Credit cards are essential tools for managing finances, earning rewards, and enhancing purchasing power. However, many credit card users are deterred by the annual fees that come with certain cards. Fortunately, several banks in India offer lifetime free credit cards that allow users to enjoy the benefits of a credit card without having to worry about yearly fees.
Movies | Shopping
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Shopping | Food
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Movies | Travel | Dining | Fuel | Shopping
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Credit Card Name | Best For | Key Benefits | Annual Fee | Eligibility Criteria |
HDFC Bank Freedom Credit Card | Everyday Spending | - 2x Reward Points on dining, groceries, and utilities. - 1 Reward Point per INR 150 spent. - Complimentary airport lounge access. - Exclusive shopping offers. | Lifetime Free | Salaried individuals with INR 25,000+ monthly income. |
ICICI Bank Platinum Chip Credit Card | Shopping & Lifestyle | - 2 Payback points per INR 100 on dining, groceries, shopping. - 1 Payback point per INR 100 spent on other purchases. - Insurance benefits, including accidental death cover. | Lifetime Free | Minimum annual income of INR 2.5 lakh. |
Axis Bank ACE Credit Card | Online Shopping | - 5% cashback on Google Pay spends. - 2% cashback on bill payments, dining, and online shopping. - 1% cashback on other purchases. | Lifetime Free (Eligible Applicants) | Minimum annual income of INR 3 lakh. |
Standard Chartered Manhattan Platinum Credit Card | Shopping & Dining | - 5% cashback on groceries, dining, supermarkets. - 1% cashback on other purchases. - Welcome bonus points. - Shopping discounts with partner brands. | Lifetime Free | Annual income of INR 6 lakh+ |
SBI Card UNNATI | First-time Credit Card Users | - 1 Reward Point per INR 100 spent. - Exclusive discounts on dining and shopping. - No annual fee for the first 4 years. | Lifetime Free | Income of INR 3 lakh+ annually. |
RBL Bank Icon Credit Card | Lifestyle & Entertainment | - 10% cashback on movie ticket bookings. - 1 Reward Point per INR 100 spent. - Discounts on dining and entertainment. | Lifetime Free | Minimum annual income of INR 4 lakh. |
IndusInd Bank Legend Credit Card | Premium Lifestyle & Travel | - 1 Reward Point = ₹0.50. - 1 Complimentary domestic airport lounge access per quarter. - Exclusive travel benefits. - Discounts on dining and shopping. | Lifetime Free | Minimum annual income of INR 5 lakh. |
Credit Card Name | Why Choose This Card |
HDFC Bank Freedom Credit Card | Ideal for everyday spenders, with high rewards on groceries, dining, and utilities. Plus, complimentary airport lounge access is a great perk. |
ICICI Bank Platinum Chip Credit Card | A great option for shopping and dining lovers, offering excellent rewards points for common expenses, along with an insurance benefit for added security. |
Axis Bank ACE Credit Card | Best for online shoppers with amazing cashback offers on Google Pay, bill payments, and dining. A cost-effective choice for those who shop and dine frequently. |
Standard Chartered Manhattan Platinum Credit Card | Perfect for frequent shoppers and diners, offering generous cashback on groceries and dining, along with shopping discounts and welcome bonus points. |
SBI Card UNNATI | Perfect for first-time credit card users, providing easy rewards on basic spending and no fee for the first 4 years, making it a great entry-level card. |
RBL Bank Icon Credit Card | Great for movie enthusiasts, with 10% cashback on movie bookings and additional rewards for dining and entertainment, making it a versatile card for lifestyle spenders. |
IndusInd Bank Legend Credit Card | Ideal for premium users, offering travel benefits, rewards, and complimentary lounge access, along with exclusive shopping and dining discounts. |
When choosing the best lifetime free credit card, consider the following factors:
Lifetime free credit cards in India offer a great way to enjoy the benefits of a credit card without the burden of annual fees. These cards allow you to earn rewards, enjoy discounts, and gain access to exclusive offers while keeping your expenses in check. The cards listed above are some of the best options available in 2025 and cater to various spending preferences, from everyday shopping to premium lifestyle benefits.
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