Credit cards with zero annual fee are becoming increasingly popular in 2026, especially among users who want to enjoy rewards, cashback, and convenience without paying a yearly charge. These cards are ideal for beginners, salaried professionals, students, and even experienced users who prefer cost-effective financial tools.
In this article, you will find a complete overview of the best zero annual fee credit cards, their features, benefits, and a clear comparison through an info table.
What Is a Zero Annual Fee Credit Card?
A zero annual fee credit card is a card that does not charge any yearly maintenance fee. Unlike premium cards that require annual payments, these cards allow you to use credit facilities without worrying about recurring costs.
Key Advantages
- No yearly charges
- Suitable for long-term use
- Easy to maintain even with low spending
- Ideal for building a credit score
Best Zero Annual Fee Credit Cards in 2026
Cashback Credit Cards
Amazon Pay ICICI Bank Credit Card
One of the most popular zero-fee cards offering strong cashback benefits.
Key Benefits
- Cashback on online shopping
- Higher rewards for Amazon purchases
- No joining fee and no annual fee
Rewards-Based Credit Cards
Axis Bank ACE Credit Card
This card is known for utility bill cashback and digital payments.
Key Benefits
- Cashback on bill payments
- Rewards on offline and online spending
- Contactless payment support
Fuel Credit Cards
BPCL SBI Card Octane (Lifetime Free Offers)
Some variants are available with lifetime free offers under promotions.
Key Benefits
- Fuel surcharge waiver
- Reward points on fuel spends
- Accepted at major fuel stations
Entry-Level Credit Cards
IDFC FIRST Millennia Credit Card
A beginner-friendly card with no annual charges and transparent terms.
Key Benefits
- Interest-free cash withdrawal period
- Rewards on all spends
- No hidden fees
| Credit Card Name | Annual Fee | Best For | Cashback / Rewards | Additional Benefits |
|---|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Zero | Online Shopping | Up to 5% cashback | No expiry on rewards |
| Axis Bank ACE Credit Card | Zero | Bill Payments | Up to 5% cashback | Utility bill cashback |
| IDFC FIRST Millennia Credit Card | Zero | Beginners | Reward points on spends | Low interest rates |
| BPCL SBI Card (Offer Based) | Zero | Fuel Spends | Fuel reward points | Surcharge waiver |
Who Should Choose Zero Annual Fee Credit Cards?
Zero annual fee credit cards are best suited for:
- First-time credit card users
- Users with moderate monthly spending
- People focusing on credit score improvement
- Those who want benefits without financial commitment
Things to Check Before Applying
Eligibility Criteria
- Stable income source
- Minimum credit score requirement
- Age and employment status
Hidden Charges
Even if the annual fee is zero, always check:
- Interest rates
- Late payment charges
- Foreign transaction fees
Final Thoughts
In 2026, zero annual fee credit cards are no longer basic. Many of them now offer competitive cashback, rewards, and lifestyle benefits without any yearly cost. Choosing the right card depends on your spending habits, whether it is shopping, fuel, or bill payments.
