Best Lifetime Free Credit Cards in India
Cards with zero-fee or lifetime-free signals, separated from normal premium-fee cards.
Cards qualify when annual fee data is zero or current fee text contains lifetime-free/free-for-life language.
Some cards use conditional fee waivers. Check issuer terms for taxes, renewal rules, and exclusions.
Top Picks To Review First
Ordered by quality score, then card name. These are research starting points, not personalized recommendations.
| Card | Bank | Fee | Quality | Sources | Action |
|---|---|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | ICICI Bank | Fee: ₹0 | High · 80 | 4 | Details |
| AU Bank LIT Credit Card | AU Small Finance Bank | Fee: ₹0 | High · 80 | 3 | Details |
| IndianOil Axis Bank Credit Card | Axis Bank | Fee: Unknown | High · 80 | 2 | Details |
| Kiwi RuPay Credit Card | Axis Bank | Fee: ₹0 | High · 80 | 1 | Details |
| Scapia Federal/BoB Credit Card | Federal Bank | Fee: ₹0 | High · 80 | 1 | Details |
| Axis Bank Cashback Credit Card | Axis Bank | Fee: Unknown | Medium · 70 | 2 | Details |
| Fibe Axis Bank Credit Card | Axis Bank | Fee: Unknown | Medium · 70 | 1 | Details |
| HDFC Bank Swiggy Credit Card | HDFC Bank | Fee: ₹0 | Medium · 70 | 2 | Details |
Matching Cards
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ICICI Bank
Amazon Pay ICICI Bank Credit Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Whether you are a Prime member or occasional shopper – Amazon Pay ICICI card gives you the opportunity to save on every transaction, without any hassl...
Frequent shoppers and users who pay bills through credit cards.
High quality score (80) based on current website signals.
missing_rewards
1% surcharge waiver on fuel transactions of ₹400 to ₹4,000
Whether you are a Prime member or occasional shopper – Amazon Pay ICICI card gives you the opportunity to save on every transaction, without any hassle.
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AU Small Finance Bank
AU Bank LIT Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
Fuel: 1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.
reward rate: 0.25%
High quality score (80) based on current website signals.
missing_eligibility
Lifetime Free
The AU LIT Credit Card is a card that you can get for free for life. With this card, you can pick the benefits that suit your lifestyle & how you spend money.
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IndianOil Axis Bank Credit Card
Best for: Users comparing cashback or rewards-heavy cards.
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Fuel: Fuel surcharge waiver of 1% at any fuel outlet in India. Note: The offer is available for transactions between ₹200 and ₹5000. Maximum waiver of...
Read Also: Understanding the Difference Between Credit and Debt
High quality score (80) based on current website signals.
Fee details are incomplete or not clearly stated in the current dataset.
₹500; ₹500 (waived on ₹50,000 spend in a year)
Fuel: Fuel surcharge waiver of 1% at any fuel outlet in India. Note: The offer is available for transactions between ₹200 and ₹5000. Maximum waiver of ₹50 per statement cycle.
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Axis Bank
Kiwi RuPay Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
1 Kiwi = ₹0.25 (redeemable as statement credit)
At a 1.5% base cashback, the Kiwi RuPay Card may not sound extraordinary compared to cards like the Snapdeal BoB Credit Card or Tata Neu Infinity HDFC...
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
Details; NIL (Lifetime Free); Cashback Rate; The Kiwi RuPay Credit Card is completely Lifetime Free (LTF), making it one of the best no-fee UPI credit...
Fintech credit cards rarely manage to stand out in India’s crowded market, but the Kiwi RuPay Credit Card, issued in partnership with Yes Bank, is an exception.Designed specifically for frequent UPI users, this card rewards everyday payments with up to 5% cashback through its Kiwi Neon subscription.In this detailed...
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Federal Bank
Scapia Federal/BoB Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
The reward structure is simple but distinct. You earn “Scapia Coins” on every transaction.
Base Rate: 10 Coins per ₹100 spent (Effective Value: 2%).
High quality score (80) based on current website signals.
This card has limited source coverage in the current dataset.
₹0 (Lifetime Free)
Looking for a Zero Forex card with zero annual fees? The Scapia Credit Card now issued by both Federal Bank and Bank of Baroda delivers exactly that.
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Axis Bank
Axis Bank Cashback Credit Card
Best for: Travelers who value lounge access as part of card selection.
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The cashback structure on this card feels unnecessarily complicated for an entry-level product.
Axis Bank markets it with the highlight of ‘7% cashback’, but in practice, the effective rate never really crosses 5.6% because of the way the system...
Includes lounge-related benefits in the current card record.
Fee details are incomplete or not clearly stated in the current dataset.
Axis Bank introduced its Cashback Credit Card last year as a direct replacement for the Citi Cashback Credit Card after Citi’s exit from the Indian credit card market. Initially, the Axis Cashback Card was offered exclusively to existing Citi Cashback Cardholders as a migration option.
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Axis Bank
Fibe Axis Bank Credit Card
Best for: People willing to verify the source details directly before deciding.
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Fuel: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 Note: Maximum waiver of ₹4,000 per month.
Up to 3% cashback on food deliveries, entertainment and local commute 1% cashback on all other spending
Useful for comparison, but the current dataset does not show a standout signal yet.
This card has limited source coverage in the current dataset.
Fuel: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 Note: Maximum waiver of ₹4,000 per month.
Fuel: 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 Note: Maximum waiver of ₹4,000 per month.
HDFC Bank Swiggy Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
Cashback gets credited to statement directly
Swiggy spends includes: Food, Instamart, Dineout & Genie.
No annual fee signal detected from the current dataset.
missing_eligibility
HDFC Bank has very many rewarding credit cards with them and the recent addition to the list is the Swiggy HDFC Bank Credit Card – a nice and noteworthy co-brand dining credit card.
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HDFC Bank
HDFC Bank Tata Neu Infinity Credit Card
Best for: People who want a no-fee card and a simpler starting point.
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Rs. 0
NeuCoins Validity: 1 Year
No rewards on fuel, wallet, rent, gaming and Gov spends.
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
While it’s easy to grab First Year Free (FYF) offer on HDFC Bank’s Tata Neu Infinity Credit Card, getting Lifetime Free (LTF) offer is becoming harder...
The HDFC Bank Tata Neu Infinity Credit Card is a semi-premium, co‑branded credit card designed to maximise rewards through NeuCoins, a cashback‑equivalent rewards currency that works seamlessly across the Tata ecosystem.
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Union Bank of India
PM Svanidhi Credit Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Interest-free credit period of 20 to 50 days as per issuer policy.
Lifetime-free card with no enrolment, joining, activation, inactivity, or annual renewal charges.
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
Union Bank of India PM Svanidhi Credit Card is a lifetime-free retail credit card facility for PM SVANidhi beneficiaries with UPI linkage, a five-year card validity, and restricted merchant-category usage.
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Punjab National Bank
PNB Rakshak RuPay Platinum Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Free interest period: 20-50 days
Reward points: 1 on Rs 100
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
PNB Rakshak RuPay Platinum Card Features Eligibility :Rs.2.50 Lacs p.a. Card Limit :Min. Rs.25,000/- Max. Rs.5,00,000/- Benefits Free interest Period :20-50 days Reward points :1 on Rs 100
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Punjab National Bank
PNB Rakshak RuPay Select Card
Best for: People who want a no-fee card and a simpler starting point.
Rs. 0
Rs. 0
Free interest period: 20-50 days
Reward points: 2 on Rs 150
No annual fee signal detected from the current dataset.
This card has limited source coverage in the current dataset.
PNB Rakshak RuPay Select Card Features Eligibility :Rs.5.00 Lacs p.a. Card Limit :Min. Rs.50,000/- Max. Rs.10,00,000/ Benefits Free interest Period :20-50 days Reward points :2 on Rs 150
Verify Before Applying
Credit card fees, rewards, eligibility, offers, and terms can change. Verify final details with the issuer before applying.