Top 10 lifetime Free Credit Card In India 2025

In India many people search for the best free credit card in India and there are many cards available which comes with no annual fees  and joining fees. And these cards gives many benefits to their user without taking any annual fees. There are many best lifetime free credit card, Most of the all banks launch their lifetime free credit card to attract user. If you  love to do shopping and do online purchase and you want to get more benefits then you can apply for a No annual fee credit card. It will cut down annual maintenance charges on card while providing best benefits with card.

Feature And Benefits Of Lifetime Free Credit Cards

Below are the features and benefits of Lifetime Free credit card:

• Users don’t need to pay any charges For joining and there is no annual fees with Lifetime Free credit cards
• These cards offers 1% Fuel surcharge wavier with every fuel transactions
• These card comes with many benefits like Airport lounge access, Discount on Shopping, dining, delivery of food and movie tickets
• These cards offers more benefits as welcome offer like bonus reward points, vouchers, OTT subscriptions, and many others
• These cards can be approved also with low income
• These cards eligibility criteria are simple.

Here are  Lifetime free credit cards list, check the details of card and choose best for you

Top 10 Lifetime Free Credit Cards in India 2025

Here are the list of top 10 best credit cards in India which comes with no joining fees and no annual fees and comes with many offers and rewards. Check the table below and choose the best card for you.

ALSO READ: Top 10 Credit Cards In India

List Of Top 10 Lifetime Free Credit Card

Here are the top 10 lifetime free credit cards, you can compare all cards and choose on of the best for you and you can apply for it from bank official website directly

1. FinBooster: Yes Bank – Bank Bazaar Co-Branded Credit Card

Core Features: This FinBooster: Yes Bank – Bank Bazaar Co-Branded lifetime Free Credit Card is best card for those who want to build a high credit score and good credit behavior. And you will also get your credit fitness reports that will help you to monitor regularly your financial health.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• You’ll get monthly credit fitness reports with real-time dashboard to track your credit score with FinBooster: Yes Bank – Bank Bazaar Co-Branded Best free Credit card. You’ll get access of this feature when you complete your first transaction with this card.
• It comes with NFC-enabled technology via that you can pay contactless
• It allows tracking of credit score with it’s credit strong report
• This card will give you insights to improve your credit score
• It covers you up to Rs. 2.5 lakh in the case of accidental death
• This card offers 1% fuel surcharge wavier at all fuel station on the transaction of Rs. 400 to Rs.5000
• It gives you option to convert your transactions into Emi of Over Rs.2500
• It offers 15% discount at selected restaurant with it’s dining fiesta programme

Rewards Redemption Options:

• There is 5X reward points on every spend on dining via online
• There is 3X reward points on spends for online grocery and online apparel purchase
• On every swipe of Rs. 200 at retail store you’ll get 2 reward points
• You can share your reward points with your family and friends member
• You can convert your reward points into cash and that will be directly credited to your savings account

2. RBL Bank BankBazaar SaveMax Credit Card

Core Features: RBL BankBazaar SaveMax Credit Card is a lifetime free credit card there is no annual or joining fees this card also gives complimentary monthly credit advisory from BankBazaar, that gives you option to track your spending and monitor your credit score. This cards also comes with more features like balance transfer, EMI conversion and a pre approved loan facility.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• This gives you a feature of Xpress Cash facility from that you can get instant funds into your account.
• You can get 10% cashback on Zomato and 10% cashback on BookMyShow by making transaction with this card
• RBL have their own RBL Bank My Card App from that you can manage your credit card and can pay utility bills and avail the offers and loans

Rewards Redemption Options:

• You can Earn 5X reward points on grocery spends via card you can avail maximum 1000 reward points per month
• You can earn 1 reward point on every spent of Rs. 100

3. HSBC Visa Platinum Credit Card

Core Features: If you love Shopping, dining and more travel and spent much money on fuel then this HSBC Visa Platinum forever free Credit Card is best for you. This card comes with some more premium features like zero lost card liability and emergency card replacement.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• When you completed your application process and video KYC then you’ll receive e-gift voucher of Amazon of worth Rs.250
• If you spent at least Rs.5000 within 30 days of card issuance you’ll get Rs.500 cashback by downloading and logging into the HSBC India Mobile App
• You can save up to Rs.3000 on fuel surcharge via this card
• You can earn 2 reward point on every spent of Rs.150
• You can convert your reward points into air miles with Air India’s Flying Returns, Etihad Airways, British Airways and Singapore Airlines
• If you spent Rs.4 lakh on any purchase, HSBC Visa Platinum cardholders receive five times of the reward points up to 15000 reward point in a year
• It gives up to Rs. 3 Lakh insurance coverage for any misuse of card if you lost your card and report it 24 hours before

4. Amazon Pay ICICI Lifetime Free Credit Card

Core Features: This card is best for those who do shopping on Amazon.in and have Amazon prime then there is 5% cashback on every purchase with no capping.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• This card comes with unlimited rewards and there is no expiration
• Reward points can be redeemed on Amazon.in for purchase from over 100 million products and also pay to more than 100 pay partner merchants
• You can avail No-Cost EMI option for 3 or 6 months via this card from Amazon.in
• 1 reward point is equals to Rs. 1, and this point auto credited to your Amazon pay account
• Amazon prime members will receive 5% cashback on shopping via Amazon.in
• Non prime members will receive 3% cashback for all purchase from Amazon.in
• There is 1% wavier on fuel transaction at all fuel refilling stations

5. ICICI Bank Platinum Chip Credit Card with No Joining Fees

Core Features: This card is best lifetime free credit card in India and this card is easy to manage.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• You’ll get 2 reward points for each spent of Rs. 100 at retail stores, excluding fuel.
• You’ll get 1 reward point for each spent of Rs. 100 on insurance and utility payments
• There is 1% surcharge wavier on fuel spent on over all HPCL pumps, maximum amount you can avail is Rs.4000
• This cards security is superb because it comes with chip that add extra security to this card
• It gives best offers for Visa Cardholders on luxury hotels, restaurants, lifestyle stores and spas

6. IDFC First Select Credit Card

Core Features: This card is best for those people who want all round benefits with their card with no annual fees and any charges lifetime. This card comes with low forex markup charge, and it comes with unlimited reward points and this card also give reward point on utility and rent payments

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• If you spend Rs. 15000 within 90 days then you’ll get gift voucher of worth Rs. 500
• If you make any EMI transaction within 90 days then you’ll get cashback of 5%
• This is best Lifetime free credit card in India
• It gives complimentary domestic airport lounge access
• It also comes with complimentary railway access
• You can avail buy one get one movie tickets with this card
• It gives 1 reward point for every spent of 150 Rs.
• And it gives 3 reward points for every spent of 150 Rupees for government services, education.
• It also offers 10X rewards on incremental monthly spend it depends on thresholds and also purchase on your birthday date
• This is best for who love shopping and traveling

7. IDFC First Millennia Credit Card

Core Features: This IDFC FIRST Millennia credit card gives you best offers and more rewards on every spent. Reward point will never expire with this card you can avail it anytime. This credit card comes with interest that will be 0.75% and 2.99% per month

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• Get 10X reward point to spent more than Rs. 20000 on card holder birthday
• If you spent up to Rs.20000 on online or offline via card, you’ll get 3X reward points
• This card offers unlimited reward points with not expiry
• Reward points are available for every spent through online and offline
• This have a best feature that is Balance transfer facility from other bank’s credit card
• This card offers 4 railway lounge access per quarter
• With this card you’ll get complimentary roadside assistance worth rupees 1399
• It comes with low forex exchange mark – up charge of 3.5% on all transaction
• If you purchase anything on Emi within 30 days of card activation, you’ll get 5% cashback of up to Rs. 1000
• You can get 25% discount on movie tickets on Zomato app up to Rs. 100
• It comes with 1% fuel surcharge wavier over all petrol pumps up to Rs. 200

8. Kotak 811 #dreamDifferent Credit Card

Core Features: Kotak 811 #dreamDifferent credit card offers only on fixed deposit. This is secured credit card in India. But it offers many benefits like fuel surcharge wavier, railway surcharge wavier and many offers if you reach milestones. If you Spent more then Rs. 75000 then you can get cashback or PVR Movie tickets.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• This card comes with 1% surcharge waived off on fuel up to rupees 3500 per year
• You will get 1.8% surcharge wavier on booking of railway tickets up to Rs. 500 via IRCTC Website and 2.5% on booking at railway ticket counter
• You’ll get 4 reward points on every spent of 100 rupees online
• You’ll get 1 reward point on spent of Rs. 100 on other platform
• You can withdraw cash from card up to limit of 90%
• If you withdraw cash via ATM or transfer fund then you should pay charges of 100 Rs. As processing fees
• If you transfer balance you’ll be charged Rs. 349 for Rs. 10000
• This card also offers facility of Add-On card
• If you reached at milestone you’ll get Amazon gift voucher of worth Rs. 1000

9. Indusind Bank Platinum Credit Card

Core Features: Indusind bank Platinum Credit Card is best for those who look for rewards most and you can redeem these points and can choose products, cash credit and many more.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• 1% fuel surcharge wavier across all fuel pumps in India on spent between Rs.400 to Rs.4000
• This card gives you air accident insurance that covers you up to Rs.25 lakh
• Also you’ll get baggage lost cover of up to Rs. 1 lakh
• You’ll get 1.5 reward point if you spent Rs. 150
• If you spent Rs.100 Via UPI then you’ll get 2 reward point
• You’ll get 1 Reward point on every non UPI transaction of 100 Rs.
• There are multiple option to redeem you reward points

10. AU LIT Credit Card

Core Features: AU Lit credit card is a customizable credit card you can modify or choose features according to your usage and lifestyle.

Joining Fees: NIL

Renewal Fees: NIL

Features And Benefits:

• You can earn 5X or 10X reward points for all domestic and international retail transaction
• You can earn 5X or 10X reward points for all POS and contactless domestic and international transaction
• You can earn maximum 10000 reward points in a billing cycle
• Reward point will not given for fuel, rent and cash withdrawal
• If you spent Rs. 100 for utilities and insurance, you’ll get base reward
• If you spent Rs. 100, you’ll get 1 reward point and 5% cashback for retail spent
• 1% fuel surcharge wavier for fuel transaction between Rs. 400 to Rs. 5000 at all over Fuel pimps in India
• You’ll get 2 complimentary domestic lounge access in a quarter
• If you card lost then you’ll be not liable for any fraudulent transactions made up to 1.5 Lakh or your credit limit

Frequently Asked Questions

Question 1.  Are there any other hidden charges if I opt for a lifetime free credit card?

Answer – No, there are no any kind of hidden charges if you choose for a lifetime free credit card. You need to pay only what you spend.

Question 2.  Which credit card is best and lifetime free?

Answer – Most of the cards which comes with no joining fees are best card and you can choose best one according to type of use.

Question 3.  Are lifetime free credit cards worth it?

Answer – Yes, lifetime free credit card is worth it because there are no any kind of joining and annual fees so it’s best card.

Question 4.  What’s advantage of free credit card?

Answer – There are many advantage of free credit card, these cards comes with many offers and rewards and there are no any annual or joining charges with these cards.

Question5.  Which bank gives lifetime free credit card?

Answer – Most of the all bank offers lifetime free credit cards, so you can choose lifetime free credit card from any bank

Question6.  How can I find lifetime free credit card?

Answer – To find lifetime free credit card in India you have to search on Google ‘lifetime free credit card  in India’ then you’ll see many options and you can apply from them