No Joining Fee Credit Cards – Apply with ₹0 Upfront Cost
Start Smart. Spend Smart. Skip the Entry Fee
Why pay to start using a credit card when you can get the benefits for free from Day 1? At CardMela.com, we’ve curated a list of top-rated No Joining Fee Credit Cards that come with zero upfront cost — making them perfect for smart spenders who want real rewards without paying to get started.
These cards are designed for digital shoppers, foodies, travellers, and lifestyle users who value convenience, cashback, and low-cost ownership. With ₹0 joining fees and solid benefits, these cards are a win from the moment you apply.
Explore top picks like the ICICI Bank Amazon Pay, Axis Flipkart, ICICI MakeMyTrip, and AU Bank Instapay — plus powerful zero-fee cards from IDFC FIRST Bank.
These cards also come with added benefits like: instant cashback or reward points on dining, shopping, and travel bookings; fuel surcharge waivers, dining deals, and brand discounts; UPI compatibility and contactless payment options; zero joining fees and minimal documentation; high approval chances for salaried and self-employed users.
Ready to get started with zero upfront cost? Use our comparison tool to explore features, eligibility, and apply for your favourite No Joining Fee Credit Card today — only on CardMela.com.
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
AU Bank Instapay Credit Card
★★★★☆ (4.5/5)
Ideal for digital payment enthusiasts and frequent UPI users
Benefits:
1% Cashback on UPI transactions (maximum ₹100 per billing cycle)
1% Fuel Surcharge Waiver on transactions ₹400–₹5,000 (maximum ₹100 per billing cycle)
Lifetime Free Card (No Joining Fee, No Annual Fee)
Contactless & Secure Payments
Instant UPI Payments through linked UPI apps
Easy linking with Google Pay, PhonePe, and Paytm
Eligibility:
Age 18-70 years, Minimum ₹1,00,000 annual income, Credit Score 750+, India resident, existing AU Bank customers
Fees:
No Joining or Annual Fee, Late Payment Fee ₹150–₹1,000 based on balance
IDFC First Bank Classic Credit Card
★★★★☆ (4.5/5)
Best for lifetime-free card with good rewards
Benefits:
₹500 gift voucher on ₹5,000 spend within 30 days
5% cashback on first EMI (up to ₹1,000)
3X reward points on UPI spends
10X points on spends above ₹20,000/month & birthdays
1% fuel surcharge waiver
25% off on movie tickets (up to ₹100/month)
4 railway lounge visits per quarter
₹2L personal accident cover
Eligibility:
Annual income ₹3L+
₹5,000 spend within 30 days for welcome benefits
Fees:
Joining fee ₹0
Annual fee ₹0
IDFC First Bank Select Credit Card
★★★★☆ (4.5/5)
For premium lifestyle users
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
Buy-1-Get-1 movies (2x/month)
4 domestic + 4 railway lounges quarterly
₹10K trip cancellation cover
1% forex markup
Eligibility:
₹12L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IDFC First Bank Millennia Credit Card
★★★★☆ (4.5/5)
Best for millennials with perks
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points up to ₹20K spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
25% off on movies
4 railway lounge visits quarterly
₹2L accident cover
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IDFC First Bank Forex Credit Card
★★★★☆ (4.5/5)
Best for forex and lifestyle benefits
Benefits:
₹500 voucher on ₹5,000 spend
5% cashback on 1st EMI
3X points on UPI spends
10X points on ₹20K+ spends & birthdays
1% fuel surcharge waiver
2x BOGO movie tickets (₹250 off)
4 railway lounge visits quarterly
₹10K trip cancellation cover (twice/year)
1% forex markup
Eligibility:
₹3L+ annual income
Indian resident, good credit score
Fees:
Joining ₹0
Annual ₹0
IndusInd Bank Rupay Platinum Credit Card
★★★★☆ 43/5
Best for lifetime free UPI card with rewards and insurance
Benefits:
₹0 joining and annual fee
2x reward points on UPI spends
1x reward point on other spends
1% fuel surcharge waiver
₹25L air accident insurance
Travel insurance cover
Fraud protection up to credit limit
UPI linking with GPay PhonePe Paytm BHIM
Points redeemable for cashback and miles
Eligibility:
Minimum monthly income ₹20000
Available for new and existing IndusInd Bank customers
Fees:
Joining fee ₹0
Annual fee ₹0
IndusInd Bank Travel Forex Credit Card
★★★★☆ (4.5/5)
Best for international travelers seeking fee-free multi-currency prepaid card
Benefits:
Zero currency conversion charges
Zero ATM withdrawal fees up to 2 per month per currency
Zero processing and issuance fee (temporary offer)
Online usage enabled
3 years validity
Multi-currency support including USD EUR GBP
Free airport transfer worth ₹1,000
Discounts on travel experiences and wire transfers
Eligibility:
Indian resident aged 18+
Valid passport and visa required
Fees:
Joining fee ₹0 (temporary offer)
Annual fee ₹0
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
Tata Neu HDFC Credit Card
★★★★★ (5/5)
Best for Tata brand loyalists seeking high rewards
Benefits:
5% NeuCoins on Tata Neu & partner brands
1.5% NeuCoins on non-Tata spends & UPI
1% fuel surcharge waiver
Domestic lounge access: 2 per quarter
Priority Pass for international lounges
Contactless payments enabled
Welcome benefit: 1,499 NeuCoins on first transaction
Renewal fee waiver on ₹3L annual spend
Eligibility
Salaried: 21–60 years, ₹25,000/month income
Self-employed: 21–65 years, ₹6L annual income
Indian resident, KYC compliant
Fees
Joining fee: ₹0 (First Year Free)
Annual fee: ₹1,499 + GST (waived on ₹3L annual spend)
Foreign currency markup: 2%
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
Federal Bank Scapia Credit Card
★★★★☆ (4/5)
*Best for frequent online & international spenders
Benefits:
Unlimited 2% Rewards on all spends
Zero Forex Markup
Complimentary Airport Lounge Access
No Joining or Annual Fee
Instant Card Issuance via App
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
No Annual Fee, No Joining Fee, ₹0 Forex Markup
HSBC Bank Visa Platinum Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
No joining/annual fee
2 points per ₹150 spent
5X points on spends > ₹4L/year (max 15,000 bonus)
Points transferable to air miles/hotel points
₹500 Amazon voucher on ₹5,000 spend
Fuel surcharge waiver ₹3,000/year
Up to 3.5% forex cashback (limited time)
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Bank Student Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for students studying abroad
Benefits:
Joining benefits ₹5,000 including 1 Indian International lounge access
Free Uber voucher ₹500
1 monthly ATM fee waiver
Free replacement card
ISIC membership worth ₹999
Card Protection Plus insurance ₹1,600
Lost card liability coverage up to ₹5,00,000
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee Nil
Annual fee Nil
ICICI Bank Platinum Corporate Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
1% fuel surcharge waiver at all petrol pumps
Up to 50 days interest-free credit
Dedicated relationship manager
Advanced spend tracking and ERP integration
Choice of liability options and consolidated billing
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Bank Visa Corporate Credit Card
★★★★☆ (4.3/5)
Best for corporate expense management with travel perks
Benefits:
Up to 50 days interest-free credit
1% fuel surcharge waiver
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
Cash rebate program for organizations
ERP integration and consolidated billing
Dedicated relationship manager
Eligibility:
Corporate employees or authorized signatories
Subject to company’s internal approval process
Fees:
Joining fee Nil
Annual fee ₹999 + GST
ICICI Bank Parakram Credit Card
★★★★☆ (4.3/5)
Best for defence personnel with exclusive rewards and benefits
Benefits:
1 reward point per ₹100 on all spends
5X reward points on grocery, department stores, and CSD (up to 1000 points/month)
1 domestic lounge access per quarter
1% fuel surcharge waiver
Eligibility:
Available exclusively for Indian Defence and Paramilitary personnel
Subject to ICICI Bank’s internal approval process
Fees:
Joining fee Nil
Annual fee Nil
Most Most Applied. Most Trusted. Zero Joining Fee.
Top ₹0 Joining Fee Credit Cards That Users Love to Start With
Confused about which no-cost card to get? Start with the ones most trusted by CardMela users. This list features the most popular No Joining Fee Credit Cards — chosen for their strong benefits, high approval rates, and ₹0 upfront cost.
Whether you’re a foodie, online shopper, traveller, or just someone who wants a rewarding credit card without paying to get started, these cards are packed with everyday value and no joining fee gimmicks.
Why These Are Favourites
Zero Entry Cost
Start using powerful cards without spending a rupee. No joining fees. No surprise charges.
High Approval Rates
Easier eligibility and smooth application make these cards ideal for new and experienced users alike.
Real Benefits, Right Away
Enjoy instant cashback, rewards, and lifestyle perks from your first transaction.
Trusted Issuers
Cards from HDFC Bank, Axis, ICICI, AU Bank, and IDFC FIRST — backed by digital banking and reliable support.
Who Picks These?
New-to-credit users looking for no-risk credit card experience
Online shoppers and frequent Swiggy/Zomato users
Budget-conscious professionals and digital spenders
Travel lovers wanting deals without entry cost
Students and young earners starting their credit journey
Explore the Most Loved ₹0 Joining Fee Credit Cards Now
Use CardMela to compare benefits, check approval criteria, and apply online — with complete transparency and ₹0 upfront payment.
No cost to begin. All the rewards to gain.
Apply smart — only on CardMela.com.