Credit Cards · Lifetime Free
Best Credit Cards for Lifetime Free
Lifetime free credit cards charge no annual or joining fee, ever. Ranked below by base reward rate among cards with ₹0 fees.
Ranked
32 cards ranked for lifetime free
Scapia Federal Bank Credit Card
Scapia
10.00%
base reward rate
- ✓Lifetime free — no joining or annual fee
- ✓0% forex markup — no foreign transaction fee
- ✓10% Scapia rewards on all online spends
SBM Novio RuPay Credit Card
SBM Bank
5.00%
base reward rate
- ✓Lifetime free — no joining or annual fee
- ✓FD-backed secured card (minimum FD ₹5,000)
- ✓5X Novio Coins on all UPI and card spends
IDFC FIRST Classic Credit Card
IDFC FIRST Bank
3.00%
base reward rate
- ✓Lifetime free — zero joining and annual fee
- ✓6X rewards on online shopping, dining, and entertainment
- ✓3X on all other spends
IDFC FIRST Wow Black Credit Card
IDFC FIRST Bank
3.00%
base reward rate
- ✓FD-backed secured card — guaranteed approval with fixed deposit
- ✓Lifetime free — zero annual and joining fee
- ✓6X rewards on shopping, dining, and entertainment
HSBC Platinum Credit Card
HSBC
2.00%
base reward rate
- ✓Lifetime free — zero joining and annual fee
- ✓4X rewards on dining and online shopping
- ✓2X on all other spends
SBM Magnet Credit Card
SBM Bank
2.00%
base reward rate
- ✓5% cashback on online shopping and dining
- ✓2% flat cashback on all other spends
- ✓Instant cashback — no points conversion needed
Axis Bank LIC Signature Credit Card
Axis Bank
2.00%
base reward rate
- ✓Lifetime free — zero joining and annual fee
- ✓2X rewards on LIC premium payments
- ✓2 domestic lounge visits per quarter
IndusInd Bank Legend Credit Card
IndusInd Bank
2.00%
base reward rate
- ✓Lifetime free — zero annual and joining fee
- ✓2X weekend rewards across all categories
- ✓4X on shopping, dining, and entertainment
AU Bank SwipeUp Credit Card
AU Small Finance Bank
1.50%
base reward rate
- ✓Lifetime free — zero joining and annual fee
- ✓4% cashback on online shopping
- ✓3% on dining and entertainment
Kiwi UPI Credit Card
Kiwi
1.50%
base reward rate
- ✓Lifetime free UPI credit card via Kiwi app
- ✓1.5% flat cashback on all UPI credit transactions
- ✓3% cashback on shopping and dining
Standard Chartered Smart Credit Card
Standard Chartered Bank
1.50%
base reward rate
- ✓6% cashback on online spends (capped ?1,000/month)
- ✓1.5% cashback on all offline spends
- ✓Lifetime free � no annual fee
AU Ixigo Credit Card
AU Small Finance Bank
1.00%
base reward rate
- ✓Lifetime free — no joining or annual fee
- ✓20 reward points per ₹200 spent on train bookings via ixigo
- ✓1 reward point per ₹200 on all other spends
AU Bank Secured Credit Card
AU Small Finance Bank
1.00%
base reward rate
- ✓FD-backed secured credit card — 100% guaranteed approval
- ✓Lifetime free — zero annual and joining fee
- ✓Build or rebuild credit history safely
AU Bank SwipeUp Platform Credit Card
AU Small Finance Bank
1.00%
base reward rate
- ✓Secured credit card on the AU SwipeUp digital platform
- ✓Zero joining and annual fee
- ✓3% cashback on online shopping
RoarBank RuPay Credit Card
Roarbank
1.00%
base reward rate
- ✓Lifetime free RuPay credit card via RoarBank app
- ✓UPI payments with credit — use on Google Pay, PhonePe
- ✓3% cashback on online shopping
RBL Bank Cookies Credit Card
RBL Bank
1.00%
base reward rate
- ✓5X reward points on all online spends
- ✓10% instant discount on BookMyShow, Zomato, Myntra, and Uber
- ✓1X points on all offline spends
Indian Overseas Bank ZET FD Credit Card
Indian Overseas Bank
1.00%
base reward rate
- ✓FD-backed secured credit card — zero credit risk
- ✓Lifetime free — no joining or annual fee
- ✓3% cashback on online shopping
IDFC FIRST WOW Credit Card
IDFC FIRST Bank
1.00%
base reward rate
- ✓FD-backed secured credit card — guaranteed approval
- ✓Lifetime free — zero annual and joining fee
- ✓3X rewards on online shopping and dining
HDFC Bank RuPay Platinum Credit Card
HDFC Bank
1.00%
base reward rate
- ✓Lifetime free RuPay credit card
- ✓UPI credit payments via PhonePe, Google Pay, BHIM
- ✓2X rewards on grocery and online shopping
Axis Cashback Credit Card
Axis Bank
1.00%
base reward rate
- ✓5% cashback on all online spends — no merchant restriction
- ✓1% cashback on offline and utility spends
- ✓Cashback credited directly to statement — no redemption
Axis Bank LIC Platinum Credit Card
Axis Bank
1.00%
base reward rate
- ✓Lifetime free — zero fees ever
- ✓1X rewards on all spends, 2X on online shopping
- ✓Fuel surcharge waiver at all petrol pumps
Axis Bank MY ZONE RuPay Credit Card
Axis Bank
1.00%
base reward rate
- ✓Lifetime free RuPay credit card with UPI support
- ✓Buy 1 Get 1 free movie tickets on BookMyShow (2/month)
- ✓4X rewards on entertainment and dining
Yes Bank KreditPe Lifetime Free Credit Card
Yes Bank
1.00%
base reward rate
- ✓Lifetime free — zero fees ever
- ✓3X rewards on online shopping and dining
- ✓1% fuel surcharge waiver
IndusInd Bank Platinum RuPay Credit Card
IndusInd Bank
1.00%
base reward rate
- ✓Lifetime free RuPay credit card
- ✓Works on UPI for seamless payments
- ✓2X rewards on grocery and online shopping
IndusInd Bank Tiger Credit Card
IndusInd Bank
1.00%
base reward rate
- ✓Lifetime free — zero joining and annual fee
- ✓6X rewards on online shopping and dining
- ✓2 domestic lounge visits per quarter
OneCard Credit Card
Federal Bank (OneCard - FPL Technologies)
1.00%
base reward rate
- ✓5X rewards on your top 2 spend categories — auto-detected each month
- ✓Metal credit card with no annual fee — lifetime free
- ✓Manage everything on OneCard app — real-time controls
Kotak 811 #DreamDifferent Credit Card
Kotak Mahindra Bank
1.00%
base reward rate
- ✓Lifetime free — zero annual and joining fee
- ✓Linked to Kotak 811 zero-balance digital savings account
- ✓2% rewards on online shopping
Amazon Pay ICICI Bank Credit Card
ICICI Bank
1.00%
base reward rate
- ✓5% cashback on Amazon for Prime members (3% for non-Prime)
- ✓2% cashback on Amazon Pay partner merchants
- ✓1% unlimited cashback on all other spends
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
0.75%
base reward rate
- ✓Lifetime free with no joining or annual fee
- ✓Up to 10X reward points on dining and travel spends
- ✓25% off up to 100 on movie tickets via Paytm, once a month
IDFC FIRST Select Credit Card
IDFC FIRST Bank
0.75%
base reward rate
- ✓Lifetime free card with no joining or annual fee
- ✓10X reward points on dining, travel, international spends and birthday spends
- ✓Quarterly complimentary domestic airport lounge access (spend-linked)
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
0.60%
base reward rate
- ✓Unlimited domestic lounge access
- ✓1.5% FX markup � among the best for international use
- ✓10X reward points on birthdays and special offers
Niyo Global Credit Card
Niyo
0.00%
base reward rate
- ✓Zero forex markup on all international transactions
- ✓Lifetime free — no annual or joining fee
- ✓Free international ATM withdrawals (up to 3/month)
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