Best Lifetime Free Credit Cards in India

Best Lifetime Free Credit Cards in India

The digitisation of money has paved the way for the widespread use of Credit Cards. Today, you do not need to roam around carrying bundles of cash in your pocket. A single swipe of this plastic card is enough to make a purchase conveniently. While Credit cards have made the transaction process safe and secure, there is still the issue of annual Credit Card payments for using the card. Getting a notification to pay your Credit Card dues every year is frustrating but Best Credit Cards in India in 2020 have proven to be a lifesaver.

Best Lifetime Free Credit Cards in India 2020

Card Name Card Benefits
 ICICI Instant Platinum Credit Card
  • Save Min. 15% on dining at over 2,600 partner restaurants.
  • Get discount of 100 on booking up to 2 movie tickets every month through

HSBC Visa Platinum Credit CardApply Now

  • No Joining and No Annual Fees.
  • Get Cleartrip voucher worth 2,000 on first transaction.
Standard Chartered Priority Visa Infinite Credit Card
  • No Joining and No Annual Fees.
  • Priority Pass Program membership with minimal fee

Citibank Rewards Domestic Credit CardApply Now

  • On spending every 125 at Apparel & Department Stores, earn 10 Reward Points.
  • Avail over 6,000 offers on Shopping, Dining, Movies & EMI.
IndusInd Bank WorldMiles Credit Card
  • Get complimentary golf sessions (including coaching sessions) at prominent golf courses around the world which.
  • Get access to 600+ lounges across the world with Priority Pass Program and make your travel more pleasant and relaxing.

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 five of the Best Lifetime Free Credit Cards that exist.

1. ICICI Instant Platinum Credit Card

ICICI Instant Platinum Credit Card

The ICICI Instant Platinum Card works well for first-time Credit Card users in India. It comes with no annual fee while the bank provides this card against a deposit in your savings account. You can take advantage of Global Emergency Assistance and card replacement service if required while enjoying 15% savings on tantalizing treats at over 800 reputed restaurants across ten cities in India is also possible. You can earn reward points and instantly redeem for cash.

Introductory offers:

  • Get Rs. 100 discount on booking up to 2 movie tickets each month through

 Features & benefits:

  • The card is valid internationally providing Global Emergency Assistance as well as Card Replacement services.
  • The Card has a low interest rate of just 2.49%/ month. On making full payment against outstanding, you will not be charged with any interest on your card.
  • Chip and Pin Card that comes with an embedded microchip providing additional security against duplication and counterfeiting of the card.
  • Get Rs. 100 discount on booking movie tickets through any day of the week. The discount can only be availed twice a month.
  • Save minimum 15% on dining at over 800 famous restaurants across 10 Indian cities through ICICI’s premier dining program Culinary Treats.
  • Get 1% fuel surcharge waiver on fuel transaction of maximum Rs. 4,000 at HPCL petrol pumps.
  • Avail amazing deals from VISA on wine for luxury hotels, restaurants, spas, lifestyle stores, and more. 

 Renewal fee:

  • Joining Fee as well as Annual Fee for ICICI Bank Instant Platinum Credit Card is NIL.

 Rewards & cashback offers:

  • Get 2 PAYBACK points for spending every Rs. 100 and redeem the points against a variety of attractive gifts.
  • Get 1 PAYBACK point on spending every Rs. 100 on utilities and insurance categories

 How to redeem rewards:

PAYBACK points can bring you a variety of exciting rewards from your spending. You can redeem your these points from many options such as movie, travel, appliances, lifestyle products, mobiles, and much more. You can visit for more details on redeeming rewards.

Best suitable for:

First time Credit Card users who want to get the card instantly and have a fixed deposit with the bank.

 Eligibility to apply for the card:

  1. To get the ICICI Bank Instant Credit Card you have to open a Fixed Deposit with ICICI Bank in your name, if you don’t have one already. The minimum amount in the Fixed Deposit should be Rs. 20,000 and the minimum tenure has to be 180 days.
  2. You can either collect your Credit Card from any of the ICICI Bank Branches or visit their website to apply online. You can also apply for the card through MyMoneyMantra.
  3. You age should be minimum 21 years and minimum monthly income must be Rs. 20,000


Is it a contactless card?

Yes, this Credit Card comes with a built-in contactless technology to help you make quick and secure payment at retail outlets.

Is it mandatory to have a Fixed Deposit with ICICI Bank to get this card?

Yes. This card can only be availed against a fixed deposit at ICICI Bank.

Can I apply for this card online?

Yes, you can apply online for this Credit Card through MyMoneyMantra or ICICI Bank’s official website.

Can I get this card if the Fixed Deposit is in the name of my company?

No. This ICICI Credit Card cannot be issued if the Fixed Deposit is in the name of a Company/ Partnership Firm/Any Third Party/Society/HUF/Trust.

Can a foreign national get this card?

No, the card cannot be issued to any foreign nation or a minor.

2. HSBC Visa Platinum Credit Card

 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 90 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 buy one ticket and get one free at BookMyShow.

Introductory offers:

  • Get 10% cash back (of up to Rs. 2,500) in the first 90 days of card issuance. You need to make minimum 9 transactions (of total Rs. 10,000 or more) to avail this offer.
  • Get voucher of Rs. 2,000 Cleartrip on your first transaction
  • Get 3X rewards on Telecom, Hotels, and Dining for first 12 months starting from the date of card issuance.

 Features & benefits:

  • Get waiver on fuel surcharge (of maximum Rs. 250 per calendar month) for transactions between Rs. 400 and Rs. 4,000 at any petrol/fuel pump across India.
  • Avail attractive discounts on Movies, Restaurants, Flights, and more
  • Air Miles can be converted on Jet Airways and Singapore Airlines
  • Get Rs. 500 worth (maximum of Rs. 3,000 in a year per cardholder) entertainment ticket voucher on spending Rs. 50,000 or more in a calendar month.
  • Experience pleasant dining with up to 15% discount at over 1,000 partner restaurants in major cities.
  • You can avail insurance against the loss of credit card or its misuse

Renewal fee:

  • This card comes with NIL Joining Fee and Annual Fee

 Rewards & cashback offers:

  • Get 2 reward points for spending every Rs. 150
  • Get 5X rewards on purchases done after crossing Rs. 4 Lakhs spending milestone in a year (of maximum Rs. 10 Lakhs per year).

How to redeem rewards:

You can redeem reward points for a wide range of redemption options like garments, cosmetics, home appliances, gift vouchers, airline miles, donation to charities, and so on.

To redeem reward points, you can opt for any of the below options:

  • Access the online catalogue for Credit Card rewards on HSBC India’s website. You will have to register for Internet Banking to redeem your reward points online.
  • Download the rewards redemption form through HSBC India’s website and mail it to HSBC Credit Cards division.
  • Mail the form at Post Bag Number – 5080, Chennai – 600 028
  • Call HSBC India’s PhoneBanking number to request a redemption on the IVR

 Best suitable for:

People who travel frequently and loves shopping online

 Eligibility to apply for the card:

You age must be at least 18 years and have a minimum annual income of Rs. 4 Lakhs to avail this Credit Card


How to apply for this card?

You can apply for an HSBC Credit Card by:

  • Visiting the Credit Card section on their website and click apply now to apply
  • Calling HSBC’s Phone Banking numbers for home visit
  • Visiting the nearest HSBC branch near you

How much time it takes to receive the HSBC Credit Card?

Once your complete application form and required documents will be received by the bank, you will receive your card within 7 working days after approval of your application (which might take up to 2 weeks).

Can I change my PIN?

Yes, you can easily change your PIN at the ATM of HSBC anywhere in India and Overseas.

How long is the interest free credit period of HSBC Credit Card?

Interest free credit period provided for this card is up to 52 days.

What happens if my HSBC Credit Card expires?

You will automatically receive a new card within 2 to 3 weeks, if your existing card is about to expire?

3. Standard Chartered Priority Visa Infinite Credit Card

The Standard Chartered Priority Visa Infinite Credit Card is a lifetime free card that does not levy any annual fee and renewal fees. The card is for Priority Banking customers of Standard Chartered Bank. The card offers you personalised services and privileges to match your lifestyle.

Standard Chartered Priority Visa Infinite Credit Card

Introductory offers:

  • Enjoy four complimentary domestic airport lounge access every quarter on using your credit card.

Features & benefits:

  • The card is complimentary for the bank’s priority clients
  • Get 4 complimentary lounge access at domestic airports every quarter
  • Avail Priority Pass membership and get access to 1,000+ airport lounges worldwide at nominal charges. 
  • Be a member of Good Life programme and enjoy various discounts and offers on dining, travel, shopping, and much more.
  • With Standard Chartered’s complimentary overseas insurance plan, protect yourself against air accident by getting an accidental cover of Rs. 1.2 Crores and medical insurance of USD 25,000.

Renewal fee:

  • Joining Fee and Annual Fee for Standard Chartered Priority Visa Infinite Credit Card is NIL.

Rewards & cashback offers:

  • 5X reward points for spending every Rs. 100 overseas or on retail fashion.
  • 2X reward points for all other spends 

How to redeem rewards:

You can visit the official website of Standard Chartered Bank and go to their Credit Cards rewards program section. Explore the products, offers, and terms & conditions. Redeem your reward points instantly online.

Best suitable for:

People who are Priority Banking clients of the bank

Eligibility to apply for the card:

  • Age: 21 and 65 years
  • Applicant must have a stable monthly income
  • Applicant must belong to the Standard Chartered Bank’s Credit Cards sourcing cities/ locations.
  • All Credit Card applications are subject to credit and other policy checks by the bank


How much time it takes to get my Credit Card approved from the bank?

After successful submission of complete and accurate documents, it may take about 9 days to get your Credit Card approved.

What are the charges for using the card overseas?

3.5% transaction fee is levied on all overseas transactions

What all documents are required to avail this Credit Card?

You will be required to submit documents for Identity Proof, Address Proof,1 recent passport size photograph, and financial documents to apply for the card.

What are the charges for ATM withdrawals?

You will be charged 3% of cash withdrawal amount (a minimum of Rs. 300)

Does this card provide balance transfer facility?

Yes. You can transfer the balance (up to Rs. 5 Lakhs) of your existing Credit Card to this card at attractive interest rate.

4. Citibank Rewards Domestic Credit Card

Citibank Rewards Domestic Credit Card

The Citibank Rewards Credit Card is one of the Best Lifetime Free Credit Cards in India.

It gives you the best of everything including Reward Points on each card swipe, up to 15% savings at partner restaurants, amazing offers on online shopping, easy payment plans, instant loan on your card, and so on.

You can redeem all your points easily for attractive travel options, air miles, premium merchandise, cash back and much more.

Introductory offers:

  • Get 1,000 bonus points as welcome offer on spending first Rs. 1,000 within 60 days of card issuance.

Features & benefits:

  • Enjoy more than 6,000 offers on Dining, Movies, Shopping, Movies, and EMI
  • Reward Points accumulated through Citibank Rewards Domestic Credit Card never expire.
  • Personal Concierge Services: You can call your concierge anytime to help you with planning a party, making dining reservations, sending flowers, travel assistance, and much more. Call 1800-114-999.
  • Save up to 15% on dining across participating restaurants
  • You can choose easy EMI option at more than 2,000 mobile phone outlets, consumer electronics outlets, leading retail chains, and e-retailers.

Renewal fee:

  • The Annual Fee is NIL when you spend Rs. 30,000 or more using your card in a year. If annual spend is less than Rs. 30,000, an Annual Fee of Rs. 1,000 will be charged.

Rewards & cashback offers:

  • Earn 10X reward points for spending every Rs. 125 at Apparel and Department Stores
  • Reward points can be redeemed instantly at over 700 outlets & e-shopping partners
  • Earn 1 reward point for spending every Rs. 125 on your card anywhere.

How to redeem rewards:


Apply for SBI Credit Card


You can choose from a variety of attractive options for redeeming your reward points. You can redeem your points against in-store shopping, online shopping, air miles, cash back, and gift vouchers. Once you have decided the product/service for which you want to redeem your points, use your card to make purchase/booking at the respective outlet/website.

Best suitable for:

Indian citizens who are looking for the best rewards Credit Card at zero annual fee.

Eligibility to apply for the card:

  • Indian residents
  • Minimum age: 21 years


What is the interest rate on this card?

The card comes with an interest rate of 3.25% per month (39% per annum). The rate can change periodically depending on your spending, payback and utilisation patterns.

What is the cash advance fee on the card?

You will have to pay 2.5% on the amount withdrawn as cash advance fee (subject to a minimum of Rs. 500).

For whom can I take an add-on credit card?

You can take an add-on card for your spouse, parents, children (of above 18 years), siblings, parents-in-law, son-in-law, daughter-in-law, brother-in-law, and sister-in-law.

What are the modes for making my Credit Card payment?

You can make the card payment through any of these options: Citibank savings account, Citibank Mobile App, online payment from any other bank account, Epay, NEFT, Visa Money Transfer, Visa Money Transfer, Cheques, cash deposit at branch, or Automated Clearing System (NACH)

Can I get a loan against Citibank Rewards Domestic Credit Card?

Yes, the bank offers loan facility against your Citibank Rewards Domestic Credit Card

5. IndusInd Bank WorldMiles Credit Card

IndusInd Bank WorldMiles Credit Card

The IndusInd Bank WorldMiles Credit Card is ideal for travel. It comes with a zero annual fee and a range of exciting benefits. Get amazing benefits and privileges with the IndusInd Bank WorldMiles Credit Card. The card is smartly designed to cater to your superior lifestyle. With so many customised privileges for travel, golf, and life, you will find the best features in your WorldMiles Lifetime Free Credit Card.

Introductory offers:

  • IndusInd Bank in association with Jet Airways, offers you a one-way flight ticket to your desired destination. You will get 100% discount on the base fare as well as fuel charges. You will get a promo code on your registered mobile number & email ID. Make sure that the booking and journey dates are within the expiry date of the promo code.

Features & benefits:

  • Get complimentary WorldMiles Golf membership with your IndusInd Bank WorldMiles Credit Card and enjoy access to some of the premium golf courses in India and learn from amazing qualified golf instructors.
  • Get complimentary membership to WorldMiles Life and enjoy amazing benefits mentioned below:
  • BOGO offer on all movie tickets booked through BookMyShow. The offer can be availed twice a month. Free ticket price is capped at Rs. 200.
  • BOGO offers on movie tickets for Sathyam Cinemas in Chennai. You can get up to 4 free tickets in a month. You can make bookings through
  • Get various benefits under WordMiles Travel
  • Priority Pass Program: Super saver travel offers, access to over 700 VIP lounges across the world.
  • Travel Plus Program: Get special waivers on charges of lounge usage outside India. In coalition with ICICI Lombard General Insurance Company Ltd, you get the insurance cover for lost/ delayed baggage, loss of passport, loss of ticket, and missed connection.
  • Enjoy free assistance for trip, hotel reservations, flight bookings, sports & entertainment bookings, exclusive booking, and flowers & gifts under WorldMiles Concierge.
  • Enjoy 1% surcharge waiver on petrol prices on all Indian pumps under WorldMile Freedom.
  • Get protection against unauthorised transactions in case of theft/loss of card, counterfeit fraud, and air accident under WorldMiles Assurance.
  • With WorldMiles Auto Assist, get assistance for a flat tire, vehicle breakdown, loss of keys or any other emergency with your car happened on the road.

Renewal fee:

  • The Annual Fee for the card is NIL.

Rewards & cashback offers:

  • Earn FlightMiles on every flight & airline for domestic as well as international travel
  • For spending every Rs. 100 on shopping, movies, dining, or more, get rewarded with SpendMiles.
  • SpendMiles earned in the month get transferred to the WorldMiles account of the cardholder.
  • Earn 3 SpendMiles for spending every Rs.100 with your IndusInd Bank WorldMiles Signature Credit Card and 2 SpendMiles on IndusInd Bank WorldMiles Platinum Credit Card
  • For spending every Rs. 100 on hotel bookings through, earn 3 PartnerMiles.

How to redeem rewards:

You can visit to redeem your WorldMiles for free air-tickets of any airline in India, without any hidden charges, taxes, or restrictions.

Best suitable for:

This card is best suitable for frequent flyers and travelers.

Eligibility to apply for the card:

  • Indian residents with a regular income


How can one become a member of the IndusInd Bank’s WorldMiles travel loyalty program, or if I have a previous Deutsche Bank WorldMiles card?

You need to get IndusInd Bank WorldMiles Credit Card to be a member of IndusInd Bank’s WorldMiles travel loyalty program.

What services are provided under WorldMiles Auto Assist?

With WorldMiles Auto Assist, you can avail roadside repair, emergency fuel supply, flat tyre, lost keys, emergency towing assistance, accident management, medical assistance, and battery services.   

Does this card offer travel insurance?

Yes, you get the insurance cover for lost/ delayed baggage, loss of passport, loss of ticket, and missed connection under Travel Plus Program.

Where can I redeem my WorldMiles?

You can visit to redeem your WorldMiles for free air-tickets of any airline in India, without any hidden charges, taxes, or restrictions.

Does this card provide concierge service?

Yes, under WorldMiles Concierge program, you can enjoy free assistance for trip, hotel reservations, flight bookings, sports & entertainment bookings, exclusive booking, and flowers & gifts.


Now, you are well-versed with some of the Best Credit Cards for Salaried Individuals in IndiaSo, go ahead and sign up for them based on your individual needs and preferences. Being aware of the various lifetime free cards available in the market is imperative if you want to take advantage of zero annual fees as well as get your hands on the best and most amazing offers that come with these cards.


Also Read: Is It Possible to Build Your Credit History Without a Credit Card?


To apply online for Lifetime Free Credit Cards, Secured Loans and Unsecured Loans, visit, the leading online lending marketplace that offers financial products from 100+ Banks and NBFCs. We have served 4 million+ happy customers since 1989.


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