India's 5 Best Credit Cards: No Joining and Annual Fees Credit cards have become an essential financial tool in India, offering convenience, rewards, and financial flexibility. However, many credit cards come with joining fees and annual charges, which can deter individuals from applying for them. In this article, we will explore the concept of joining annual fee-free credit cards in India. We'll discuss their benefits, and eligibility criteria, and provide insights into some of the top credit cards available in the market that do not impose such fees. Understanding Joining and Annual Fees Joining fee: The joining fee is a one-time charge imposed by credit card issuers when a cardholder applies for a new credit card. This fee is payable when the card is approved and issued to the applicant. The amount can vary depending on the type of credit card and the card issuer. Annual fee: The annual fee is a recurring charge levied by credit card issuers on an annual basis. It is typical