Top Indian Bank Lifetime Free Credit Cards

In today’s fast-growing cashless economy, credit cards have revolutionised how India pays, enabling faster, safer, and more seamless contactless transactions.

According to RBI data, Indian banks have rapidly expanded their credit card portfolios, with the total number of cards reaching ₹10.89 crore as of January 2025. 

Breaking the myth that credit cards are only for the wealthy, the Indian Bank Lifetime Free Credit Card offers no joining or annual fees, easy eligibility, and low interest rates, making it perfect for first-time or entry-level users seeking smart financial convenience.

List of Indian Bank Lifetime Free Visa Credit Cards and their Benefits

If you want an easily accessible credit card that does not have an annual fee yet helps build a credit history, the Indian Bank Lifetime Free Visa credit card is a perfect choice.

IB Visa Bharat Credit Card

With zero joining fees, the IB Visa Bharat Credit Card is an excellent option for people looking for a basic shopping, travelling and dining experience.

The card appeals to entry-level users because of its ease of use, affordability, and attractive rewards. 

Benefits of IB Visa Bharat Credit Card

• No joining fees. 
• The card offers a revolving credit limit of ₹10,000 to ₹19,999.  

• Offers a 25% credit limit, meaning it is the maximum amount you can spend.   
• The minimum monthly payment is 10% of the outstanding balance. 
• There is no annual maintenance charge (AMC) involved. 
• The interest rate is 1.79% per month.
• Has a daily ATM cash limit of up to ₹8000 and an E-Com purchase limit of up to  ₹12000. 
• Visa Bharat Credit Card does not offer an add-on card or reward points program. 
• There are no EMI facilities in this card. 
• Users can utilise this card only within India. 

Owning an Indian Bank Visa Bharat Credit Card means you need to pay a bill every month, and that too on time. Use PICE for credit card bill payments. It is faster, smoother and completely secure.  

Now, we will mention some other Indian Bank credit cards with no joining fee and a low annual maintenance charge (AMC), which can be waived under certain conditions. 

IB Visa Gold 

IB Visa Gold Credit Card offers easy credit access, global acceptance, reward points on every purchase, and flexible repayment options.

It ensures secure transactions, low interest rates, and exclusive travel benefits.

Benefits of the IB Visa Platinum Credit Card include: 

• The revolving credit limit of the IB Visa Platinum ranges from ₹20,000 to ₹99,999. 
• Card owners have 40% of the credit limit. 
• The minimum monthly payment is 5% of the outstanding balance. 
• There is no annual maintenance charge (AMC) for the first year; from the second year onwards, the AMC is ₹250 if the transaction usage in the previous year exceeds ₹50,000. 
• The interest rate is 1.99% per month. 
• Offers an ATM cash limit up to ₹25,000 and an E-Com purchase limit up to ₹75,000. 
• The Visa Gold credit card allows its owners to have up to 4 add-on cards and one reward point for every ₹100 spent.  
• It offers EMI facilities. 
• After the first year, AMC is applicable if the previous year's transaction exceeds ₹50,000.    

IB Visa Platinum 

This Indian Bank lifetime free credit card offers privileges like worldwide acceptance, complimentary insurance coverage, fuel surcharge waiver, rewards on transactions, and shopping benefits, making it ideal for frequent travellers and premium users.

Benefits of the IB Visa Platinum Credit Card

• The revolving credit limit is ₹1 lakh or above. 
• Credit cash limit is 40%. 
• The minimum monthly payment is 5% of the outstanding balance. 
• Offers add-on cards up to 4 and 1 reward point for every ₹100 spent. 
• The interest rate for this card is 1.66% per month. 
• No AMC for the first year; ₹250 AMC applies from the second year if the previous year's transaction exceeds ₹50,000. 
• The ATM cash limit for this card is ₹50,000 per day, and the E-Com purchase limit is ₹1,50,000. 
• It offers EMI facilities. 

List of Indian Bank Lifetime Free Rupay Credit Cards and their Benefits

IB Rupay Classic Card

The IB RuPay Classic Credit Card is great for people looking for great deals and merchant offers with zero joining fees, reward points on shopping, fuel surcharge waiver, and secure contactless payments.

It supports UPI linking for seamless transactions and nationwide acceptance.

Benefits of the IB Rupay Classic Credit card include: 

• The revolving limit for this card ranges from ₹10,000 to ₹25,000. 

• Cash limit allowed under this card is 25% of the credit limit. 
• The minimum monthly spend is 5% of the outstanding balance.  
• The Rupay Classic card provides an EMI facility. 
• It does not include airport lounge access or a rewards program. 
• No AMC in the first year; from the second year onwards, if the previous year's transaction exceeds ₹50,000, an AMC of ₹250 is applicable.  
• The interest rate is 1.99% per month. 
• It allows up to 4 add-on cards. 

IB Rupay Platinum Card

Ideal for higher transactions, the IB Rupay Platinum card makes you feel like the world is your oyster.

Besides contactless payments, the card provides insurance coverage for emergencies such as accidental death and permanent disability.

Benefits of the IB Rupay Platinum Card

•  The revolving credit limit for this card ranges from ₹25,001 to ₹1,99,000. 
• It allows users to have a cash limit of 40%. 
• The interest rate is 1.66% every month.
• The minimum monthly payment for this card is 5% of the outstanding balance. 
• It provides airport lounge access. 
• The card comes with EMI facilities and up to 4 add-on cards. 
• There is 1 reward point for every ₹100 purchase. 
• The first-year AMC is nil; from the second year, an AMC of ₹250 is levied if the transaction in the previous year exceeds ₹50,000. 
• The daily ATM cash limit for this card is ₹50,000, and the E-com purchase limit is ₹1,50,000.  

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5 Tips to Maximise the Benefits of the Indian Bank Lifetime Free Credit Card

1. Provide a 100% Paid Statement

Providing a 100% paid statement will help you avoid interest rates on your purchases. It refers to the complete statement balance, which includes purchase details, fees and other charges. Use the PICE app to avail of a 100% paid statement hassle-free with just a few clicks. 

2. Track Reward Points

The Indian Bank Lifetime Free Credit Card, especially the Visa Gold, Visa Platinum, and Rupay Platinum cards, offer reward points for every ₹100 spent. Tracking those reward points will help you use them for future purchases and gain benefits. 

3. Avail Cashbacks if Possible

Use the credit card for regular mandatory spends, such as groceries, fuel, and utility bills, to earn more reward points and cashback. 

4. Choose the Right Type of Card

Each credit card offered by the Indian Bank has a different revolving credit amount and a unique set of benefits. Choosing the right card for your requirements will enable you to enjoy a cashless purchasing experience to the fullest. 

5. Opt for an Auto-debit Payment 

Opting for an auto-debit payment option will ensure that you are never behind on your credit card bill, so you can maintain the lifetime free status and avoid penalties. 

Conclusion

Now that you know the benefits of the Indian Bank Lifetime Free Credit Card, it is time to choose the most suitable option that matches your personal requirements. Checking the Indian Bank lifetime free credit card review online before applying is a smart move.

Although Indian Bank is discreet about the minimum income required to apply for a lifetime free credit card, it is ideal to choose a credit card that aligns with your income, debt-to-income ratio, credit history, and credit score. 

Do not miss out on your credit card bill payments on time with the PICE app. The automated payment reminder of the app is perfect for those who often forget the actual billing date because of their busy schedule. 

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