Looking for a credit card that offers great benefits without burning a hole in your pocket? Lifetime free credit cards are your perfect companion, offering premium benefits with zero annual fees forever. In this comprehensive guide, we'll explore the best lifetime free credit cards in India for 2025, helping you choose the perfect card for your needs.
What is a Lifetime Free Credit Card?
A lifetime free credit card comes with no joining fee and zero annual charges for the entire duration of the card. This means you can enjoy all card benefits without worrying about yearly maintenance costs or minimum spend requirements for fee waivers.
Top Benefits of Lifetime Free Credit Cards
- Zero Annual Fees: No recurring charges throughout the card's lifetime
- Reward Points/Cashback: Earn up to 5% rewards on specific categories
- Airport Lounge Access: Complimentary visits to domestic and international lounges
- Welcome Benefits: Attractive joining bonuses and welcome gifts
- Merchant Offers: Exclusive discounts with partner brands
Best Features to Look for in Lifetime Free Cards
- Reward Rate: Check reward points or cashback percentage on different spending categories
- Reward Redemption: Flexible options like statement credit, travel miles, or shopping vouchers
- Additional Benefits: Look for features like lounge access, insurance coverage, and fuel surcharge waiver
- Merchant Partnerships: Special discounts and offers with popular brands
- Digital Features: Mobile app, contactless payments, and card controls
Smart Tips for Using Lifetime Free Cards
To maximize the benefits of your lifetime free credit card:
- Choose cards that align with your spending patterns
- Track reward point expiry and redemption options
- Maintain a good credit score by paying bills on time
- Compare different cards before applying
- Read the terms and conditions carefully
Common Questions About Lifetime Free Cards
Q: Are there any hidden charges?
While the card is free for life, standard charges like interest on revolving credit, late payment fees, and cash withdrawal charges still apply.
Q: Can my lifetime free card be converted to a paid card?
No, once issued as a lifetime free card, banks cannot charge annual fees later unless there's a change in regulatory requirements.
Q: Is there a limit to how many lifetime free cards I can have?
There's no specific limit, but banks consider your income and credit score for approval.
Here are the cards list:
Klick RuPay Credit Card
Yes Bank
A lifetime free RuPay credit card designed for UPI payments, offering rewards and cashback.
Free
Free
RuPay
Yes Bank Kredit.Pe Credit Card
Yes Bank
Lifetime free secured credit card with unlimited cashback on UPI and offline payments.
Free
Free
RuPay
Jupiter Edge RuPay Credit Card
CSB Bank
The 3-in-1 RuPay Credit Card: Switch between shopping, travel, and dining with assured cashback.
Free
Free
RuPay
Amazon Pay ICICI Bank Credit Card
ICICI Bank
Exclusive privileges for ICICI Bank customers, with unlimited cashback and no annual fees.
Free
Free
VISA
Federal Scapia Co-Branded Credit Card
Federal Bank
Scapia is built for travel lovers, allowing you to convert everyday expenses into travel experiences. Get the card instantly through a fully digital onboarding process on the Scapia app.
Free
Free
VISA
Shoppers Stop HDFC Bank Credit Card
HDFC Bank
Stay stylish all year round and earn rewards with every shopping spree. With the Shoppers Stop HDFC Bank Credit Card, Rewarding Styles are Ready For You.
₹299
₹299
RuPay
LIC Axis Bank Platinum Credit Card
Axis Bank
Enjoy a powerful reward program, fuel surcharge waiver, and complimentary insurance cover. Earn reward points on every spend and accelerated points on LIC premium payments and international transactions.
Free
Free
VISA, Mastercard
Axis Bank Privilege Credit Card
Axis Bank
Earn Axis EDGE REWARD points, complimentary lounge access, fuel surcharge waiver, and dining discounts with the Axis Bank Privilege Credit Card.
Free
Free
Mastercard
LIC Axis Bank Signature Credit Card
Axis Bank
Earn Reward Points on every spend and accelerated Reward Points on LIC premium payments and international transactions.
Free
Free
VISA
Uni Gold X Credit Card
Yes Bank
Earn 24K Gold as rewards with the Gold X Credit Card. Pay zero forex markup and no annual fees.
Free
Free
RuPay
AU Bank LIT Credit Card
AU Bank
The LIT Credit Card by AU Bank is a lifetime free credit card which you can customise as per your needs. You can switch on or off your features at your convenience and easily manage and track your expenses.
Free
Free
VISA
IDFC FIRST Select Credit Card
IDFC FIRST Bank
Lifetime-free credit card with premium benefits, never-expiring reward points, and exclusive travel and lifestyle privileges.
Free
Free
VISA
FIRST WOW! Credit Card
IDFC FIRST Bank
The FIRST WOW! Credit Card offers zero forex markup, interest-free ATM cash withdrawals for up to 45 days, and 4X reward points on travel spends.
Free
Free
VISA
IndusInd Legend Credit Card
IndusInd Bank
Enjoy world-class privileges on travel, dining, and shopping.
Free
Free
VISA
IndusInd Bank Platinum Visa Credit Card
IndusInd Bank
The IndusInd Bank Platinum Visa Credit Card offers a comprehensive range of travel and lifestyle benefits.
Free
Free
VISA
IndusInd Bank Platinum Aura Edge Credit Card
IndusInd Bank
The IndusInd Bank Platinum Aura Edge Visa and Mastercard Credit Card with the contactless feature enables you to make fast, convenient and secure purchases every day. Simply wave your credit card at merchant locations where contactless payment is accepted and you’re done.
Free
Free
VISA, Mastercard
IndusInd Bank Tiger Credit Card
IndusInd Bank
The IndusInd Bank Tiger Credit Card offers premium benefits, including accelerated rewards, lounge access, golf privileges, and a discounted forex markup fee.
Free
Free
VISA, Mastercard
Federal Bank Celesta Credit Card
Federal Bank
Premium credit card with exclusive travel, dining, and international spending rewards.
Free
Free
VISA
Federal Bank Imperio Credit Card
Federal Bank
Enjoy our bespoke 3-2-1 rewards structure curated for you & your family. Complimentary Lounge Access, Amazon Pay e-Voucher, BOGO INOX movie offers, and more.
Free
Free
VISA
Federal Bank Signet Credit Card
Federal Bank
A feature-rich credit card with accelerated rewards, complimentary lounge access, and exclusive offers.
Free
Free
VISA
One Credit Card
Federal Bank
India's best metal credit card. Built with full-stack tech. Backed by the principles of simplicity, transparency, and giving back control to the user.
Free
Free
VISA, Mastercard, RuPay
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Disclaimer:
The credit card information and recommendations provided are for general informational purposes only and do not constitute financial advice. While we strive to maintain accurate and current information, credit card offers, terms, and conditions may change without notice. Always verify all details directly with the card issuer before making any financial decisions. If you notice any inaccuracies, please contact us to help us maintain the quality of our content.