Which cream is good for fairness without causing any side effects, and can be used long-term, especially for oily skin?

For fairness and to address oily skin in the long run, you can consider using a cream containing "Kojic acid" and "Niacinamide". One such cream is "Kojivit Plus Gel". It can be applied twice daily on the affected areas after cleansing the skin. Remember to use sunscreen during the day while using this cream.