Benefits offered by credit cards are like some club memberships wherein the members giving higher contribution are offered more benefits. And same is the case with credit cards, higher the joining fees greater are the rewards and vice-versa. Higher income earners can afford to pay the joining fee and get cards. But what about people with low income earners who are not capable pay joining fee but still want to buy credit card? For such category of individuals, many banks offer credit cards with no joining fee which can help them in building credit history. Check out credit cards for poor salary individuals. Here is the list of banks in India offering credit cards with no joining fees:

Bank Name	Credit Card Name
Kotak Mahindra Bank	Easyday Silver Card
Kotak Mahindra Bank	Best Price Business Card
Kotak Mahindra Bank	Fortune Gold Card
Kotak Mahindra Bank	Feast Gold Card
Kotak Mahindra Bank	Easyday Titanium Card
ICICI Bank	Instant Platinum Credit Card
State Bank of India	SBI Dena Bank Secured Card
State Bank of India	SBI Maruti Card
HSBC	Platinum Credit Card
Bank of India	India Card
Axis Bank	My Zone Credit Card
Andhra Bank	VISA Platinum
Bank of Baroda	BOBCARD Assure
Canara Bank	Visa Classic
Canara Bank	Mastercard Standard
Central Bank of India	Titanium Credit Card
Central Bank of India	Aspire Credit Card
Ratnakar Bank Limited	Golf World Card
Standard Chartered	Visa Infinite
Standard Chartered	Platinum Rewards
Standard Chartered	Emirates Platinum
Standard Chartered	Inner Circle Platinum
HDFC Bank	MoneyBack Credit Card (Life Time Free, if applied through bank website)
HDFC Bank	All Miles Credit Card (Life Time Free, if applied through bank website)
HDFC Bank	Regalia Credit Card (Life Time Free, if applied through bank website)
HDFC Bank	Diners Premium Credit Card (Life Time Free, if applied through bank website)
HDFC Bank	Diners Rewardz Credit Card (Life Time Free, if applied through bank website)
HSBC	Platinum Card

Condition for SBI Maruti Card is that if spend on card is greater than Rs. 2,000 within the first 60 days of card issuance, then joining fee is waived. Before opting for any card, make sure you are aware of following important fees charged by the banks, although there are many other charges:

• Annual fees: There are many cards with zero annual fees but after completion of 1st year annual fee is applied and many card owners are not aware of this. So select a card, which does not put hole in your pocket and carries low or no annual fee.
• ATM Cash Withdrawal: One of the biggest differences between debit card and credit card is that on debit card there is no charge on cash withdrawal from the ATM provided number of withdrawals are within the limit. However every cash withdrawal from ATM using credit card carries charge depending on the amount.
• Late Payment: This can be either a fixed charge or small percentage of the amount withdrawn.

Author Bio:

Hi, I am Nikesh Mehta owner and writer of this site.

I’m an analytics professional and also love writing on finance and related industry. I’ve done online course in Financial Markets and Investment Strategy from Indian School of Business.

I can be reached at nikeshmehta@allonmoney.com. You may also visit my LinkedIn profile.