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.


SBI SimplyCLICK Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Amazon Gift Card Worth Rs. 500


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.


American Express Membership Rewards® Credit Card

Joining Fee

₹1,000 + GST

Renewal Fee

₹1,000 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Welcome benefit of 4,000 Bonus Membership RPs can be availed on settling the joining fee of Rs. 1,000 and spending of Rs 15,000 within the first 90 days of the card issuance.


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


Axis Bank Atlas Credit Card

Joining Fee

Rs. 5,000 + GST

Renewal Fee

Rs. 5,000 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

2,500 Edge Miles on Completing 1 Transaction Within 30 Days of Card Issuance


IndusInd Bank Pinnacle World Credit Card

Joining Fee

Rs. 14,999 + GST

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Choose any one benefit from, a Luxe gift card, a complimentary night stay at Oberoi hotels, or gift vouchers from brands like Hush Puppies, BATA, Titan, Pantaloons, Raymond, etc.


HDFC Bank INFINIA Metal Credit Card

Joining Fee

₹12,500 + GST

Renewal Fee

₹12,500 + GST

Best Suited For

Travel | Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.


BOBCARD ETERNA Credit Card

Joining Fee

Rs. 2,499 + GST

Renewal Fee

Rs. 2,499 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

6-month FitPass Pro membership worth Rs. 15,000 and 10,000 bonus reward points.


 

Top Rewards Credit Cards in India for 2025

Credit Card NameBest ForKey BenefitsAnnual FeeEligibility Criteria
HDFC Bank Regalia Credit CardPremium Lifestyle- 2 Reward Points per INR 150 spent on all categories. - Complimentary lounge access. - Travel benefits, including a free annual membership to Priority Pass.₹2,500Minimum annual income of INR 6 lakh.
ICICI Bank Coral Credit CardDining & Shopping- 2 PAYBACK points for every INR 100 spent on dining, groceries, and shopping. - 1 PAYBACK point per INR 100 spent on all other purchases. - 15% discount at select restaurants.₹500Minimum annual income of INR 3 lakh.
Axis Bank Privilege Credit CardTravel & Shopping- 3 Reward Points per INR 200 spent on shopping. - 2 Reward Points per INR 200 spent on dining. - Free airport lounge access.₹1,500Minimum annual income of INR 5 lakh.
Standard Chartered Manhattan Platinum Credit CardShopping & Dining- 5% cashback on groceries and supermarkets. - 1% cashback on all other spends. - Exclusive shopping and dining offers.₹2,500Minimum annual income of INR 6 lakh.
SBI Card ElitePremium Lifestyle- 2 Reward Points for every INR 100 spent. - Complimentary access to domestic and international airport lounges. - Movie and dining benefits.₹4,999Minimum annual income of INR 6 lakh.
RBL Bank World Safari Credit CardTravel & Luxury- 10x Reward Points on international spends. - Complimentary airport lounge access. - Exclusive benefits at luxury hotels and travel partners.₹4,999Minimum annual income of INR 8 lakh.
IndusInd Bank Pinnacle Credit CardHigh-Value Rewards- 3 Reward Points per INR 100 spent. - Complimentary airport lounge access. - Lifestyle and travel offers at premium locations.₹2,500Minimum annual income of INR 7 lakh.

 

Why We Choose This Card

Credit Card NameWhy Choose This Card
HDFC Bank Regalia Credit CardBest for frequent travelers who seek premium benefits. This card offers generous rewards on all purchases, including travel perks and lounge access.
ICICI Bank Coral Credit CardA great option for foodies and shoppers with its high rewards on dining and shopping. It also offers discounts at restaurants, making it a great choice for dining lovers.
Axis Bank Privilege Credit CardPerfect for those who love shopping and dining, with high rewards points on both categories. It also offers complimentary lounge access and great travel benefits.
Standard Chartered Manhattan Platinum Credit CardIdeal for those who frequently shop for groceries and dine out, offering high cashback and discounts at select brands and restaurants.
SBI Card ElitePerfect for premium lifestyle spenders with superior rewards and an array of benefits, including free lounge access and special movie and dining offers.
RBL Bank World Safari Credit CardExcellent for travelers who frequently shop internationally, offering 10x rewards on international spends, luxury hotel perks, and complimentary lounge access.
IndusInd Bank Pinnacle Credit CardGreat for those seeking high-value rewards and luxury benefits. With premium rewards points on all purchases and exclusive offers, it suits high spenders.

 

How to Choose the Best Rewards Credit Card for You?

When selecting the best rewards credit card, consider the following:

  • Spending Habits: Choose a card that aligns with your primary spending categories, whether it's dining, shopping, travel, or groceries.
  • Rewards Program: Look for cards that offer higher reward rates for the types of purchases you make most frequently.
  • Eligibility Criteria: Ensure that you meet the eligibility requirements, such as minimum income levels and credit score.
  • Additional Benefits: Evaluate cards with added benefits such as lounge access, discounts, and insurance coverage, which enhance the value of the card.

 

Conclusion

Rewards credit cards offer an excellent way to maximize your spending by earning points, cashback, and exclusive benefits. Whether you are a frequent shopper, traveler, or foodie, the cards listed above cater to a variety of needs and spending preferences. Choose the one that suits your lifestyle best, and start enjoying the benefits today without worrying about annual fees.

SimpleTransparentSecure

Get a Loans Quickly