Best Shopping Credit Cards with No Annual Fee

If you’re looking for a shopping credit card but don’t want to pay an annual fee, you’re in luck! Several credit cards offer cashback, rewards, and discounts on online and offline shopping without any annual charges.

No annual fee credit cards are perfect for budget-conscious shoppers who want to save more without extra costs. In this guide, we’ll explore the best shopping credit cards with no annual fee, their features, and how they help you maximize savings.

 Looking for more shopping credit cards? Check out our guide on Best Credit Cards for Online Shopping.

Top Shopping Credit Cards with No Annual Fee

1. Amazon Pay ICICI Bank Credit Card
 Annual Fee: 0 (Lifetime Free)
 Key Benefits:
 5% cashback on Amazon for Prime members
 3% cashback on Amazon for non-Prime members
 2% cashback on partner merchants like Swiggy & Zomato
 1% cashback on all other spends

 Best For: Frequent Amazon shoppers who want unlimited cashback.

 Want more details? Check our guide on Best Credit Cards for Amazon and Flipkart Shopping.

2. Flipkart Axis Bank Credit Card
 Annual Fee: 500 (Waived on 3,50,000 Spend Annually)
 Key Benefits:
 5% cashback on Flipkart & Myntra
 4% cashback on Swiggy, Uber, and PVR
 1.5% cashback on all other purchases

 Best For: Flipkart and Myntra users who love shopping online.

 Compare with other cards on our Cashback vs. Rewards Credit Cards guide.

3. IDFC FIRST Millennia Credit Card
 Annual Fee: 0 (Lifetime Free)
 Key Benefits:
 10x reward points on online shopping & food delivery
 5x reward points on other retail spends
 1% fuel surcharge waiver

 Best For: Young shoppers looking for high rewards on online spending.

4. HSBC Cashback Credit Card
 Annual Fee: 999 (Waived on 2Lakh Spend Annually)
 Key Benefits:
 10% cashback on Amazon, Flipkart & Swiggy (up to 1,000 per month)
 5% cashback on other online transactions
 1% cashback on all other spends

 Best For: Online shoppers who want flat cashback on all purchases.

 Want to maximize online savings? Check our guide on How to Save Big on Online Purchases with Credit Cards.

5. ICICI Platinum Chip Credit Card
 Annual Fee: 0 (Lifetime Free)
 Key Benefits:
 2 reward points per 100 spent
 1% fuel surcharge waiver
 Contactless payments for quick transactions

 Best For: Those who prefer a basic, no-frills credit card with rewards.

FAQs: Best Shopping Credit Cards with No Annual Fee

1. What is a no annual fee credit card?
A no annual fee credit card does not charge a yearly maintenance fee, making it cost-effective for long-term use.

2. Which is the best lifetime free credit card for shopping?
The Amazon Pay ICICI Bank Credit Card and IDFC FIRST Millennia Credit Card are great lifetime free shopping credit cards.

3. Do no annual fee credit cards offer cashback?
Yes! Cards like Amazon Pay ICICI Bank Credit Card and HSBC Cashback Credit Card offer high cashback on online shopping.

4. Can I get a no annual fee credit card without income proof?
Some banks offer secured credit cards without income proof, but standard no annual fee credit cards require income verification.

5. Are there any no annual fee credit cards for students?
The ICICI Platinum Chip Credit Card and IDFC FIRST Millennia Credit Card are good options for students with a steady income.

6. How do I apply for a no annual fee credit card?
You can apply online through the bank’s website or compare options on EaseMyDeal.

7. Do no annual fee credit cards have hidden charges?
No, but they may have late payment fees, cash withdrawal charges, and foreign transaction fees. Always read the terms before applying.