Best Lifetime Free Credit Cards in India 2025

If you are looking for maximum rewards from your credit cards without paying annual fees, opting for some of the best lifetime free credit cards can be a great choice. These cards have zero joining or renewal fees, making them the best option for budget-conscious cardholders.

Whether you are shopping online, dining at restaurants, or travelling, a lifetime free credit card offer you instant cashback, rewards, and benefits at no additional cost. 

However, it is essential to review their features, eligibility, and benefits before applying. Explore this blog to discover some of the top lifetime free credit cards that combine savings, convenience, and perks, all without the burden of yearly fees.

7 Top Lifetime Free Credit Cards in India in 2025

1. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a lifetime free card with no joining or annual fees, offering attractive rewards and travel benefits. Cardholders earn 2 reward points for every ₹150 spent and enjoy privileges like air miles conversion, fuel surcharge waiver, and dining offers. It is ideal for salaried individuals earning around ₹4 lakh or more annually.

2. Amazon Pay ICICI Credit Card

Amazon Pay ICICI credit card is a well-known card designed specifically for Amazon shoppers. It is a lifetime free credit card with no joining or annual fees, offering unlimited cashback on Amazon purchases. Using this card, shoppers can earn Amazon Pay Balance instead of points, turning the redemption process convenient and simple. Currently, this is one of the top lifetime free credit cards that has become popular among all.

Features and Benefits

• Avail 1% waiver on fuel surcharge across all fuel transactions.
• Offers 5X reward points for ₹100 spent, applicable for Amazon Prime members
• Offers 3X reward points for ₹100 you spend on Amazon as a non-Prime member
• Offers 2X reward points on every purchase you make from 100+ merchant partners
• Avail 1X reward points applicable for other transactions
• Earn 2% on money loading and reloading over Amazon Pay, paying bills, recharging mobile and DTH, gift cards (physical as well as digital), E-books, etc. 
• Avail attractive discounts on each dining transaction you complete with this credit card during the Culinary Treat programme. 

3. ICICI Bank Platinum Chip Credit Card

The ICICI Bank Platinum Chip credit card is ideal for individuals looking for credit cards with no joining or annual fees. The distinguishing feature of this card is its chip and PIN setup for security, and it also supports contactless payments for smooth checkouts. Additional benefits include a waiver of the fuel surcharge and discounts on dining.

Features and Benefits

• Avail a fuel surcharge waiver of 1% applicable for all transactions between ₹400 and ₹4,000 at every HPCL petrol pump. 
• This feature allows for easy conversion in case of large purchases. 
• This program provides each cardholder with the opportunity to redeem reward points across different categories. You can obtain 2 reward points for ₹100 spent at retail stores, excluding fuel. Also, get 1 reward point for ₹100 spent on utility and insurance. 
• Carry out a smooth, secure payment process through its built-in technology. There prevails additional security through the installed chip card. 
• Cardholders can avail themselves of dining discounts only under the Culinary Treat Programme. 
• Allows you to redeem reward points only for electronics, home appliances, fashion, lifestyle, health, beauty, travel and luggage, along with shopping vouchers. 

4. IDFC First Select Credit Card

The IDFC FIRST Select Credit Card is a lifetime-free premium card offering rewards, travel, and lifestyle benefits. It provides 10X reward points on spends above ₹20,000 per month and 6X on online purchases. Cardholders enjoy complimentary access to airport and railway lounges, a low 1.99% forex markup, travel insurance, and movie and dining discounts on popular brands.

Features and Benefits

• Avail a gift voucher of ₹500 once you complete transactions of ₹5000 within the initial 30 days of issuance of the card. These cards can be from Bigbasket, Amazon, Lifestyle, etc. 
• Allows you to withdraw cash from an ATM for 45 days. However, there is a one-time fee of ₹199+GST for cash withdrawal. 
• Avail a low markup fee of 1.99%.
• Each quarter, get access to up to 2 complimentary airport lounges. Alongside this, every quarter, you get four complimentary railway lounge accesses. 
• Offers a free trip cancellation cover of ₹10,000 on flight and hotel cancellations that are not refundable. Note that the maximum cover of ₹10,000 is shareable between Primary and Add-On cardholders and can be utilised to make up to 2 claims during the policy period. 
• Get a 10X rewarding value on the incremental spends when exceeding the amount of ₹20,000 on a statement cycle, and the entire transaction is made on your birthday.
• Collect 3X reward points on online and offline purchases of 3 categories that go up to ₹20,000.
• Earn 1X in the form of reward points when paying insurance companies and utility bills.
• It is worth noting that reward points obtained with the help of this credit card never run out.
• Gives 50X bonus reward points with hotel reservations as compared to normal reward points.
• Gives 20X reward points and a bonus, as opposed to regular 1X reward points given on flight bookings.
• Facility of Instant conversion of EMI on a transaction amount of ₹2,500 or above.
• The cashback of the card in the first 4 transactions will be 100% up to ₹200.
• Offers three times the reward points on your expenditures.
• Earn a 5% cashback (up to 1,000) on the amount used on your first EMI payment during the 30 days post card issuance (for transactions other than gold and jewellery).

5. IDFC First Millennia Credit Card

The IDFC FIRST Millennia Credit Card is one of the best lifetime free credit cards designed for millennials, offering 3X to 10X never-expiring reward points on purchases, including bonus points on birthdays. It provides 4 complimentary railway lounge visits per quarter, 25% movie discounts, dining offers up to 20%, 1% fuel surcharge waiver, and low interest rates from 0.75% per month. 

Features and Benefits

• Provide a gift voucher of ₹500, spending 5000 and more on different brands, including Amazon, BigBasket, Uber and Lifestyle within 30 days of card issue.
• The cardholders will receive a cashback of 5% of their first EMI payment made within 30 days of card generation to a maximum of ₹1000.
• Gives a discount of 25% on the movie tickets, a 20% discount in over 1,500 restaurants and 15% in over 300 health and wellness outlets.
• Provides 10X reward points on a spend exceeding ₹20,000 on cardholder birthdays.
• The card will offer 3X reward points on spending up to ₹20,000 on online and offline purchases.
• The card has 1X reward points on payments of Insurance premiums and Utility bills.
• This credit card enables cardholders to easily convert transactions with a value of over ₹2500.
• The offer provides 3X rewards points on all UPI transactions.
• The card provides up to ₹200 cashback on the initial four dealings.
• The offer includes a minimal interest rate of 8.50%.
• This card provides four free railway lounge access all over the country every quarter.
• Provides personal accident cover and loss of card of ₹2 lakh and ₹25,000, respectively. 
• Provides free roadside assistance valued at ₹1,399, available 3 times annually or four times.
• Every ₹150 spent on booking hotels will reward you with 50 reward points, and every ₹150 spent on flight bookings will earn you 20 reward points.

6. Kotak 811 #DreamDifferent Credit Card

Kotak 811 #DreamDifferent credit card is one of the top lifetime free credit cards backed by a fixed deposit. This is a type of secured credit card that includes a railway surcharge waiver, waiver of fuel surcharge and other offers. If the cardholder spends ₹75,000+, they can achieve the milestone program with bonus offers, either as cashback or PVR tickets. 

Features and Benefits

• Cardholders with transactions between ₹500 and ₹4,000 (Maximum ₹3,500 per year) on all petrol pumps will be able to have their fuel surcharge waived.
• 1.8 per cent railway surcharge waiver of up to ₹500 to be obtained in case of booking on the IRCTC website, and 2.5 per cent to be obtained in case of booking at the railway counter.
• Earn 4 Reward Points on transactions of ₹100 on online spends that will take place on the 811 variants of the Rupay credit card, the #DreamDifferent variant. It is also available on the 811 #DreamDifferent Credit Card, which earns 1 Reward Point for offline purchases.
• No less than 90% of the total credit limit may be drawn. In case of ATM withdrawal and Funds Transfer, there is a processing fee of ₹100. Cash advance will not have an interest charged within 48 days.
• This credit card also has a balance transfer facility. Note that in the case of balance transfer, a process charge of ₹ 349 is applied to each transfer for every ₹10,000.
• With this credit card, the add-on card will receive benefits similar to those of the main credit card.
• You are also able to impose a spending limit on your add-on credit card and have a record of your spending elsewhere.
• Milestone benefit of the card in the form of up to ₹1000 and a ₹250 Amazon voucher on spending in the anniversary year within the range of ₹72,000 and ₹36,000, respectively.
• The card is also valid for cashback, offering customers a ₹750 cashback when spending up to ₹75,000 in a year.

7. IndusInd Bank Platinum Visa Credit Card

The IndusInd Bank Platinum Visa credit card is a reward-based card that offers you value back on each of your transactions. It also allows you to redeem points against several options, including cash credit, Air miles and products/vouchers from the respective catalogue of rewards. 

Features and Benefits

• Claim a 1 per cent fuel surcharge waiver at all petrol stations in India.
• In this credit card, you have an insurance cover of up to ₹25,000 on air accidents, up to ₹1 lakh on lost baggage and up to ₹50,000 on loss of passport during travelling.
• This credit card is also provided to compensate up to ₹25,000 in case of a lost ticket and to cover expenses of up to ₹25,000 due to a missed connection and delayed baggage.
• Platinum Welcome offer customers have an opportunity to receive a gift voucher on purchases made at Montbalnc, Postcard Hotel, Vouchagram Discounts, and Vouchagram Premium.
• 1 and a half reward points will be earned each time you spend ₹150.
• Possesses several reward redemption systems.
• Associates UPI with credit cards.
• The offers provide full coverage against the risk of card loss due to fraudulent use.

What are the Eligibility Criteria Applicable for Lifetime Free Credit Cards?

Usually, the best lifetime free credit cards in India comprise easy and relaxed eligibility criteria. The eligibility conditions vary from one issuer to another; however, there are some common factors, such as:

• Minimum Age: 18 years
• Resident: Indian or Non-Indian Resident
• Employment: Salaried or self-employed
• Credit Score: Depends on the issuer

However, make sure to go through the required eligibility conditions as required by the respective card issuer before you choose your preferred credit card. 

How to Apply for a Lifetime Free Credit Card in India Online?

Applying for a lifetime free credit card in India online is a simple and easy process. Here are the detailed steps to follow:

Step 1: Go to your insurer’s website and choose the card you want. 

Step 2: Visit the eligibility section of your card and check it.

Step 3: If you are eligible, click on the ‘Apply’ button and then enter all relevant details. Further, click on ‘Submit’.

Step 4: Upload the necessary documents and then click on ‘Submit’ again.

After successful submission of the application form with relevant documents, you will be sent an 'Application ID'. Use the ID further for tracking the application status. 

Once you receive the credit card, you can easily and securely pay your bills and enjoy smooth transactions with the PICE App. 

Conclusion

By opting for the top lifetime free credit card, you can experience benefits without concern for hidden charges. From offering discounts to cashback, these credit cards can fit your spending habits and lifestyle. Most importantly, if you are not sure how to check if your credit card is free for life, go through the terms and conditions of your bank before applying. 

So, why wait any longer?

Visit the PICE App to find out how to pay credit card bills within minutes and experience hassle-free spending with credit cards.