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.


IDFC FIRST Millennia Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Shopping

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation


IDFC FIRST Select Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Vouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.


EazyDiner IndusInd Platinum Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Food

Reward Type

Reward Points

Welcome Benefits

3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints


Amazon Pay ICICI Bank Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Cashback and Discounts Up to Rs. 2,000 and Free 3-Month Prime Membership


Axis Bank Neo Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping | Food

Reward Type

Reward Points

Welcome Benefits

Get 100% cashback up to Rs. 300 on your first utility bill payment within 30 days of getting the card.


IndusInd Legend Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


HSBC Visa Platinum Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


AU Bank LIT Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Travel | Dining | Fuel | Shopping

Reward Type

Reward Points

Welcome Benefits

N/A


 

Top Lifetime Free Credit Cards in India for 2025

Credit Card NameBest ForKey BenefitsAnnual FeeEligibility Criteria
HDFC Bank Freedom Credit CardEveryday Spending- 2x Reward Points on dining, groceries, and utilities. - 1 Reward Point per INR 150 spent. - Complimentary airport lounge access. - Exclusive shopping offers.Lifetime FreeSalaried individuals with INR 25,000+ monthly income.
ICICI Bank Platinum Chip Credit CardShopping & 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 FreeMinimum annual income of INR 2.5 lakh.
Axis Bank ACE Credit CardOnline 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 CardShopping & Dining- 5% cashback on groceries, dining, supermarkets. - 1% cashback on other purchases. - Welcome bonus points. - Shopping discounts with partner brands.Lifetime FreeAnnual income of INR 6 lakh+
SBI Card UNNATIFirst-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 FreeIncome of INR 3 lakh+ annually.
RBL Bank Icon Credit CardLifestyle & Entertainment- 10% cashback on movie ticket bookings. - 1 Reward Point per INR 100 spent. - Discounts on dining and entertainment.Lifetime FreeMinimum annual income of INR 4 lakh.
IndusInd Bank Legend Credit CardPremium Lifestyle & Travel- 1 Reward Point = ₹0.50. - 1 Complimentary domestic airport lounge access per quarter. - Exclusive travel benefits. - Discounts on dining and shopping.Lifetime FreeMinimum annual income of INR 5 lakh.

 

Why We Choose This Card

Credit Card NameWhy Choose This Card
HDFC Bank Freedom Credit CardIdeal 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 CardA 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 CardBest 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 CardPerfect for frequent shoppers and diners, offering generous cashback on groceries and dining, along with shopping discounts and welcome bonus points.
SBI Card UNNATIPerfect 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 CardGreat 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 CardIdeal for premium users, offering travel benefits, rewards, and complimentary lounge access, along with exclusive shopping and dining discounts.

 

How to Choose the Best Lifetime Free Credit Card for You?

When choosing the best lifetime free credit card, consider the following factors:

  • Spending Habits: Choose a card that aligns with your primary spending categories, whether it's shopping, dining, or travel.
  • Rewards Program: Look for cards with a high rewards rate for your most frequent purchases.
  • Eligibility Criteria: Ensure that you meet the eligibility requirements, such as minimum income levels.
  • Additional Benefits: Check for any additional perks like insurance coverage, airport lounge access, and shopping discounts.

 

Conclusion

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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