Introduction
A credit card that is free for life has no initiation or yearly fees. Beginners or first-time card users who have recently started their professional path or have never taken any type of credit in the past are best suited for these free credit cards. Those who don’t want to pay a price for the card can also benefit from lifetime free cards. There are a few credit cards in this category that offer decent value despite the fact that the majority of them only offer little benefits and typically have low rewards rates.
The top lifetime free credit cards available in India are given below. To assist you in making a decision and selecting the finest credit card that matches you, we have included who should obtain each card.
Best Lifetime Free Credit Cards In India
| Credit Card | Best Suited For | Best Feature |
| Amazon Pay ICICI Credit Card | Online Shopping at Amazon | For Prime members, Amazon offers 5% cashback. |
| IDFC First Select Credit Card | Rewards and Travel | 10-times more reward points are earned on monthly incremental expenditures over Rs. 25,000. |
| HSBC Visa Platinum Credit Card | Reward Points | Airport lounge access, Amazon and Swiggy gift cards, and cashback are included in the introductory package. |
| IDFC First Millennia Credit Card | Rewards and Travel | Up to Rs. 20,000 in monthly online spending earns 6X reward points. |
| ICICI Platinum Chip Credit Card | Reward Points | 2 bonus points for every 100 rupees spent |
| Dhanaxmi Bank Platinum Credit Card | Cashback | 5% reward on purchases at grocery stores and department stores |
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Credit Card may be the best card in the field of lifetime free. Since they receive the largest reward, Amazon Prime subscribers can benefit the most from the card. Amazon Pay Balance is credited as cashback and can be used to fund more purchases.
Key Highlights
- For Prime members, Amazon offers 5% back on purchases.
- Amazon offers non-prime customers 3% cashback.
- 100+ Amazon Pay partner merchants provide 2% cashback.
- 1% rebate on all other purchases
- 15% discounts and promotions at a few partner restaurants in India
- 1% of gasoline surcharges at Indian petrol stations have been waived.
IDFC First Select Credit Card
For those seeking a high rewards rate, the IDFC First Select Credit Card is a lifetime free card. This card operates on an incremental spend reward points mechanism, whereby the earning grows after you hit a specific spending milestone. As a result, the more you spend, the more you earn.
Key Highlights
- 10X reward points are awarded for every Rs. 25,000 in additional purchases made each billing cycle.
- Up to Rs. 25,000 in monthly online purchases at 6X reward points
- Up to Rs. 25,000 in monthly offline purchases at 3X reward points
- 500 rupee gift vouchers upon spending Rs. 15,000 within 90 days of card activation, and 5% cashback on your first EMI transaction within the same time frame.
- Twice per month, the Paytm mobile app is offering a buy one get one deal when purchasing movie tickets (up to Rs. 250 per ticket).
- Free use of domestic airport lounges (four per quarter)
- Access to the railway lounge is free (four times per quarter)
- 1.99% is a minimal foreign currency markup fee.
HSBC Visa Platinum Credit Card
For those who want to enjoy shopping and travel advantages without having to pay an annual fee, the HSBC Visa Platinum Credit Card is the perfect option. When you meet the predetermined spending threshold, you receive money and movie vouchers. After passing the Rs. 4 lakh mark, reward earnings increase as well.
Key Highlights
- Swiggy vouchers worth Rs. 250 and Rs. 500 in Amazon vouchers according to the introduction offer
- Three free passes to domestic and international airport lounges, or three welcome AirDine vouchers
- When you complete at least 5 eligible transactions totalling Rs. 10,000 or more in the first 90 days of card activation, you will receive 10% cashback (up to Rs. 2,000).
- Spend a total of Rs. 4 lakh in a calendar year to receive 5X rewards on all ensuing transactions.
- Offer from BookMyShow for tickets purchased on Saturday is buy one get one free.
IDFC First Millennia Credit Card
The IDFC FIRST Millennia Credit Card from IDFC First Bank is best suited for consumers who spend a lot of money because it offers six times greater rewards on online shopping up to a specific monthly threshold. Since the gained reward points never expire, you can accrue prizes and exchange them for valuable advantages.
Key Highlights
- Up to Rs. 20,000 in monthly offline spending can earn 3X rewards.
- 6X benefits on monthly online spending of up to Rs. 20,000
- Get 10-times greater rewards on purchases after attaining the Rs. 20,000 milestone across all categories.
- Spend 50,000 rupees within 90 days of card activation to receive a welcome incentive of 500 rupees.
- 5% cashback on EMI transactions made within 90 days, with a maximum cashback of Rs. 1,000.
- 25% off movie tickets purchased with the Paytm mobile app (up to Rs. 100).
ICICI Platinum Chip Credit Card
For those who are unfamiliar with credit and require a straightforward card simply for improving their credit score, the ICICI Platinum Chip Credit Card is ideal. One of the greatest credit cards without an annual fee is this one.
Key Highlights
- 100 rupees spent on utilities and insurance equals one reward point.
- 2 reward points for every 100 rupees spent on everything else besides fuel.
- Redeem your rewards for ICICI Rewards Catalogue gift cards or merchandise.
- 1% of the fuel levy is waived at HPCL petrol pumps for purchases under Rs. 4,000.
- Dine at any of our 2,500 partner restaurants for up to 15% discount.
Dhanlaxmi Bank Platinum Credit Card
The Dhanlaxmi Bank Platinum Credit Card is the only lifetime free credit card that offers cashback benefits in addition to the ICICI Amazon Pay Card. It concentrates on a highly useful category—purchases from supermarkets and department stores—which are a frequent expense for the majority of individuals.
Key Highlights
- 5% cashback is offered at grocery and department stores.
- Platinum benefits in various categories.
- Free insurance protection.
- Emergency aid on a global scale.
Conclusion
A zero annual fee card can benefit you whether you are a first-time application or an established credit card user. For those who are just beginning their credit card experience and are seeking for a card that will offer maximum perks with little fees, a lifetime free credit card may be the perfect option. While it is true that free credit cards often offer less perks than premium cards that require an annual charge, some of the finest lifetime free cards offer amazing benefits that surpass some annual fee cards’ features.
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I am an Undergraduate Student pursuing BA English Hons in KIIT University. My hometown is in Cuttack, Odisha. My hobbies include dancing and singing.