Best Lifetime Free Credit Cards in India
A lifetime free credit card is a type of credit card that does not charge any annual or renewal fees for the entire period that you hold the card. Some credit cards may initially have a yearly fee, but this fee can be waived if you meet certain criteria, such as spending a minimum amount annually. Once these conditions are met, the card is effectively considered a lifetime-free credit card, providing you the benefits of credit usage without the recurring cost of fees.
Best Lifetime Free Credit Cards in India 2026
| Card Name | Best Suitable For | Annual Fee |
|---|---|---|
| HSBC Visa Platinum Credit Card | Shopping & Rewards | Nil |
| ICICI Amazon Pay Credit Card | Online Shopping | Nil |
| IDFC Millennia Credit Card | Shopping & Rewards | Nil |
| HDFC TATA Neu Infinity Credit Card | Cash Back | Nil |
| Yes bank Kiwi Credit Card | Cash Back | Nil |
| AU Bank LIT Credit Card | Shopping & Rewards | Nil |
| Scapia Federal Bank Credit Card | Travel Benefits | Nil |
| EazyDiner IndusInd Bank Platinum Credit Card | Dining Benefits | Nil |
| UNI Gold X Credit Card | Rewards Benefits | Nil |
| Axis Neo Credit Card | Lifestyle & Dining | Nil (For Selected Channels) |
Top 10 Lifetime Free Credit Card: Features & Benefits
1# HSBC Visa Platinum Credit Card
- Key Features & Benefits:
- Earn rewards points on all purchases.
- Enjoy additional benefits on dining and fuel.
- Complimentary airport lounge access.
- Excellent for everyday shopping and travel expenses.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: This card is ideal for individuals seeking a comprehensive rewards program and travel benefits.
2# ICICI Amazon Pay Credit Card
- Key Features & Benefits:
- rewards points upto 5% on Amazon purchases*
- 1% Surcharge waiver
- Earn upto 4% cashback on iShop
- Excellent for everyday Amazon shopping.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: This card is ideal for online shopping and rewards benefits.
3# IDFC Millennia Credit Card
- Key Features & Benefits:
- Earn rewards points on all purchases.
- Higher rewards on online spending.
- Complimentary lounge access.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Best for millennials and Gen Z looking for high rewards and travel benefits.
4# HDFC TATA Neu Infinity Credit Card
- Key Features & Benefits:
- 1499 NeuCoins on Tata Neu App.
- 5% back as NeuCoins on non-EMI spending.
- Complimentary lounge access.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Best for rewards and travel benefits.
5# YES Bank KIWI Credit Card
- Key Features & Benefits:
- Get cashback on upi spending.
- Earn reward points on every transaction.
- This is for frequent online shoppers looking to earn cashback.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Perfect for those who prefer cashback, especially on upi transactions.
6# AU Bank LIT Credit Card
- Key Features & Benefits:
- Earn rewards points on all spends.
- Earn Cashback, Milestone benefits.
- Fuel surcharge waiver.
- Complimentary lounge access..
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Great for Rewards.
7# Scapia Federal Bank Credit Card
- Key Features & Benefits:
- EVISA + Free Rupay Credit Card
- 20% Scapia Coins on Travel Bookings
- Zero Forex Markup Fee
- Unlimited Domestic Lounge Access
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Great for travelers and rewards seekers.
8# EazyDiner IndusInd Bank Platinum Credit Card
- Key Features & Benefits:
- Earn 10 Reward Points on Dining
- Complimentary insurance for added security.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Best for dining & cashback.
9# UNI Gold X Credit Card
- Key Features & Benefits:
- Unlimited 7% back on booking flights from Uni Store
- 5% - 8% gold back on vouchers from top brands via the Uni Store
- 10% back on hotel stays
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Ideal for beginners and low-income individuals looking to build their credit.
10# YES ACE Credit Card
- Key Features & Benefits:
- Earn rewards points on all transactions.
- Exclusive offers on dining and travel.
- Fuel surcharge waiver.
- Joining Fees: Nil
- Annual Fees: Nil
Why Use This Card: Best for rewards and cashback benefits..
Lifetime Free vs No Annual Fee Credit Card
| Feature | Lifetime Free Credit Card | No Annual Fee Credit Card |
|---|---|---|
| Joining Fee | Nil | May have a joining fee |
| Annual Fee | Nil | No annual fee for the first year or if certain criteria are met later |
| Fee Waiver | Not applicable | Annual fee waived upon meeting conditions |
Lifetime free credit cards do not charge an annual fee ever, while no annual fee credit cards may waive the fee only for the first year or upon meeting certain criteria. Choose a lifetime free credit card for perpetual savings on annual fees. Opt for a no annual fee card if you can meet the spending requirements to waive off the fee.
Lifetime Free Credit Card Eligibility Criteria
- Age: 21-60 years
- Income: Varies by bank
- Credit Score: Good to excellent
How to Apply for a Zero Annual Fee Credit Card?
- Click on “Credit Card” in the header section
- Fill up your details on the credit card document form that opens.
- Submit the form to get a list of available offers.
- Choose the one that suits you best and click on ‘Apply’
- Submit the online application form and you will hear from our representatives if you are eligible.
- Alternatively, you can also connect with the credit card customer care of the provider to take things forward.
- Also check CIBIL score for credit card before applying.
FAQs
Yes, certain banks offer lifetime free credit cards without income proof, typically secured against a fixed deposit.
Yes, some banks offer zero annual fee credit cards to individuals with low credit scores, usually secured cards.
There are no hidden annual or renewal fees, but other charges like late payment fees and foreign transaction fees may apply.
Research online, compare offers from different banks and look for promotional deals.
Yes, but it may incur cash advance fees and interest charges.
The best card depends on individual needs; ICICI, HDFC, and SBI offer popular options.
The Yes Bank Prosperity Edge (Select) Credit Card offers complimentary lounge access.
You may incur late payment fees, increased interest rates, and a negative impact on your credit score.
Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.
Abhijeet Singh has comprehensive experience in business writing, content management, SEO, social media and user analytics. Key areas of expertise include stock markets and personal finance.