Top ICICI Bank Lifetime Free Credit Cards in India

ICICI Bank offers a wide range of credit cards to meet diverse financial needs, with some of the most popular being those that come without any joining or annual fees. These lifetime free credit cards provide users with financial flexibility, exciting rewards, cashback and more. Let us take a closer look at the various ICICI lifetime free credit cards and their features.

What Are the Types of ICICI Bank Lifetime Free Credit Cards? 

Lifetime free credit cards are the best option for students or people who are looking to build some credit with a cost-effective option. 

ICICI Bank offers several such cards with zero joining and renewal fees. Here's a quick look at them: 

1. ICICI Bank Instant Platinum Credit Card

2. ICICI Platinum Chip Credit Card

3. ICICI Bank Parakram Select Credit Card

4. Amazon Pay ICICI Credit Card

What are the Features and Benefits of ICICI Lifetime Free Credit Cards? 

From cashback and reward points to fuel waivers and exclusive offers, ICICI lifetime free credit card benefits cater to every spender in one way or another. A recent update adds to these perks, where the Amazon Pay ICICI Card now features a reduced forex fee, effective from October 11, 2025.

Let us take a look at some other features and benefits you can avail by applying for such cards: 

Card Name	Features
ICICI Bank Instant Platinum Credit Card	Earn 2 ICICI Bank reward points on every ₹100 you spend on all purchases except fuel
	Gain a 25% discount up to ₹100 every time you buy a couple of tickets on BookMyShow. You can avail this offer twice a month.
	Avail a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 made at HPCL fuel stations
ICICI Platinum Chip Credit Card	Every time you spend ₹100 on retail spends, you will earn 2 ICICI Bank reward points. Whereas you will earn 1 reward point every time you spend ₹100 on utility and insurance.
	Earn from 6x to 12x reward points on iShop
	Get dining discounts with the Culinary Treats Programme
ICICI Bank Parakram Select Credit Card	Enjoy 2 complimentary lounge accesses each at both domestic and international airports
	Avail a 1% fuel surcharge waiver on all transactions made at any fuel station
	Get a complimentary golf round per month on spending over ₹50,000 in the previous month
	Get a personal accident insurance cover of ₹2 lakh and an air accident Insurance cover of up to ₹20 lakh
Amazon Pay ICICI Credit Card	Enjoy up to 4% cashback on iShop
	Get 1% surcharge waiver for all fuel purchases
	5x rewards points for Prime members and 3x for non-Prime members on every ₹100 spent

What are the Fees and Charges Associated with ICICI Lifetime Free Credit Cards? 

While ICICI lifetime free credit cards come with zero joining and annual fees, certain transactional or service-related charges may apply, as outlined below: 

Fees	Instant Platinum	Platinum Chip	Parakram Select	Amazon Pay ICICI
Interest on Late Payment	2.49%	3.75%	3.75%	3.75%
Fees on Cash Withdrawal	3.75%	3.75%	3.75%	3.75%
Late Payment Fees	₹100 to ₹1,300	₹100 to ₹1,300	₹100 to ₹1,300	₹100 to ₹1,300
Annual SupplementaryCard	₹199	₹199	₹199	NIL
Dynamic Currency Conversion	3.5%	3.5%	3.5%	1.99%

The above fees and charges are subject to change at the discretion of the bank. It is advisable to check the latest details on ICICI Bank’s official website before applying.

Avoid hefty penalties, high interest and a dip in your credit score by paying your ICICI credit card bills on time. Use the PICE App for one-click payments and smart reminders! 

Eligibility Criteria for ICICI Lifetime Free Credit Cards

The ICICI lifetime free credit card eligibility depends on the type of card you are applying for. Here are some common eligibility requirements.

• The applicant must be a citizen of India.
• You must be 21 to 60 years of age in case you are a salaried employee, and for self-employed personnel, the age limit can go up to 65 years.
• The applicant must have a decent credit score of 650 or above to apply for an ICICI lifetime free credit card.
• The applicant must have a stable source of income.

Steps to Apply for ICICI Lifetime Free Credit Cards

Let’s learn how you can apply for ICICI lifetime free credit card through your phone: 

Step 1: Visit the ICICI Bank official website. 

Step 2: Click on ‘Cards’ from the top menu.

Step 3: From the options, click on ‘Credit Cards’.

Step 4: Choose the ICICI lifetime free credit card that you want to get.

Step 5: Click on ‘Apply Now’.

Step 6: Your system will redirect you to another page.

Step 7: Enter your mobile number that is registered with your Aadhaar card number.

Step 8: Enter other details as requested, including the employment and income information.

Step 9: The authorised people at ICICI Bank will verify your documents and process the approval or rejection of your credit card.

Pro Tip: Make sure to read all the terms and conditions before you get an ICICI lifetime free credit card.

Which is the Best ICICI Lifetime Free Credit Card? 

More or less, all ICICI lifetime free credit cards have similar features. However, if you are looking for a credit card with a low interest rate on late payments, you can opt for the ICICI Bank Instant Platinum Credit Card. 

On the other hand, if you are an active shopper, you can choose the Amazon Pay ICICI Credit Card. This will provide you with lots of offers, discounts and reward points while shopping. 

If you are a defence personnel, working in the Indian military, the best option among the ICICI lifetime free credit cards would be the ICICI Bank Parakram Select Credit Card. It is designed specifically for military personnel, keeping their requirements in mind.

Conclusion

An ICICI lifetime free credit card is a great option for first-time users, as it comes with no annual or renewal fees, even if you do not use it frequently. However, it is important to clear your bills on time to maintain a healthy credit score. For timely payment reminders and one-click bill payments, download the PICE app!

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