7 CARDS · RATES AS OF 28 OCTOBER 2026
Best credit cards with no annual fee
Cards that cost nothing to keep, ranked by how much they earn in the apps you use. Scapia is the strongest no annual fee card across the 28 apps Pickkard tracks, earning about 1.89% on average.
#1Scapia
Best: 2% on AJIO, Amazon and Apollo 24|7 and more
About 1.89% back on average across 28 apps
No annual feePaid as Scapia Coins
#2Amazon Pay ICICI
Best: 3% on Amazon
About 1% back on average across 28 apps
No annual feePaid as Reward Points
#3IDFC FIRST Millennia
Best: 1.25% on Cleartrip, Domino's and Goibibo and more
About 0.53% back on average across 28 apps
No annual feePaid as Reward Points
#4IDFC FIRST Select
Best: 1.25% on Cleartrip, Domino's and Goibibo and more
About 0.53% back on average across 28 apps
No annual feePaid as Reward Points
#5IDFC FIRST Wealth
Best: 1.25% on Cleartrip, Domino's and Goibibo and more
About 0.53% back on average across 28 apps
No annual feePaid as Reward Points
#6Tiger IndusInd
Best: 0.4% on AJIO, Amazon and Apollo 24|7 and more
About 0.37% back on average across 28 apps
No annual feePaid as Reward Points
#7OneCard
Best: 0.2% on AJIO, Amazon and Apollo 24|7 and more
About 0.19% back on average across 28 apps
No new applicationsNo annual feePaid as Reward Points
Questions people ask
What is the best credit card with no annual fee?
Scapia is the strongest no annual fee card across the 28 apps Pickkard tracks, earning about 1.89% on average. The right one still depends on where you shop: open an app’s page to see the best card there.
How are these ranked?
By the average reward across every app Pickkard covers, valued the way the bank shows first. Cards you can still apply for come first.
Fees and rewards are as per each bank’s published terms and can change. Pickkard isn’t a bank and isn’t paid by any bank for these lists.