Top 2 Free Credit Cards in India

Getting a credit card with annual fees is only worth it if you get tons of rewards. With this list of top two free credit cards in India, you won’t have to shell out any extra money. Here are the best cards you can get without incurring additional costs…


1. HSBC Visa Platinum Card

The HSBC Visa Platinum Credit Card boasts ZERO joining and annual fees. Even better, this credit card offers numerous benefits and exclusive rewards.

Some of their rewards include 10% cashback of up to Rs. 2,500 when you use your card within the first 90 days of receiving your card. And as an introductory offer, you also get Rs. 2,000 Cleartrip voucher on your first transaction.


Want a credit card that has zero joining and annual fees but still provide you with benefits and exclusive rewards? Get HSBC Visa Platinum Card today!

What’s more, you get 3x rewards when you use your credit card on dining, hotel accommodations, and telecom payments within the first 12 months. You can also get 2 reward points for every Rs. 150 spent. Use your points on movie bookings, flights, restaurants, miles, and much more!


To apply for the HSBC Visa Platinum Card, you must be at least 18 years old with an annual income of Rs. 4,000,000. All you need to do is fill out the application found on their website today.

Rates and Fees

There no annual or joining fees associated with using this card. Also, the monthly interest rate is just 3.3%.

However, there is a cash advance fee of 2.5% of the transaction amount (subject to a minimum of INR 300). There is also a foreign currency transaction fee of 3.5%.

How to Contact the Bank

If you would like to contact the bank about this offer, you can call them at 1800 266 3456. You can also visit their main office at Plot No. 52/60, Mahatma Gandhi Road, Fort, Mumbai – 400001.

2. ICICI Platinum Credit Card

Looking for a credit card that offers a lifetime fee membership and yet provide numerous benefits such as fuel surcharge waiver? Apply for ICICI Platinum Credit Card now!

The ICICI Bank Instant Platinum Credit Card is another card that offers a lifetime free membership. This contactless credit card provides a plethora of privileges.

One of the best benefits this gives you is the chance to earn Payback Points through their bank rewards program. With this you can get 2 Payback points for every Rs. 100 spent on retail purchases. Meanwhile, you can get 1 Payback point for every Rs. 100 spent on utilities and insurance categories.

Another major benefit you can experience is the 1% fuel surcharge waiver across all petrol stations and a 15% discount on select participating restaurants.

Simply apply online by filling out the card request form on the ICICI Bank website. Keep in mind that to be eligible, you must have a fixed deposit account with ICICI Bank and your account must have a minimum fixed deposit amount of Rs. 20,000 for at least 180 days.

Rates and Fees

As with the previous card, there are no annual or joining fees on this credit card. The interest rate on this card is at just 2.49% per month. 

However, there is a cash advance fee of 2.50% on the advanced amount, subject to a minimum of INR 300 and a foreign currency charge of 3.5%.

How to Contact the Bank

If you would like to talk to the bank about this offer, you can call them at 1860 120 7777. In addition, you can find their main office at Bandra Kurla Complex,
Mumbai – 400 051 Maharastra.


So what are you waiting for? Pick from these top two free credit cards in India and experience the benefits today!

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.