visa Platinum Credit card is ideal for availing cashback offers. Apart from being a free credit card for life, it comes with exciting other benefits for its users.

a) The initial 90 days after its issuance is a golden period, as you get 10% cashback on every purchase.
b) If you spend between INR 4 to 10 lakhs on this card, your reward points multiply five times over. Besides, you get three times your rewards points for one year on each spends at select dining locations.
c) Cinema lovers can book a ticket through and get a complimentary ticket.
d) This card also makes you eligible to get a waiver on fuel surcharges.

Redeeming rewards earned through this card is easy as well.

5. IndusInd Bank WorldMiles Credit Card

Persons who love to travel a lot can apply for the IndusInd Bank WorldMiles Credit Card to get exciting benefits such as flight miles on every ticket booked through this card on domestic and international flights. Besides, you earn Spend miles for spending every Rs 100 on movies, dining, and so on. There is an automatic transfer of your Spend Miles points every month to the World Miles account. You can redeem these WorldMiles for purchasing free air tickets of all airlines in India without having to pay hidden taxes.
IndusInd Bank WorldMiles credit card is the ideal card for frequent flyers.

Points to note

You get different types of credit cards in the market. We have discussed five credit cards that do not charge any issuance and renewal fees throughout your lifetime. However, it is essential to maintain a clean repayment record by paying the credit card bills in full every month. Paying your credit card bills on time enables you to build up an excellent credit record. Achieving a good credit rating makes you eligible for different kinds of loans and other credit facilities from banks.

Author's Bio: 

Hi, I am Amit Gupta, an online marketer and blogger at