Did you know that you can enjoy the benefits of a cashback credit card without paying any annual fees? That’s right—there are several zero annual fee credit cards in the market that offer great rewards, including cashback, travel perks, and exclusive deals. If you’re looking to get the most value out of your credit card without the added expense of an annual fee, keep reading. We’ve compiled a list of the top 10 zero annual fee credit cards you need to apply for now!
In this blog, we’ll walk you through the best zero annual fee credit cards available in 2025, their benefits, and how you can make the most of them. Whether you’re a beginner or a seasoned credit card user, these cards are perfect for anyone looking to save money while earning rewards.
Why Choose Zero Annual Fee Credit Cards?
Before we dive into the top cards, let’s first discuss why zero annual fee credit cards are a great choice. With these cards, you get the benefits of cashback, rewards, and exclusive perks without having to worry about paying the yearly fee. Plus, these cards can help you build your credit score if used responsibly.
If you’re someone who spends a lot on online shopping, dining, or travel, a zero annual fee credit card can be a great option for you, especially if it offers cashback or rewards in these categories.
Top 10 Zero Annual Fee Credit Cards You Should Apply for Now
1. SBI Simply Save Credit Card
The SBI Simply Save Credit Card is a fantastic option for beginners looking to earn rewards on their purchases. It offers cashback on dining, groceries, and utility payments, making it one of the best credit cards for food delivery in India. Plus, there’s no annual fee, so you can maximize your savings without worrying about extra costs.
2. HDFC MoneyBack Credit Card
HDFC’s MoneyBack Credit Card is a perfect fit for those who want to earn cashback on their daily spends. This card offers credit card cashback offers on every purchase, including online shopping and fuel. With zero annual fee and great rewards, this is a must-have card for anyone looking to earn while spending.
3. Axis Bank Ace Credit Card
The Axis Bank Ace Credit Card stands out with its attractive cashback features. It offers cashback on bill payments, dining, and even online shopping. The Axis vs HDFC credit card comparison reveals that Axis offers higher cashback on bill payments, making it one of the top cards for maximizing savings without any annual fee.
4. ICICI Platinum Chip Card
This is an excellent choice for those who are just starting their credit card journey. The ICICI Platinum Chip Card offers a combination of cashback and rewards points on various categories like dining, groceries, and more. It’s a simple and easy-to-use card with no annual fee.
5. HSBC Platinum Credit Card
With the HSBC Platinum Credit Card, you can enjoy premium travel credit card benefits such as access to airport lounges and discounts on shopping. The card offers cashback on various purchases and has no annual fee, making it one of the best premium credit cards in India for beginners.
6. Kotak Mahindra Bank Royale Credit Card
The Kotak Mahindra Bank Royale Credit Card offers cashback on every purchase, including fuel. If you’re looking for a fuel cashback credit card, this is a great option. With zero annual fee and no hidden charges, this card provides excellent value.
7. RBL Bank Signature Credit Card
The RBL Bank Signature Credit Card offers great cashback on dining and travel expenses. This card’s travel credit card benefits make it ideal for frequent flyers. Plus, it has zero annual fees and provides rewards points for every purchase, making it one of the best credit cards for dining.
8. Standard Chartered Manhattan Platinum Credit Card
Ideal for those who love to shop online, the Standard Chartered Manhattan Platinum Credit Card offers exceptional cashback on online shopping purchases. With no annual fee, this card is perfect for maximizing cashback on your e-commerce spending.
9. American Express Membership Rewards Credit Card
American Express is known for offering great benefits without the annual fees. This zero annual fee credit card is perfect for earning membership rewards on your regular purchases. Whether you’re buying groceries, dining out, or booking a flight, this card offers competitive cashback rates.
10. Bajaj Finserv RBL Bank Credit Card
The Bajaj Finserv RBL Bank Credit Card offers cashback on a wide range of categories including fuel, groceries, and online shopping. If you’re looking for a well-rounded card with no annual fee, this one should be on your list.
How to Maximize Cashback on Zero Annual Fee Credit Cards
Once you’ve chosen your perfect zero annual fee credit card, it’s time to start maximizing your cashback rewards. Here’s how you can do it:
- Use your card for everyday expenses: Whether it’s online shopping, dining, or filling up gas, make sure you’re using your credit card for all your regular purchases to earn rewards.
- Monitor spending categories: Some cards offer higher cashback in specific categories like travel or fuel. Pay attention to your spending patterns and use the right card for the right expenses.
- Apply for a credit card online: It’s simple and quick to apply for a credit card online. Many banks offer special online offers for new applicants, so be sure to take advantage of those.
- Track cashback offers: Keep an eye on credit card cashback offers that your card issuer may run periodically. These limited-time promotions can help you earn even more.
Conclusion
With so many great zero annual fee credit cards available in 2025, there’s no reason to pay for the privilege of using a credit card. Whether you’re looking for a card with travel credit card benefits, cashback on dining, or online shopping rewards, the options are endless.
These top 10 cards are perfect for anyone looking to save money while earning great rewards. If you’re ready to apply for your next credit card, don’t wait—apply for a credit card online today and start reaping the benefits of cashback!
Get started now!