Discover the Top No-Annual-Fee Credit Cards in India

Exploring Exciting Credit Card Options in India

If you're a teenager in India, you might be curious about credit cards and how they can benefit you. We've gathered information on some exciting credit card options that offer great perks without the burden of hefty fees and charges. Let's dive in!

IDFC FIRST Bank Credit Card

Looking for a credit card with no joining or annual fee? The IDFC FIRST Bank Credit Card could be your ideal choice. Here are some of its features:

• Lifetime free credit card with no joining or annual fee.
• Interest-free ATM cash withdrawal.
• Get 25% off on movie tickets with Paytm.
• Enjoy unlimited reward points that never expire.

Terms and Conditions

Eligibility Criteria:

• Income group: Rs 25,000 and above
• Age group: 23-60 years
• Available across major cities in India

Fees & Charges:

• Joining Fees: Nil
• Annual Fees: Nil
• Interest rate: 0.75-3.5% per month
• Cash Withdrawal charges: Rs 250 per transaction
• Card Replacement charges: Rs 100

Documents Needed:

• PAN Card/Form 60
• Colour photograph
• Address proof
• ID Proof
• Income proof

Ready to apply? Click here to visit the IDFC CREDIT CARD PAGE

IndusInd Legend Credit Card

If you're looking for a credit card that offers excellent benefits without annual fees, the IndusInd Legend Credit Card is worth considering. Here are some of its standout features:

• Lifetime free credit card with no joining or annual fee.
• Enjoy 8 free lounge access visits at domestic airports every year.
• Get accelerated 2X reward points on weekend spends.
• Avail of the Buy 1 Get 1 free offer on BookMyShow movie tickets.

Terms and Conditions

Eligibility Criteria:

• Monthly Income: Rs 80,000 for Salaried, Rs 1,00,000 for Self-Employed
• Age group: 21-65 years
• Credit Score: 650+
• No Delayed Payments in the last 12 months
• Existing Home or Auto Loan
• Existing active credit card with a limit of more than Rs 50,000 of any bank

Fees & Charges:

• Lifetime Free Card
• Joining Fee: Nil
• Annual Fee: Nil
• Annual Fee Waiver: Not applicable

Documents Needed:

• No physical documents required
• Keep your Aadhaar and PAN number handy.

Ready to apply? Click here to visit the INDUSIND LEGEND CREDIT CARD PAGE

AU SWIPE UP CREDIT CARD

If you're seeking a credit card with customization options and attractive rewards, the AU SWIPE UP CREDIT CARD might be perfect for you. Here are some of its key features:

• Lifetime free credit card with no joining or annual fee.

Ready to apply? Click here to visit the AU SWIPE UP CREDIT CARD PAGE

INDUSIND PLATINUM CREDIT CARD

If you're looking for a credit card that offers attractive discounts and rewards, consider the INDUSIND PLATINUM CREDIT CARD. Here are some of its key features:


• Lifetime free credit card with no joining or annual fee.
• Get up to ₹400 off on Ajio orders.
• Earn 1.5% reward points on every ₹150 spent.
• Avail up to ₹1000 off on flight and hotel bookings.

Terms and Conditions

Eligibility Criteria:

• Monthly Income: Rs 20,000 for Salaried & Rs 30,000 for Self-Employed
• Age group: 21-65 years
• Credit Score: 650+
• No Delayed Payments in the last 12 months
• New to Credit is Allowed

Fees & Charges:

• Lifetime Free Card
• Joining Fees: Nil
• Annual Fees: Nil
• Annual Fee Waiver: Not applicable

Documents Needed:

• No physical documents required
• Keep your Aadhaar and PAN Copy handy
• Income Proof

Ready to apply? Click here to visit the INDUSIND PLATINUM CREDIT CARD PAGE

AU Bank LIT Credit Card

If you're looking for a credit card that offers customization and rewards, check out the AU Bank LIT Credit Card. Here are some of its features:


• Lifetime free credit card with no joining or annual fee.
• Get your card customized as per your needs.
• Earn reward points on every ₹100 spent.
• Enjoy up to 15% discount on Tata Cliq, Amazon, Flipkart, and more.

Terms and Conditions

Eligibility Criteria:

• Required Age: 21-60 years
• Income: Rs 25,000 per month (Salaried and Self-Employed)
• Customers need to have an Existing card (6 months old) with a minimum limit of Rs 30,000
• No Delayed Payments in the last 12 months
• Required Credit Score: 700+

Fees & Charges:

• Joining Fees: Nil
• Annual Fees: Nil

Documents Needed:

• Valid PAN Card
• Aadhar Card - should be linked to Mobile (For EKYC)
• Address proof
• Income Proof (if opted for Income surrogate).

Ready to apply? Click here to visit the AU BANK LIT CREDIT CARD PAGE

*The card image serves for illustrative purposes; the bank may offer you a different card based on its policy and criteria.

Disclaimer: While credit cards can offer numerous benefits and financial convenience, it's essential to be aware of potential risks. Credit card usage should always be responsible and within your means. Failing to make timely payments can lead to high-interest charges, negatively impact your credit score, and result in debt accumulation. Before applying for any credit card, carefully review the terms and conditions, including interest rates, fees, and repayment obligations. It's advisable to create a budget and use credit cards judiciously to avoid financial difficulties. Remember that credit cards are a financial tool, and their misuse can have long-term consequences. Seek professional financial advice if you have concerns about managing your credit card responsibly.