Lifetime Free Credit Cards

Best Lifetime Free Credit Cards in India 2025 – In no particular order

Lifetime Free Credit Cards are a wise alternative for those who desire to save on annual charges but do not want to compromise on the benefits of using a card. These credit cards come with no joining fees or annual fees so you can save considerably. These lifetime free credit cards offer the same kind of lucrative rewards & cashback — especially on shopping and every day spends. For users conscious about sticking to budgets, these benefits could be a gamechanger. With online application and minimal documentation, these ‘No Annual Fee Credit Cards’ are adding convenience to every customer.

Top Benefits Offered by Lifetime Free Credit Cards

Annual Fees: Save money on annual fees and get more bang for your credit card without additional costs.

Cashback Rewards: A lot of lifetime free credit cards provide regular cashback purchases like groceries, fuel and food.

Reward Points: Earn points for every transaction, which can then be redeemed for vouchers, products, or discounts.

Special Deals: Enjoy special deals while shopping, dining out and travelling.

Fuel Surcharge Waiver: Many of these lifetime free credit cards waive off fuel surcharge on your monthly fuel purchases.

Complimentary Lounge Access: You can enjoy access to premium airport lounges in both domestic and international sectors for free.

Income Proof not needed: A few banks offer no annual fee credit cards even for applicants who don’t have income proof documents.

Improve Credit Score: Repeated responsible utilization can assist you in achieving and sustaining a high credit score over the months or years.

Top 12 Trending Lifetime Free Credit Cards in 2025 – Features, Benefits & Reward Points

1. ICICI Bank Platinum Chip Card

• No Annual Fee: Enjoy a lifetime free credit card without any joining or annual charges.
• Reward Points: 2 reward points for every ₹100 spent on retail transactions (other than fuel)
• Fuel Surcharge Waiver: Avail a 1% waiver on fuel surcharge at HPCL petrol pumps on transaction up to ₹4,000.
• Dining Discounts: Enjoy at least 15% discount on more than 2,500 restaurants in India through the ICICI Bank Culinary Treats Programme.
• Enhanced Security: Also comes with microchip & PIN protection against counterfeit or fraud.

2. HDFC Freedom Credit Card

• 10X CashPoints on Select Merchants: Get 10X CashPoints on top brands like Big Basket, BookMyShow, OYO, Swiggy & Uber (capped at 2,500 CashPoints/month)
• Standard CashPoints on Other Purchases: For regular transactions earn 1 CashPoint on every ₹150 spent (not applicable on EMI, fuel, wallet/prepaid card loads and voucher purchases).
• Dining Discounts: Get up to 20% off at partner restaurants via Swiggy Dineout and save more on your dining experiences.

3. HSBC Visa Platinum Credit Card

Exclusive Rewards and Lifestyle Privileges: Tap into deals, rewards and exclusive perks from leading lifestyle brands.

• Air Miles Conversion: Use your reward points to get air miles with domestic and international airlines including Air India, Etihad, British Airways and Singapore Airlines.
• Fuel Surcharge Waiver: Cardholders can save up to ₹3,000 a year on charges levied on fuel purchases with this credit card perk.
• Reward Points on Every Spend: Earn 2 reward points per ₹150 even on every day, regular transaction.
• 5X Reward Points Boost: You get 5X reward points on each ₹1 spent after reaching a spending limit of ₹4,00,000 in a year (capped to 15,000 points per annum).
• Special Welcome Offers: Sign-up online for the card, complete a Video KYC, and get a ₹250 Amazon e-gift voucher; also get ₹500 cashback after a minimal spend of ₹5,000throughout the primary 30 days.

4. Kotak Mahindra 811 #DreamDifferent Credit Card

Ideal for users needing a lifetime free credit card that also offers benefits related to their term deposit, and rewards on every spend.

• Secured Credit Against Term Deposit: This is a secured credit card that is issued against a term deposit with a maximum limit of 90% of the term deposit value.
• Reward Points on Purchases: Get 4 reward points for every ₹100 and only 1 reward point on all other spending online and in stores.
• Interest-Free Cash Withdrawals: You can withdraw up to 90% of your credit limit in cash (processing fee – Rs. 100 per ATM withdrawal), without any interest on it for a period up to 48 days.
• Fuel & Railway Surcharge Waiver: 1% waiver on fuel surcharge, along with discounted railway bookings.
• Add-On Card with Customizable Limits: Add customizable limits on an add-on card and keep a record of separate expenses.

5. AU Lit Credit Card

The card provides a customized experience that is well-suited to an individual who would like centralizing the control with features and rewards suited to their use-case.

• Personalized Features: Add and remove benefits that suit your spending habits, customize the features that matter to you.
• Flexible Pricing Options: Choose a pricing plan that suits your financial purposes or preferences.
• Real-Time Feature Control: An instant way to manage and track features, with the option to activate or deactivate them in real time.
• Category Cashback & Milestone Rewards: Cashback on selected categories, and milestone cashback bonuses.
• Exclusive Perks: Enjoy benefits such as fun and fitness memberships, airport lounge access, 10X shopping reward points, and waiver on fuel surcharge.

6. IndusInd Bank Legend Credit Card

Designed for the discerning few who seek premium experiences, the IndusInd Bank Legend Credit Card, offers a fine blend of Luxury & Convenience.

• Weekend Rewards: Receive 2 reward points on every ₹100 spent over the weekend and make your weekends rewarding.
• Discounted Foreign Currency Mark-Up: Enjoy an extra 1.8% discount on mark-up on foreign currency transactions.
• Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges; save more on the purchase of fuel.
• Luxury Hotel Stay: Treat yourself to one night free stay at various Oberoi Hotels in India.
• Movie Ticket Offer: Enjoy your movie outings with a buy-one-get-one-free offer from BookMyShow.

7. RBL Bank LazyPay Credit Card

The RBL Bank LazyPay Credit Card provides the ease of payback along with rewards on day-to-day spending making it a perfect match for multi-use between flexibility and cashback.

• Welcome Benefit: Get ₹250 cashback on a minimum spending of ₹99 within 30 days of card issuance
• Flexi Payback in EMIs: Kick-off purchases using your LazyPay Credit Card and pay back with easy, simple EMIs.
• Monthly Cashbacks: Get 1% cashback (max ₹500/month) on all retail and online transaction except fuel, railway, utilities, insurance etc.

8. IDFC First Millenia Credit Card

A card designed for frequent spenders — The IDFC First Millenia Credit Card is also one of the great rewarding credit cards with flexible redemption and high rewards rates.

• Get 10X reward points: get 10X reward points on birthday-based spends & monthly spends over ₹20,000
• Welcome Bonus: 3X reward points on eligible spends, both online and offline, of up to Rs.20,000 per month.
• Reward points that never expire! Earn Unlimited reward points that do not expire and will last forever.
• Instant Reward Redemption: Redeem points on-the-spot to pay for your purchases whether online or offline.
• Reward Points on Utility Bills: Get 1X reward points on all your insurance premium and utility bill payments.

9. Amazon Pay ICICI Credit Card

Amazon Pay ICICI Credit card is a card that lets you to earn with every purchase. This card has been designed specifically for Amazon prime customers. There are no joining or annual fees that are associated with the card. This is a lifetime free credit card and can be availed from the Amazon website or App.

• Cash back Offers: Earn 5% cash back on your spends on Amazon India if you are a member of Amazon Prime. Earn 3% cash back on your spends at Amazon India if you are a non-prime member. 2% cash back on transactions made over 100 Amazon Pay merchant partners using this card.
• Use of Cash Back: Cash back is credited on Amazon account in the form of Amazon Pay balance within 2 days of billing cycle. Neither any fees are levied nor there is any minimum amount restriction on the use of cashback.
• Fuel Surcharge: There is a fuel surcharge waiver of 1% for the card that can be used in all petrol pumps throughout India.
• No-cost EMI option: In case of any Amazon purchases above Rs.3000, users can avail a no-cost EMI option for a tenure extending 3 to 6 months
• Reward Points: 5% reward points on purchases made at Amazon.in. 2% reward points on utility bill payments, mobile and DTH recharges.

10. IDFC FIRST Wealth Credit Card

The IDFC First Wealth Credit Card is a premium life time credit card that is been designed for high income earners. Individuals with a high net worth who are seeking luxurious banking and premium card experience without the need to pay annual fees can go in for it. The card also comes with a comprehensive insurance coverage and various lifestyle benefits. One of the key takeaways for the card is that reward points never expire and can be used for travel, shopping, and much more.

• Forex Markup: There is a Low forex markup as low as 1.5% charged on any foreign currency transactions.
• Welcome Benefits: New cardholders will receive a git voucher of Rs.500 on spending Rs.15,000 within 90 days of acquiring the card. Earn 5% cashback of the first EMI transaction within 90 days of credit card setup.
• Complimentary Airport and Railway lounge privileges: Enjoy 4 complimentary domestic airport lounge access and spa visits every quarter. Enjoy 2 complimentary international lounge access every quarter subject to spending of Rs.20,000 in the previous months.
• Insurance Coverage: Air accident coverage of Rs. 1 crore. Personal accident coverage of Rs.10 Lakhs. Lost card liability cover of Rs.50,000. Comprehensive travel insurance coverage of USD1200. Free Trip cancellation of up to Rs.10,000
• Lifestyle Benefits: 20% discounts on more than 1200 restaurants. 15% discount on more than 3000+ health and wellness outlets. 2 complimentary gold rounds for every Rs.20,000 spend.

11. One Credit Card

One-Card is powered by SBM India provides the mobile-first credit card experience. A classy medallic card that is controlled by the OneCard app. The card is powered with various unique and advanced features that comes with lifetime free membership and rewards. The card does not limit extra reward earnings to categories that provides 5 times rewards on the top spend categories. The card comes with a lot of offers attached to cool gadgets, good food, fashion brands, travel discounts, and so on.

• SBM Bank Credit Card: This card is a co-branded credit card issued by SBM Bank of India in partnership with One Consumer Services Private Limited.
• Metallic Card: The card comes in metal with your name engraved on it with a digital on-boarding process. The card comes with a host of exciting offers and deals that can be used on a regular basis.
• One Card App: The app allows users to control their credit card, manage their EMIs, make payments and much more.
• Rewards: Earn 5 times reward on the top 2 spend categories that can be redeemed for cash or purchases on the app.
• Forex Charge: Travel will be made much easier with 1% forex charge.
• Fuel Surcharge: 1% fuel surcharge waiver of up to Rs.400 per month.

12. Yes Bank Rupay Credit Card

Yes Bank empowers you with a lifetime free credit card that allows you to enjoy the flexibility of using the credit card without the need to pay for the additional expenses. This card provides you with a transformative financial solution offering you an efficient shopping experience.

• Reward Points: You will get 4 points on every Rs.200 spend above Rs.2000 of your UPI transactions. You will get 2 points on every Rs.200 spend online. This reward point system helps you to accumulate points that can be redeemed for excited benefits and offers.
• Virtual Credit Card: Yes Bank RUPAY Credit Card brings an evolution in banking by providing a virtual credit card. Giving you the flexibility of eco-friendly solution. You can access the card details through mobile making the transaction stress-free and convenient.
• Life-time Credit Card: Enjoy the convenience of a credit card with a life-time access without the need to pay an extra penny apart from your expenditure you incur with it.

Discounts: RuPay Credit Cards comes with a widespread network of brands using a wide range of discounts and cashback offers that comes in various categories. You can avail discounts across dining, restaurants, deals in hotels and shopping outlets, online merchants, and so on.

How to Choose the Best Lifetime Free Credit Card for Your Needs

• Assess Spending Habits: Find your biggest spending categories — dining, fuel, online and travel — and go for the card that offers points in those categories.
• Compare Rewards and Perks: Look out for features like cashback, reward points and discounts that suit your lifestyle for best use.
• Check for Hidden Fees: Keep an eye out for extra costs such as processing fees on EMIs or cash withdrawals that can punch a hole in your savings.
• Evaluate Usage Limitations: Check for limits — on reward points or cashback; they should align with your spending pattern.
• Align with Lifestyle Needs: Getting the most out of your credit card means picking a card with benefits and rewards that fit your spending habits.

How to Apply for a Lifetime Free Credit Card Without Income Proof?

• Choose a Secured Card Option: By getting the credit card against a fixed deposit or some other kind of asset, you can avail the lifetime free credit card without much documentation in terms of income proof from many banks.
• Submit Alternative Documentation: Instead of evidence of income, submit paperwork such as bank statements, asset verification or a fixed deposit slip.
• Complete the Application: To do this, you can either apply online or in the branch and fill out all of their required information, select the secured credit card option.
• Submit Verification Documents: You will be required to submit the basic KYC documents like Aadhaar, PAN, address proof, identity proof, and others, as stipulated by the bank.
• Await Approval and Activation: Once the bank verifies your details, the credit card is mailed to you.

Lifetime Free Credit Cards FAQs:

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.