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2 mins Read | 1 Year Ago

Credit Card with No Annual Fee and No Joining Fee

Lifetime Free Credit Card Online | ICICI Bank

With ICICI Bank No Annual Fee Credit Card, you need not worry about paying card fees as there are no joining and annual fees. Using these cards wisely can yield incredible benefits such as rewards, cashback and exclusive discounts. Empower yourself with the convenience and flexibility of a Credit Card without worrying about any costs. Simplify your transactions, manage your finances and enjoy the perks that come with responsible Credit Card usage.

No Annual Fee Credit Card 

Are you searching for a Credit Card that offers great benefits without any annual fee? Known for its wide range of products and services catering to both individuals and corporate customers, ICICI Bank is a popular choice for Credit Cards.

With no annual fee, the ICICI Bank Credit Card provides a stress-free experience, making it a convenient choice for your financial needs. Now earn rewards on your everyday purchases, get exclusive perks and manage your finances seamlessly. 

4 Best Credit Cards with no joining & annual fee

Discover the best Credit Cards with no joining fee in India offered by ICICI Bank. Experience the convenience and benefits of these Credit Cards without annual fees. Before applying, choose your Card from the following options:

  1. ICICI Bank Platinum Chip Credit Card – 

    Apply online to get a Platinum Chip Credit Card with no annual fee. The ICICI Bank Platinum Chip Credit Card offers great value as it is easily manageable and comes with exciting benefits. Earn 2 reward points for every ₹ 100 spent which can be redeemed for exciting products.

  1. ICICI Bank Instant Platinum Credit Card-

    : et this No-Annual-Fee Credit Card instantly at our branches against your Fixed Deposit. Earn 2 reward points for every ₹100 spent, avail 25% discount up to ₹100 on purchase of 2 tickets through
  1. ICICI Bank Coral Credit Card Against Fixed Deposit-


    Enjoy the convenience of an assured Credit Card without income documents. This Card offers complimentary domestic airport and railway lounge accesses, 50% more reward points on online spending, discounts on dining and 25% discount up to ₹100 on purchase of 2 tickets through

  1. Amazon Pay ICICI Bank Credit Card -

    Save even while spending and enjoy special privileges with the Amazon Pay ICICI Bank Credit Card. This card made exclusively for you, pays you back everywhere and every time. Reward earnings can be used to purchase from over 10 crore products at and at more than 100 Amazon Pay partner merchants.

Get a Credit Card with no joining fee from ICICI Bank and claim rewards, discounts and exclusive privileges. Choose the ideal Credit Card that aligns with your financial needs and aspirations. Do not miss out on this opportunity to enhance your credit experience without any fees.

Check Eligibility and Available for free Credit Online

Age-: The minimum age requirement for banks to issue Credit Cards is 21. The maximum age limit varies with banks typically offering cards until age 60.

Annual Salary-: Banks consider the applicant's annual income to assess repayment capacity. Usually, a net annual income of ₹2.5 lakh is required, but eligibility criteria may vary across banks.

Nationality-: Indian citizens, residents and non-residents can apply for Credit Cards. However, some banks exclusively issue Cards to Indian nationals. Verify specific eligibility requirements with the respective banks.

No Annual Fee Credit Cards Features and Benefits 

Enjoy a range of features and benefits with these No-Joining Fee Credit Cards:

1. Enhanced Security: These Cards prioritise your safety and offer advanced security measures, ensuring your transactions are secure and protected.

2. Rewards: Banks allow you to accumulate the reward points you have earned by making purchases and redeem them for a variety of exciting rewards and discounts.

3. Fuel Surcharge Waiver: Say goodbye to additional fuel surcharges. These Credit Cards often come with a waiver, enabling you to save more on fuel expenses.

4. Cost-Efficiency: A Credit Card with no annual fee or joining fee saves you money in the long run. Unlike Cards that come with such fees, this type of Credit Card doesn't require you to pay an upfront or yearly charge for simply having the Card. This makes it a more cost-effective option, especially if you don't use the Card frequently or are looking to minimise expenses.

5. Accessibility:  By removing the barrier of entry fees, Credit Cards without annual or joining fees become more accessible to a wider range of users. This means more people can take advantage of the benefits of having a Credit Card without worrying about additional costs. It's a great option for those who may be new to credit or looking for a straightforward Card option.

6. Flexibility: With no annual or joining fees, you have the flexibility to keep the Credit Card without feeling pressured to use it extensively to justify the costs. This flexibility allows you to use the Card as needed, whether it's for occasional purchases, emergencies or building credit history, without feeling like you are losing money by simply having the Card. 

With these Cards, you can enjoy many benefits while keeping your financial management stress-free and cost-effective. Explore these Cards today and take advantage of the features that enhance your lifestyle and help you save money. 

Lifetime Free Credit Cards Eligibility Criteria & Documentation

Customer category

Age range

Annual salary/income

Minimum CIBIL score

Salaried professionals

21 - 58 years old

Existing customer with an ICICI Bank Salary Account having a minimum annual salary of ₹2.40 lakh

750 and above

Other Bank salaried customer having a minimum annual salary of ₹3.60 lakh

Self-employed professionals

21 - 65 years old

Existing ICICI Bank Savings Account customer with an annual income of ₹3.60 lakh

750 and above


Required Documentation:

Document Required

Documents Name

Proof of identity

Aadhaar Card, passport, PAN Card

Proof of address

Aadhaar Card, utility bill, rental agreement

Proof of income

Salary slips, Income tax returns, bank statements

Recent passport size photographs


Filled application form


No Joining & Annual Fee Credit Card without income proof 

ICICI Bank Instant Platinum Credit Card and ICICI Bank Coral Credit Card against Fixed Deposit (FD) offer a unique opportunity for individuals who may not have income proof to enjoy the benefits of a No Annual Fee Credit Card. The applicants can avail of this Card without income documentation.

How to Apply for a Lifetime Free Credit Card Online?

  1. Gather necessary information-:

    Collect your personal details, employment information and address proof to streamline the application process
  2. Choose the right card-


    Select a Credit Card that matches your preferences and offers benefits that align with your lifestyle.

  3. Provide additional details-


    Be ready to provide the required documents such as income proof or credit score information to support your application..

  4. Verification and card issuance-


    The Bank will verify your information including credit history and issue the same upon successful verification.

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