Lifetime Free Credit Card

Having a lifetime free credit card is good but having a life time free credit card without income proof is even better. Check out this illustrious list of best lifetime free credit cards and that’s not all. You can apply online for credit cards that suit your needs too.


What is a lifetime free credit card?

A lifetime free credit card is exactly how it sounds. It simply means that you will never have to pay any annual fees for the maintenance of your credit card. Right now almost every bank or financial institution like Axis bank, HDFC, HSBC, IDFC First, SBI, ICICI, Bank of Baroda bank and many more are already having life time free credit cards that they are offering to their existing as well as new customers who meet a certain criteria.

Additional Info: Check Top 10 Cashback Credit Card and Apply.

Best Lifetime Free Credit Cards

You must be thinking that if all these banks and FIs are offering good and reasonable lifetime zero annual fee credit cards then, how to select the best one for yourself? Well, we have compiled a list of best lifetime free credit cards and also highlighted the other benefits that come with it. You can check out the list below before knowing in detail about each one of them.

Card NameBest Suitable ForCard BenefitAnnual Fee
ICICI Instant Platinum Credit CardMovie Tickets, Dining out3 PAYBACK Points on every Rs. 100 spentZero
HSBC Visa Platinum Credit CardTravel, Online Shopping2 Reward points for every Rs. 150 spentZero
IDFC First Select Credit CardLuxury lifestyle spends, Online shopping6 Reward points for every Rs. 150 spentZero
ICICI Amazon Pay Credit CardOnline ShoppingEarn 5% Cashback for Amazon Prime customersZero
IDFC First Wealth Credit CardAirport lounge/spa/golf benefits6X & 3X reward points on online & offline spendsZero
Axis Bank Insta Easy Credit CardFuel, Dining6 reward point for every Rs. 200 spentZero
Bank of Baroda Easy Credit CardMovies, Grocery5 reward points for every Rs 100 spentZero
HDFC Visa Signature Credit CardAirport Lounges, Travel, Fuel2 reward points for every Rs. 150 spentZero (if you spend Rs 15000 in 90 days)
Kotak 811 #DreamDifferent Credit CardFuel, railway, movies & lifestyle spends2 reward points for Rs. 100 spent online; 1 reward point for other spentZero

Note: Check All Lifetime Free IDFC Credit Card

Life time Free Credit Cards without Income Proof

Did you know? You can get some of these lifetime free credit cards without any income proof. In this case the card issuer issues your credit card against any fixed deposit (FD). You can get an FD account opened for a sum of money as low as Rs 2000. The credit card will have a credit limit which is 80% of the amount in your FD. 

Top 10 Lifetime Free Credit Cards Explained

These cards do not cause any problems and relieve you from the nuisance associated with joining fees and annual fees. In addition to this, they also offer you amazing rewards if you purchase items through them. Without much ado, here are the Top 10 Best Lifetime Free Credit Cards that exist.

ICICI Instant Platinum Credit Card

ICICI Bank Platinum Chip credit card is an entry-level card that comes in both Visa and Mastercard variants. ICICI Bank Platinum Chip credit card uses a Payback loyalty program to award reward points.

Features of ICICI bank lifetime free Credit Card

Apart from being a lifetime free card, ICICI Instant Platinum credit card offers following benefits that make it ideal for people who like going out to movies and dining out.

Welcome offer:

Get Rs. 100 discount on booking up to 2 movie tickets each month through www.bookmyshow.com

  • 2 Payback Points on every spend of Rs. 100 on all retail transactions except on fuel.
  • 1 Payback Point on every spend Rs. 100 on utilities & insurance transactions.
  • ICICI Bank Platinum Chip credit card comes in two variants: VISA & Mastercard
  • Up to 15% off on all dining transactions with ICICI Culinary Treats program.
  • 1% fuel surcharge waived on all petrol pumps across India.

HSBC VISA Platinum Credit Card

The HSBC Visa Platinum Card comes with zero-annual fees. It works well for cash back. You get 10% cash back on all spends for the first 60 days. Other than this, you obtain 5X reward points for expenditure between Rs. 4 Lakhs and Rs. 10 Lakhs as well as 3X reward points for spends on dining, hotels, and telecom for one year. You also enjoy a 20% discount at chosen lounges and restaurants in India as well as a BookMyShow voucher worth Rs. 500.

HSBC Lifetime Free Credit Card Features

This HSBC Visa Platinum credit card has numerous rewards and benefits which might put any premium card to shame. Check out the welcome offer and benefits that come with this card.

Welcome offer:
  • Amazon Voucher worth Rs. 500
  • 3 complimentary lounge access/3 meal vouchers
  • 50% discount (up to Rs.100) on the first transaction on google pay
  • 10% cashback (upto Rs. 2,000).
  • Earn 5x reward points on achieving an annual spending target of Rs. 4,00,000 or above.
  • Get 3 complimentary domestic & international lounge access visits, Amazon voucher worth Rs. 500 and up to 10% cashback on your spendings as a sign-up bonus.
  • Buy 1 get 1 offer on booking movie tickets through BookMyShow
  • 10% discount on Tata CLiQ on a minimum transaction of Rs. 1000
  • 10% discount on electronics on a minimum transaction of Rs. 3000
  • 10% discount on the Tata CLiQ luxury website on a minimum transaction of Rs. 5000

IDFC First Select Credit Card

It’s a semi-premium credit card that’s worth exploring for its airport lounge benefits and decent rewards. Apart from the standard benefit, you’ll also be able to enjoy the targeted promos that come every now and then especially around festivals.

Features of IDFC Lifetime Free Credit Card

This card by IDFC has its own perks apart from being a free credit card. When you look at the welcome benefits and reward program of this card, you will realise this card can easily cater to your luxury lifestyle spends and online shopping spree.

Welcome offer

Welcome voucher worth 500 INR on spending >=15,000 INR within 90 days of card generation.

  • Have a Gift Voucher of ₹500 as a welcome bonus only after spending ₹15000 within 90 days from the card.
  • Have a Cashback of 5% on the first EMI Transaction done within 3 months from the date of card issuance.
  • Have Buy One Get One Free Offer on movie tickets twice a month with a maximum limit of ₹250.
  • Enjoy 4 Complimentary Accesses to Airport and Railway Lounge every quarter.
  • Enjoy up to 20% off at 1500+ Restaurants and 15% off at 3000+ health outlets.
  • Earn a Fuel Surcharge waiver of up to ₹300 every month at the refilling stations.
  • Have a Personal Accident Cover of up to ₹5 Lacs and a Complimentary Lost Card Liability Cover of ₹50000.
  • Enjoy 50+ In-App Discount Offers through this Credit Card.
  • Have a Free Road Side Assistance of ₹1399.
  • Have a Comprehensive Travel Insurance Cover of ₹22500.

ICICI Amazon Pay Credit Card

Issued by ICICI Bank in partnership with Amazon and Visa, the Amazon Pay ICICI Bank Credit Card allows customers to shop online on Amazon.in and earn attractive rewards. You get paid back on each of your transactions. It is a lifetime free credit card as there is no annual or joining fee applicable on the card. This card is specifically made for shopaholics who love to shop online.

Features of ICICI Lifetime Free Credit Card

This ICICI free lifetime credit card gives you great benefits if you love shopping on Amazon. Apart from being free this card has following rewards and benefits.

Welcome offer

Get an instant welcome bonus of Amazon Pay Balance (Rs. 300 to Rs. 600)

  • Get 5% cashback on your purchases through Amazon for prime users
  • Get 3% cashback on purchases through Amazon for non-prime users
  • Get 2% cashback on all transactions using Amazon Pay at partner merchants
  • Avail 1% cashback on all other transactions made using your Amazon Pay ICICI Bank credit card
  • You can get up to 15% off on dining with the ICICI Culinary Treats program.
  • Get 1% fuel surcharge waived on all petrol pumps across India.

IDFC First Wealth Credit Card

This is a premium credit card that’s worth exploring for its airport lounge/spa/golf benefits. The rewards for high value spending are good too. Apart from the above, you will also be able to get a relatively low interest rate if you’re carrying forward your balances. In order to get IDFC Credit Card, apply online lifetime free at MyMoneyMantra.

Features of IDFC Lifetime Free Credit Card

IDFC First Wealth Credit Card offers the interest rate at 0.75-3.5% a month with air accident cover of Rs.1 crore and personal accident cover of Rs.10 lakh and lost card liability cover of Rs.50,000. All this on top of numerous rewards and of course it’s free for the lifetime.

Welcome offer

Welcome voucher worth 500 INR on spending >=15,000 INR within 90 days of card generation

  • Spend ₹20000 and above and earn 10X Reward Points on all the transactions.
  • Earn 3X Reward Points on offline transactions.
  • The online transactions will earn 6X Reward Points.
  • Spend on your birthday and earn 10X Reward Points.
  • On spending ₹15000 within 90 days from the card issuance date you will get a Gift Voucher of ₹500 as a welcome bonus.
  • On converting a transaction into an EMI within 90 days from the card issuance you will get a Cashback of 5% on the first conversion.
  • Enjoy Buy One Get One Free Offer on movie tickets of up to ₹500 per ticket twice a month.
  • Get Complimentary Golf Rounds on this credit card.
  • Have 4 Complimentary Visits to Airport Lounges per quarter.
  • Get 4 Complimentary visits to the Railway Lounge per quarter.
  • Enjoy Complimentary Spa Visits every quarter.
  • Have a Fuel Surcharge waiver of up to ₹400 per statement cycle at the refilling stations.

AU Small Finance Bank LIT Credit Card

AU Small Finance LIT Credit Card is India’s First customizable Credit card where it lends you the ability to customize the features of the card. With a LIT card you can select from five types of features that you want to use for a period of 90 days. The five categories are, travel benefit, OTT membership benefit, shoppers category, Milestone cashback category and other categories

Features of AU Small Finance Lifetime Free Card

This card gives ample options to users so that they actually end up using this card and reap the benefits. Let’s have a look below to see what those benefits and rewards are.

Welcome offer

There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.

  • Free Membership of Zee5, Amazon Prime and Cult.fit for 3 months
  • Earn 10X or 5X accelerated Reward Points
  • Get 5% cashback 3 times over a 90 days period.
  • You can get additional 5% cashback for travel, dining and grocery expenses.
  • 4 complimentary lounge access per quarter.

Axis Bank Insta Easy Credit Card

The Axis Bank Insta Easy Credit Card can be availed with minimal documentation and guaranteed approval. It is a chip and pin enabled card and is issued against your Fixed Deposit (FD) with Axis Bank. The card comes with fuel surcharge waiver, discounted dining bills, a free Axis Bank Credit Card period of 50 days, and other benefits. You can get this lifetime free credit card without income proof.

Axis Lifetime Free Credit Card Features

This Axis bank lifetime free credit card has plenty of benefits apart from being free. You can utilize this card to save a lot on your fuel, dining and online shopping expenses. Check out the welcome benefits and rewards that come with this lifetime free credit card.

Welcome offer

There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.

  • You can withdraw up to 100% of your credit limit.
  • You can get a card with a credit limit of up to 80% of your FD’s value.
  • Fuel surcharge waiver of 1% on all fuel transactions in India for transactions between Rs. 400 and Rs. 4,000 (maximum benefit available is up to Rs. 400 per month).
  • Free credit period for up to 50 days, if there is no outstanding on the card.
  • A minimum of 15% off on dining bills at partner restaurants in India through ‘Dining Delights’.
  • Guaranteed approval of credit card application.
  • Global emergency assistance.
  • Platinum chip-enabled credit card for clear authentication of payments and easy fraud detection.
  • Convert any transaction of Rs. 2,500 and above in EMIs.

Bank of Baroda Easy Credit Card

Bank of Baroda Easy Credit Card is one of the basic credit cards offered by Bank of Baroda. This Bank of Baroda credit card is suitable for people with minimal income as it provides accelerated rewards and cashback offers on regular spending categories.

Features of Bank of Baroda lifetime free Credit Cards

Bank of Baroda Easy Credit Card is a reward point based credit card that offers tons of reward points on groceries, departmental stores, movies, and much more. Following are the Benefit of the card:

Welcome offer

There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.

  • 5X reward points on selected merchant categories like groceries, departmental stores, movies, etc.
  • 1 reward point on other categories.
  • Accidental Death cover.
  • 1% fuel surcharge waiver.

HDFC Visa Signature Credit Card

HDFC Visa Signature Card is a credit card facility that comes with an offer of up to 3 add-on cards which you can give to your loved ones and ensure their financial security and freedom. Also, this card helps you make a great deal of savings by letting you save up to ₹ 8,300 on an yearly basis.

HDFC Lifetime Free Credit card Features

When it comes to HDFC life time free credit card, HDFC Visa Signature card instantly comes to mind. Although there is some annual fee involved, it will be waived off once you spend Rs 15000 in the first 90 days within this card being issued.

Welcome offer

The welcome offer keeps on changing as per the trend. Sometimes you get shopping coupons from online sites, sometimes you get flat cashback.

  • Earn two reward points for every ₹ 150 you spend
  • Enjoy the comfort of over 600 global airports
  • By making transactions through this credit card on a regular basis, you can save up to ₹ 8300 every year
  • Get the fee of first year reversed on an expenditure more than ₹ 15,000 within the first 90 days of the card setup. You can also get your renewal fee reversed for an expenditure up to ₹ 75,000 in the year prior to renewal date.

Kotak 811 #DreamDifferent Credit Card

Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit up to 90% of your term deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card.

Features of Kotak Lifetime Free Credit Card

This Kotak credit card is backed by a fixed deposit for as low as INR 15,000, this lifetime free credit card is especially for customers who have no credit history or do not have any other income. Check out all the benefits and rewards offered by this card.

Welcome offer

Get 500 bonus reward points on card activation

  • No Annual fees
  • No Joining Fees
  • 2 reward points against every Rs. 100/- of online spends
  • One Rewards Point is equal to 0.25ps

How to Apply for a No Annual Fee Credit Cards Online?

To apply for a no annual fee credit card online you can either visit the official website of the concerned credit card provider or apply through MyMoneyMantra, a leading online lending marketplace. 
All you need to do is, fill in a basic credit card application form, and submit your contact details. The bank or MyMoneyMantra representative will get in touch with you to gather more details (as required) and provide complete information about the card. 
If you are eligible for the card, the representative will collect documents from your doorstep and submit them to the card provider. 
After verification of the documents and information provided by you, and after successfully meeting the criteria of the card provider, your application will get approved and the card will be delivered to your doorstep.

Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

FAQs on Lifetime Free Credit Cards in India 2023

✅ Can We Get a Lifetime Free Credit Card with Bad Credit Score?


No, you can’t get a lifetime free credit card with a bad credit score. However, you can opt for short-term personal loans and improve your CIBIL score by taking it to 700 score or above that improves your repayment capacity reputation.

✅ What are the Documents Required to Apply Credit Card?


You need to submit the following documents to apply for a Credit Card. Identity Proof, Address Proof, 1 recent passport size photograph, last 6 months salary slip and form 16.

✅ Is it worth it to pay an annual fee for a credit card?


It depends entirely on the services that a credit card company is offering and if the offered services are of any use for the customer. This is a very objective thing and differs from person to person. For example if a free credit card offering dining discounts is not useful for a person who never goes out to anything outside, and in the same manner a credit card offering fuel surcharge waiver is not good for a person who has no vehicle at all.

✅ Who should apply for a no annual fee credit card?


Any one who thinks that the services provided by that card of any value to him or her. If the person thinks that if the services are not useful for his current situation then it is of no use.

✅ Can I use my no annual fee credit card for foreign transactions?


Free credit cards can be used for foreign transactions but there will be charges to use that facility known as foreign currency markup fee. This fee is generally around 3% of the cost of the purchase.
It is advisable to use cards which have a low foreign currency markup fee. There are credit cards which facilitate such transactions and have zero foreign currency markup fee.