Best Lifetime Free Credit Cards in India 2025 (No Joining & Annual Charges)

Introduction:

Aaj ke time mein sabko ek credit card chahiye hota hai—chahe wo shopping ke liye ho, travel ke liye, ya phir cashback aur rewards ke liye. Lekin problem yeh hoti hai ki zyadatar credit cards me joining fees aur annual charges hote hain, jo users ke liye costly ho jate hain.

Isliye log search karte hain:
“Best Lifetime Free Credit Cards in India”
“No Joining Fees, Credit Cards”
“No Annual Charges Credit Cards”

Toh aaj hum ek complete detailed guide lekar aaye hain jisme aapko milega Top Best Lifetime Free Credit Cards in India 2025, unke benefits, eligibility, charges, aur hidden terms ke bare mein full knowledge.

Best Lifetime Free Credit Cards Kya Hota Hai?

Lifetime Free Credit Cards (LTF Card) ka matlab hai:

• No Joining Fees—jab aap card banwate ho, koi initial fees nahi deni.
• No Annual Charges—card use karte time har saal koi renewal charges nahi lagenge.
• Free for Lifetime—aap jitne bhi saal use karo, kabhi bhi charges nahi lagenge (agar bank ke hidden terms follow karo).

Note – Kabhi-kabhi kuch banks “lifetime free” bolte hain but conditions hoti hain (jaise first 30-60 din me ₹5,000 spend karna). Isliye T&C hamesha dhyaan se padho.

Best Lifetime Free Credit Cards in India (2025 List)

Yahaan humne India ke top No Joining & Annual Fees Credit Cards cover kiye hain:

1. Amazon Pay ICICI Credit Card

• Bank: ICICI Bank
• Best For: Online shopping on Amazon
• Key Benefits:
  • 5% cashback (Amazon Prime members)
  • 3% cashback (non-prime members)
  • 2% cashback on partner merchants
  • 1% cashback on other spending
• Charges: ₹0 Joining Fee | ₹0 Annual Fee
• Eligibility: Salaried or self-employed, good credit score (750+ preferred).

2. Fibe Axis Bank Credit Card

Soch ke dekho—ek aisa credit card jo lifetime free hai (no joining fee, no annual fee) aur saath hi India ka pehla numberless card bhi hai. Haan ji, yeh hai Fibe Axis Bank Credit Card jo Axis Bank aur lending platform Fibe ne milke launch kiya hai.

Card par CVV, expiry date aur number likhe hi nahi hote—matlab extra security aur fraud ke chances almost zero. Iska matlab, even agar card kho bhi jaye, toh misuse hone ka risk kam hai. Pretty cool, right?

Cashback Benefits

Ab aate hain sabse important part par—cashback. Reward points samajhne ka jhanjhat hi nahi, bas direct paisa wapas.

• 3% Cashback – Entertainment, food delivery apps, and our daily commute (cab, auto, metro, etc.).
• 1% Cashback—Har aur transaction par, including UPI spends linked to this credit card.

Note: Minimum transaction ₹100 hona chahiye.
Max cashback earn kar sakte ho ₹1,500 per billing cycle.

Extra perks jo aapko milte hain

• Airport Lounge Access—4times free entry per year (1 per quarter)—travel thoda classy ban jata hai.
• Dining Discount – EazyDiner app ke through partner restaurants par up to 15% off (max ₹500).
• Fuel Waiver – Petrol bharwaya? Toh 1% surcharge waiver (up to ₹400/month) milega, agar spend ₹400 – ₹5,000 ke beech hai.

Fees & Charges

Charges Type	Details
Joining Fee	Zero
Annual Fee	Zero
Forex Mark-up	3.5%
Finance Charges	3.6% per month (~52.86% yearly)
Late Payment Charges	₹500 – ₹1,200 slab wise

Basically, aapko fixed charges ki tension hi nahi. Sirf time pe bill clear karna hoga.

Kya Aapko Ye Card Lena Chahiye?

Opt karo agar:

• Aapko zero annual fee wala card chahiye.
• Cashback pasand hai, reward points ke maze me nahi padna.
• Entertainment, Zomato/Swiggy, aur commute me zyada spend karte ho.
• Aap hardly international travel karte ho.

Pros & Cons

Pros

• Direct cashback (no confusing reward points)
• Lifetime free
• Numberless card = High security
• Complimentary lounge access

Cons

• Lifestyle luxury benefits limited
• Cashback capped at ₹1,500/month
• Fuel, rent, and wallet load par cashback nahi milega

3. IDFC FIRST Millennia Credit Card

Agar aap ek lifetime free rewards credit card dhoond rahe ho jo beginner-friendly ho, toh IDFC FIRST Millennia Credit Card ek strong option hai. Ye card aapko up to 10X reward points earn karne ka mauka deta hai aur sabse badi baat—rewards kabhi expire nahi hote aur unpe koi capping nahi hai.

Iske saath aapko lifestyle benefits jaise movie discounts, railway lounge access, roadside assistance, aur insurance cover bhi milte hain—aur wo bhi bina annual/joining fee diye.

Rewards Program

10X Reward Points

• Birthday spends
• Har mahine ₹20,000 se zyada ke incremental spends par

3X Reward Points

• Online & offline transactions up to ₹20,000 monthly spend

1X Reward Point

• Utility & insurance bill payments (₹150 spent = 1 RP)

Exclusions: Fuel expenses, cash withdrawals, EMI transactions

• Redemption Value: 1 RP = ₹0.25
• Redemption Fee: ₹99 + GST per redemption
• No Expiry: Earned points kabhi expire nahi hote

Reward Rate:

• Base spends → ~0.50% return
• Above ₹20,000 monthly → ~1.67% return (decent for entry-level cardholders)

Special UPI Feature (Digital RuPay Version)

Aap is card ka RuPay UPI version bhi activate kar sakte ho (extra annual fee ₹199).

• 3X Rewards on UPI spends above ₹2,000
• 1 RP per ₹150 on spends below ₹2,000

Joining & Welcome Benefits

• Gift Voucher worth ₹500 – Agar aap ₹5,000 spend karte ho card issue ke 30 din ke andar
• 5% Cashback (up to ₹1,000) – 1st EMI transaction par (30 din ke andar)
• Movie Offer – 25% off (up to ₹100) on movie tickets via Zomato’s District app, 1 time per month
• Railway Lounge Access – 4 free visits per quarter (min. spend condition of ₹20,000 previous month)
• Interest-Free ATM Withdrawals – Up to 45 days (unique feature)
• Fuel Surcharge Waiver – 1% (up to ₹200/month) on spends between ₹200 and ₹5,000
• Roadside Assistance – Free 4 times a year, worth ₹1,399 (Global Assure)
• Insurance Cover – Personal accident insurance ₹2 Lakh + Lost Card Liability ₹25,000

Fees & Charges

Particulars	Amount
Joining/Annual Fee	Nil
Finance Charges	0.71% – 3.85% p.m. (8.5% – 46.2% annually)
Late Payment Fees	15% of dues (min ₹100 – max ₹1,300)

Kya Aapko Ye Card Lena Chahiye?

Ye card best hai agar:

• Aap ek lifetime free credit card chahte ho with good joining perks.
• Aap rewards ko direct shopping/redeem karna prefer karte ho (Pay with Points)
• Aap mahine ka ₹20,000+ spend kar sakte ho to unlock 10X rewards
• Aapko kisi ek brand-specific benefit ki need nahi hai (general purpose card)

Pros & Cons

Pros

• Lifetime free
• Joining benefits worth ₹1,500
• Movie discount (save up to ₹1,200/year)
• Up to 16 free railway lounge visits yearly
• Interest-free ATM withdrawals (rare feature)

Cons

• 10X rewards sirf ₹20,000 spend ke baad hi applicable hote hain
• Reward rate aur redemption value thodi low hai

4. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum is a lifetime free entry-level credit card that is specially made for salaried individuals. Is card par aapko har spend pe rewards milte hain, aur agar aap saal bhar me ₹4 lakh se zyada spend karte ho toh extra accelerated rewards bhi milte hain.

Beginners or moderate spenders ke liye yeh card ek decent option hai. Lekin jo heavy spenders hain, unko yeh card zyada value de sakta hai kyunki accelerated reward rate tabhi unlock hota hai.

Reward Benefits

• 2 Reward Points for every ₹150 spent
• 5X Reward Points (10 per ₹150) jab annual spend ₹4 Lakh cross ho jaye
  (Max cap: 15,000 accelerated RPs per anniversary year)

Redemption Options:

• Rewards ko vouchers me redeem kar sakte ho (lifestyle, fashion, jewelry, electronics, cosmetics, etc.).
• Convert Karo Airmiles (2:1 ratio) ke sath:
  • Air India Flying Returns (Star Alliance)
  • Singapore Airlines (KrisFlyer)
  • British Airways (Avios)
  • Etihad Airways
  • InterMiles (ex-JetPrivilege)

Features & Benefits

• Welcome Benefit: Amazon Voucher worth ₹250 (milta hai online application + Video KYC complete karne par)
• Zero Liability on Lost Card: Card kho jane ke baad report karne par fraud transactions ki responsibility aapki nahi hogi.
• Emergency Card Replacement: Lost card ke case me 3 din ke andar naya emergency card mil sakta hai (via HSBC helpline / Visa Global Assistance).
• Fuel Savings: Annual savings up to ₹3,000 (fuel surcharge waiver)

Fees and Charges

Fee Type	Amount
Joining Fee	Nil
Annual Fee	Lifetime Free
Finance Charges	3.3% p.m. (39.6% p.a.)
Minimum Payment Due	5% of total (Min. ₹100)

Kya Aapko Ye Card Lena Chahiye?

Ye card best hai agar:

• Aapko Lifetime Free Credit Card chahiye
• Aapko rewards system cashback se zyada pasand hai
• Aap saal bhar me ₹4 lakh+ spend kar sakte ho, to accelerated rewards ka fayda milega.

Pros & Cons

Pros

• Lifetime Free (no joining/annual fee)
• Rewards ko Airmiles me convert karne ka option
• Amazon voucher welcome benefit (₹250)
• Decent card for beginners

Cons

• Low base reward rate (only 2 RP per ₹150)
• Lifestyle perks kaafi kam (no big dining/travel offers)
• Complimentary lounge access missing

5. EazyDiner IndusInd Bank Platinum Credit Card

IndusInd Bank ka yeh EazyDiner Platinum Credit Card ek lifetime free dining card hai jo specially foodies ke liye design kiya gaya hai. Iska ek premium version bhi aata hai (EazyDiner Signature), lekin Platinum wala beginners ke liye perfect option hai jinko annual fee-free card ke sath dining benefits chahiye.

Agar aap har mahine multiple baar bahar khana khate ho, toh yeh card aapke bills pe 25%–50% tak savings kara dega. Plus, aapko 2X EazyPoints bhi milte hain jo redeem ho sakte hain free meals ya hotel bookings ke liye.

Swiggy aur Zomato ke cards ke compare me, abhi yeh card kaafi unique hai kyunki no annual fee me itne dining discounts koi aur nahi deta.

Dining Benefits

• Free EazyDiner Prime Membership (3 months) worth ₹1,095
• Flat 25%–50% discount at 2,000+ partner restaurants
• 500 Bonus EazyPoints on activation
• Membership renewal: Spend ₹30,000 in 90 days = extra 3 months free Prime
• Extra 20% off (up to ₹500) via PayEazy (3 times/month)

Matlab has a dining bill with a double benefit: restaurant discount + PayEazy discount.

Features & Benefits

Rewards Program

• 0.7 RP per ₹100 on insurance, rent, utility & govt. spending
• 2 RP per ₹100 on all other spending
• 1 RP = ₹0.20
• Milestone Benefit: 2,000 bonus RPs on spending of ₹30,000 (90 days)

• Fuel—1% fuel surcharge waiver (₹400–₹4,000 transactions)
• Insurance – Complimentary Total Protect Insurance Cover

Fees & Charges

Fee Type	Amount
Joining Fee	Nil
Annual Fee	Nil (Lifetime Free)
Finance Charges	3.83% p.m. (46% p.a.)
Late Payment Fee	₹100 – ₹1,300 slab-wise

Kya Aapko Ye Card Lena Chahiye?

Ye card best hai agar:

• Aapko ek lifetime free Credit card chahiye
• Aap frequently dine out karte ho.
• Aapko EazyDiner app use karna ok lagta hai
• Aapke paas ek aur card hai jo shopping, travel, ya lifestyle spends cover karta hai.

Pros & Cons

Pros

• Lifetime free
• Up to 50% off on dining bills
• No capping on discounts
• Rewards on categories like rent & utilities (jo usually excluded hote hain)
• Redeem points for free food & hotel stays

Cons

• EazyDiner Prime membership spend-based hai (renewal ke liye ₹30k spend karna hoga)
• Reward point value low (₹0.20 per point)
• Limited lifestyle/travel benefits (sirf dining-focused)

6. Scapia Federal Bank Credit Card

Agar aap travel freak ho ya phir frequently flights, trains, or hotels book karte ho, toh Scapia Federal Bank Credit Card ek zabardast option hai. Ye card specially travel lovers ke liye design kiya gaya hai kyunki ye deta hai:

Zero Forex Mark-up (foreign currency shopping and transactions without extra charges)

20% take Scapia Coins on travel bookings via the Scapia app

Unlimited Domestic Airport Lounge Access

No joining or annual fee

Matlab ekdum premium travel card ka feel bina koi fees diye.

Rewards Program

• 20% Scapia Coins – Travel bookings (flights, hotels, trains, buses, visas) via the Scapia app
  10% Scapia Coins – Har online & offline purchases across merchants in India
  5% Scapia Coins – Complimentary Scapia Federal RuPay Credit Card ke saath UPI/RuPay spends (₹500+ spends par)
• Redemption Value: 5 Scapia Coins = ₹1
  Redemption Options: Instant travel bookings via the Scapia app (flights, hotels, trains, buses, and visas)
  Validity: Coins valid up to 36 months
  No Redemption Fee

Value-back approx.:

• Travel bookings → 4%
• Other expenses → 2%

Sabse badi baat—no capping on rewards. High spenders ke liye perfect.

Key Benefits of the Scapia Federal Credit Card

• Zero Forex Mark-up Fee
  For international shopping, hotel stays, or flight bookings, the extra foreign exchange fee is bilkul zero. (Usually ye benefit sirf premium cards dete hain.)
• Unlimited Domestic Lounge Access
  Har month ₹10,000 spend karne par aapko unlimited free airport lounge access milta hai.
• Fuel Waiver
  1% fuel surcharge waiver up to ₹500/month (fuel expenses up to ₹5,000).
• No-Cost EMI
  Scapia app par travel spends ko aap no-cost EMI me convert kar sakte ho, matlab bada kharcha easy installments me split kar lo.

Fees & Charges

Particulars	Amount
Joining/Annual Fee	Nil
Forex Mark-up	Nil
Finance Charges	3.75% per month (45% annually)
Late Payment Charges	₹100 – ₹1,000 slab wise

Kya Aapko Ye Card Lena Chahiye?

Ye card best hai agar:

• Aap India aur overseas dono jagah travel karte ho.
• Aap high spender ho aur Scapia coins earning ka full fayda uthana chahte ho
• Aap already ek shopping/dining card use karte ho aur ab travel-focused card chahiye
• Aapko Scapia app ke through bookings karne me koi problem nahi hai.

Pros & Cons

Pros

• Zero forex markup fee (rare for free cards)
• Up to 20% rewards (Scapia coins)
• Unlimited domestic lounge access
• Complimentary RuPay card with 5% rewards on UPI
• No joining/annual fee

Cons

• Scapia coins redemption sirf Scapia app par hi possible
• Redemption ratio low (5 coins = ₹1)
• International spends par koi rewards nahi milte
• No complimentary international lounge access

7. Ixigo AU Credit Card

The Ixigo AU Credit Card ek co-branded travel card hai jo specially unke liye banaya gaya hai jo train aur bus travel zyada karte hain. MakeMyTrip, Yatra, aur EaseMyTrip ke baad ab Ixigo bhi apna card lekar aaya hai.

Is card ki sabse badi USP hai:

• Direct discounts on flights, hotels & bus bookings via Ixigo
• Accelerated rewards on railway tickets
• Zero forex markup fee (rare in entry-level cards)
• Frequent lounge access (airport + railway)

Agar aap Ixigo loyalist ho ya ek beginner ho jo ek hi travel + daily spends card lena chahte ho, toh ye kaafi accha option hai.

Ixigo AU Travel Benefits

Railway & Bus Benefits

• No payment gateway charges on train bookings (valid 2 times/month)
• 20 Reward Points per ₹200 spent on train bookings via Ixigo
• 10% off on bus bookings (up to ₹300, once per month)

Travel Benefits

• 10% discount on flights (up to ₹1,000/month) via Ixigo
• 10% discount on hotels (up to ₹1,000/month) via Ixigo
• Zero forex markup fee—foreign transactions have no extra charges

Lounge Benefits

• 1 international lounge access per year
• 8 domestic airport lounges per year (max 2/quarter, spend ₹20,000 in a quarter)
• 8 Domestic Railway Lounge Access per year

Ye card zyada rail aur bus travellers ke liye beneficial hai; flights wale category me thoda limited hai.

Rewards Program

• 10 Reward Points per ₹200 spent online
• 5 Reward Points per ₹200 spent offline

Redemption Options:

• E-vouchers (Amazon, Flipkart, etc.)
• Merchandise
• Mobile/DTH recharge
• Flight & hotel bookings

Online/offline dono par decent reward rate milta hai, jo beginners ke liye ekdum perfect hai.

Features & Benefits

• Welcome Benefits – 1,000 Reward Points + Ixigo vouchers worth ₹1,000 (on 1st transaction within 30 days)
• Fuel Surcharge Waiver – 1% off (₹400–₹5,000 transactions), max benefit ₹250/month
• Lost Card Liability Cover – Fraudulent transactions ke case me zero liability protection

Fees & Charges

Particulars	Amount
Joining Fee	Nil
Annual Fee	Nil
Finance Charges	3.75% per month (45% p.a.)
Late Payment Charges	₹100 – ₹1,300 slab-wise

Kya Aapko Ye Card Lena Chahiye?

Ye card best hai agar:

• Aap railway ya bus travel zyada karte ho
• Aapko Ixigo app par bookings karne me koi problem nahi
• Aapko railway lounge access chahiye (16 free visits per year)
• Aap domestic traveller ho, not a heavy international traveller

Pros & Cons

Pros

• Zero forex markup fee
• Direct discount on flights, hotels & bus bookings
• Extra rewards + no payment gateway charge on trains
• High lounge access (rail + airport)
• Decent reward rate on general spending

Cons

• Discount capped on Ixigo bookings (flights & hotels)
• Sirf 1 complimentary international lounge access/year
• International travel benefits limited

Hidden Terms & Things to Check Before Applying

1. Minimum Spend Condition – Kuch cards bolte hain “Lifetime Free,” par pehle 45 days me ₹5,000 spend karna mandatory hota hai.
2. Inactive Card Penalty—Agar card use hi nahi karte ho toh bank card cancel kar sakta hai.
3. Hidden GST Charges – Transactions par GST 18% lagta hai (on late fees, interest, etc.).
4. Limit on Cashback/Rewards – Har month ek maximum cap hota hai (e.g., ₹1,000 cashback max).

Advantages of Lifetime Free Credit Cards

• No yearly burden of ₹500–₹5,000 annual fees
• It’s safe to keep multiple cards for a higher credit limit.
• Free rewards, cashback, lounge access
• Good for beginners to build a credit score

Disadvantages of Lifetime Free Credit Cards

• Benefits are limited compared to premium cards.
• Some cards are LTF only under special offers.
• Hidden terms (like minimum spend conditions)

How to Apply for Lifetime Free Credit Cards?

1. Visit the bank website or partner platforms (like Paisabazaar or BankBazaar).
2. Check LTF Offer Eligibility (kabhi kabhi sirf digital partners ke through LTF hota hai).
3. Fill out the application form with PAN, Aadhaar, and proof of income.
4. The bank will check your CIBIL score.
5. Card approved hone ke baad delivery 5 to 7 working days me.

FAQs – People Also Ask

Q1. Which is the best lifetime free credit card in India?
Amazon Pay ICICI & IDFC FIRST Credit Cards are the best overall.

Q2. Kya lifetime free credit card me hidden charges hote hain?
Generally nahi, but hamesha T&C padhni chahiye (inactive card penalty, GST, forex markup).

Q3. Kya student lifetime free credit card le sakta hai?
Directly nahi, lekin add-on card mil sakta hai parents ke naam pe.

Q4. Kya lifetime free credit cards safe hote hain?
Haan, bilkul safe hote hain, provided aap timely payment karo aur misuse na ho.

Q5. Kya lifetime free card me lounge access milta hai?
Haan, kuch cards jaise HSBC Platinum, Federal Scapia, aur IndusInd Legend lounge access dete hain.

Q6. Can I upgrade my lifetime free card to a premium card?
Haan, aap bank ke saath usage history ke basis pe upgrade kar sakte ho.

Q7. Kya lifetime free cards credit score improve karte hain?
Bilkul, agar aap timely payments karte ho toh credit score improve hota hai.

Conclusion

Aaj ke time mein Lifetime Free Credit Cards ek smart choice hai—kyunki aapko free mein cashback, rewards, discounts, aur lounge access milta hai, wo bhi bina annual charges ke.

Bas ek baat yaad rakho—card use karo wisely aur hamesha full payment time pe karo. Tabhi aapko iska 100% benefit milega.