Credit Card with No Annual Fee and No Joining Fee

Looking for a Credit Card with no Joining Fee or Annual Fee? ICICI Bank offers Cards that are crafted to give you multiple benefits without the usual costs associated with Credit Cards. In this blog, we will discuss the major advantages of No Annual Fee Credit Cards, explore the choices available and learn how to apply.

What are No Annual Fee Credit Cards?

ICICI Bank offers Credit Card with perks like zero Joining Fees and no yearly charges, making these Cards truly affordable. Known for its diverse range of products, ICICI Bank is a trusted option for individuals and businesses.

Enjoy rewards on spendings, access benefits and manage your finances effortlessly, all without the concern of hidden costs and the burden of fees. You can focus on the Card's benefits rather than keeping track of fee payments.

Top No Annual Fee Credit Cards From ICICI Bank

1. ICICI Bank Platinum Chip Credit Card

This Card lets you earn 2 Reward Points for every Rs 100 spent, which can be exchanged for a variety of products. Additionally, it provides security through a chip technology ensuring safe transactions.

Advantages

Get rewards on your purchases. Enjoy the added security feature of a Chip Card. It is a great choice for those looking to earn rewards while spending.

2. ICICI Bank Instant Platinum Credit Card

Avail this Credit Card at any ICICI Bank Branch by pledging a Fixed Deposit. Earn 2 Reward Points for every Rs 100 spent and receive a 25% discount (up to Rs 100) on the purchase of 2 tickets via BookMyShow.

Advantages

Instant approval and access to rewards make this Card a convenient option. The movie ticket discount adds value to your experience.

3. Amazon Pay ICICI Bank Credit Card

Tailored for shopping enthusiasts, the Amazon Pay ICICI Bank Credit Card offers cashback for every purchase that can be redeemed on Amazon and with 100+ partner merchants. Now, shop while you save.

Advantages

Earn rewards on every transaction and use the rewards to shop on Amazon as well as with partner merchants. A great choice for shoppers aiming to maximise their savings.

Eligibility Requirements

Here is a guide to help you determine if you are eligible to apply for a Credit Card online

1. Age Requirement: You need to be 21 years old to apply for an ICICI Bank Credit Card.
2. Income Criteria: ICICI Bank mandates an income of Rs 2.5 lakh for Credit Card applicants. However, the eligibility may differ based on the Card and your financial status. Ensure to meet the income criteria before submitting your application.
3. Citizenship Status: Indian citizens, residents and non-residents are eligible to apply for Credit Cards.

Documents Required

If you are taking a Credit Card against a Fixed Deposit, no documentation is required. However, the FD amount should be of Rs 50,000 or above. Here are some other common requirements you will need to meet.

Key Features and Benefits of No Annual Fee Credit Cards

1. Cost Effectiveness

Opting for a Credit Card with no Joining Fee can help you save and do not require you to make a yearly payment either. These Cards are budget friendly, especially if you have the habit of using Credit Cards occasionally.

2. Accessibility

By eliminating Joining Fees, these Cards become a popular customer choice. This inclusivity allows more individuals to reap the benefits of owning a Credit Card without incurring charges.

3. Versatility

The No Joining Fee feature adds to the freedom to use the Card when needed, whether for shopping, emergencies or to improve your credit history. These Cards can be used without the stress of fees.

Conclusion

It is a great decision to select a Credit Card from ICICI Bank that comes with no Annual Fee and no Joining Fee. These Credit Cards are free for life and offer rewards, cashback and exclusive benefits without any recurring charges.

Whether you require a Card for expenses, travel or special discounts, ICICI Bank’s No Annual Fee Credit Card options present a cost-effective solution to meet your financial requirements. Take the opportunity to explore these offerings today.