Credit cards are one of the most popular financial tools today because of their useful features, attractive offers, and discounts.
If you want to enjoy maximum benefits without paying annual fees, a lifetime free credit card is a great choice.
These cards have no joining or renewal fees but still offer excellent rewards like cashback, lounge access, discounts on food, travel, and more.
Why Choose Lifetime Free Credit Cards?
A lifetime free credit card means you never pay any annual or renewal fees—not even after the first year.
These cards are perfect for first-time users, budget-conscious people, or anyone wanting to save on card fees.
Although premium cards with higher fees offer extra perks, these zero-fee cards still give great benefits for online shopping, dining out, and OTT subscriptions.
Top 10 Lifetime Free Credit Cards in India
Here are the best lifetime free credit cards in India, picked for their rewards, benefits, and features. Compare them to find the best fit for you:
HSBC Visa Platinum Credit Card:
₹250 instant cashback after completing KYC.
Extra ₹500 cashback on spending ₹5,000 in the first month and installing HSBC India app.
2 reward points for every ₹150 spent.
IDFC FIRST Bank Select Credit Card:
2 complimentary airport lounge visits and 4 railway lounge visits per quarter (rare in free cards).
Up to 20% off on food.
Buy 1 Get 1 Free movie tickets twice a month.
Axis Bank MY Zone Rupay Credit Card:
₹120 off twice a month on Swiggy orders above ₹500.
4 complimentary domestic lounge visits yearly if you spend ₹50,000 in 3 months.
4 EDGE REWARD points for every ₹200 spent.
HPCL IDFC FIRST Bank Power+ Credit Card:
Up to 6.5% savings on fuel.
5% rewards on groceries and utility bills, plus IDFC FIRST FASTag.
3X reward points on UPI retail spends.
₹499 joining fee but no renewal fee, so lifetime free after year one.
Indusind Bank Legend Credit Card:
Lifetime free BookMyShow Buy 1 Get 1 movie ticket offer.
Redeem reward points on top brands.
Axis Bank MY Zone Visa Credit Card:
Similar to the Rupay version.
₹120 off twice a month on Swiggy.
Four free domestic lounge visits per year.
4 EDGE REWARD points for every ₹200 spent.
Indusind Bank EasyDiner Credit Card:
Up to 50% off on dining via EasyDiner app.
Two complimentary airport lounge visits every quarter.
Two free BookMyShow movie tickets monthly worth ₹200 each.
₹1,999 joining and renewal fees, but good savings on food for food lovers.
HDFC Bank Millennia Credit Card:
Perfect for online shoppers.
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, and more.
Earn up to 1,000 CashPoints monthly.
Quarterly ₹1,000 gift voucher on spending ₹1 lakh.
₹1,000 joining and renewal fees, but worth it for online benefits.
Flipkart Axis Bank Credit Card:
Great for online shopping.
5% cashback on Flipkart, 4% on Cleartrip, Curefit, PVR, Swiggy, Uber.
Four free domestic lounge visits yearly.
₹500 annual fee but popular for everyday rewards on Flipkart.
Swiggy HDFC Bank Credit Card:
10% cashback on Swiggy Food, Instamart, Dineout, and Genie.
5% cashback on other online spends.
₹500 joining and renewal fees.
