NO-FEE CREDIT CARDS
Best No Annual Fee Credit Cards of July 2026
By CreditGully Editors · Updated July 15, 2026
Why pay to own a credit card? Our top no-annual-fee picks give you great rewards and features without any yearly cost. Perfect as a secondary card or your first credit card.
Some cards on this page are linked to affiliate programmes managed through Cuelinks. Our rankings are based on independent editorial assessment and are not influenced by commercial relationships. Cards are also featured where no affiliate arrangement exists. Card details are subject to change — always verify current terms directly with the issuing bank.
Everyday Amazon shopping
1% – 5%
Nil
ICICI Coral Credit Card
ICICI Bank
Occasional domestic travel and movie discounts
0.5% – 6%
₹500
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
Lifetime-free premium rewards
0.375% – 9.5%
Nil
Axis Neo Credit Card
Axis Bank
Bonus: 100% cashback up to ₹300
Online shopping and food
100% cashback up to ₹300
0.1% – 9.54%
₹250
IDFC FIRST WOW! Credit Card
IDFC FIRST Bank
Bonus: 5% cashback on first EMI
Building credit with zero forex
5% cashback on first EMI
0.5%
Nil
Kotak Zen Signature Credit Card
Kotak Mahindra Bank
Bonus: 1,500 Zen Points
Apparel and lifestyle shopping
1,500 Zen Points
0.83% – 3.13%
₹1,500
Adani One ICICI Platinum Credit Card
ICICI Bank
Bonus: ₹2,000 flight ticket voucher + ₹1,000 hotel voucher
Budget airport privileges
₹2,000 flight ticket voucher + ₹1,000 hotel voucher
1% – 3%
₹750
HDFC Freedom Credit Card
HDFC Bank
Bonus: 500 Reward Points
First-time cardholders and everyday apps
500 Reward Points
0.15% – 1.5%
₹500
IDFC FIRST Power+ Credit Card
IDFC FIRST Bank
Bonus: Welcome benefits worth ₹2,500
Fuel and UPI rewards
Welcome benefits worth ₹2,500
0.5% – 8.83%
₹499
ICICI HPCL Super Saver Credit Card
ICICI Bank
Bonus: 2,000 reward points
Fuel and roadside assistance
2,000 reward points
0.5% – 5%
₹500
Editorial Disclaimer: Opinions expressed here are the CreditGully editorial team's alone and have not been reviewed or approved by any card issuer. Compensation may impact which cards appear and how, but does not affect our editorial integrity or ratings.