Top 10 Lifetime Free Credit Cards with No Annual Fee in India

No annual or joining fees are associated with a lifetime free credit card. The greatest candidates for these free credit cards are newcomers or first-time cardholders who have recently started their careers or have never taken out a loan of any kind.

Credit cards with no annual fee are also appropriate for people who would like not to pay any fees associated with the card. There are a few credit cards in this category that provide exceptional value, but the majority simply offer minimal perks and typically have a low rewards rate.

The top 10 credit cards with no annual fee are listed below. To assist you in selecting the ideal credit card for your needs, we have included information about who should purchase each card along with the card itself.

Amazon Pay ICICI Credit Card

In the lifetime free category, the Amazon Pay ICICI Credit Card may be the greatest credit card available in India. Users of Amazon Prime might benefit most from the card because they receive the largest rewards. Amazon Pay Balance is credited with cashback, which can be used to make more purchases.

• Joining fee: ₹0
• Annual/Renewal Fee: ₹0
• Up to 5% cashback on Amazon purchases
• 1% cashback across all offline spend

Product Details

• 5% cashback on Amazon spends for Prime members
• 3% cashback on Amazon spends for non-Prime members
• 2% cashback on spends at Amazon Pay partner merchants
• 1% cashback on other spends
• 1% waiver on fuel surcharge across all petrol pumps in India

2. IDFC First Select Credit Card

Best Lifetime Free Credit Card with Travel and Lifestyle Benefits

For those seeking a high rewards rate, IDFC First Select is a credit card with no annual fee. This card operates on an incremental spend reward points basis, meaning that the more you spend, the more you earn. The earning rises upon reaching a specific spending milestone.

Key Highlights

• 10X reward points on incremental purchases greater than Rs. 25,000 per billing cycle
• 6X reward points on all online purchases up to Rs. 25,000 per month
• 3X reward points on all offline purchases up to Rs. 25,000 per month
• Gift vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days of card set-up
• 5% cashback on your first EMI transaction made within 90 days of card set-up
• Buy 1 get 1 offer on booking movie tickets (Up to Rs. 250 per ticket) via Paytm mobile app (twice per month)
• Complimentary domestic airport lounge access (4 per quarter)
• Complimentary railway lounge access (4 per quarter)
• Low foreign exchange mark-up fee of 1.99%

3. HSBC Visa Platinum Credit Card

Best Lifetime Free Credit Card for Movies and Cashback

This credit card with no annual fee is best suited for people looking for shopping and travel benefits without having to pay any annual fee on the card. You get cashback and movie vouchers on reaching the set spending milestone. Reward earnings are also higher after reaching the Rs. 4 lakh milestone.

Key Highlights

• Amazon Vouchers (worth Rs. 500) and Swiggy Vouchers (worth Rs. 250) under the introductory offer
• 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine vouchers as welcome benefit
• 10% cashback (Up to Rs. 2,000) when you make at least 5 eligible transactions totaling Rs. 10,000 or more in the first 90 days of card activation
• Reach total spending of Rs. 4 lakh in a year and get 5X rewards on all subsequent purchases
• Buy 1 get 1 free offer with BookMyShow for tickets booked on Saturday

4. IDFC First Millennia Credit Card

Best Lifetime Free Credit Card for Reward Points

The IDFC FIRST Millennia Credit Card from IDFC First Bank is ideal for high spenders because it provides six times the rewards on online purchases up to a predetermined monthly threshold. You can accrue rewards and exchange them for substantial advantages because the accrued reward points are perpetual.

Key Highlights

• 3X rewards on offline spends up to Rs. 20,000 per month
• 6X rewards on online spends up to Rs. 20,000 per month
• On spends after reaching Rs. 20,000 milestone, get 10-times more rewards across all categories
• Spend Rs. 50,000 within 90 days of card activation to get Rs. 500 welcome benefit
• 5% cashback on transaction value of EMI created within 90 days (Max. cashback Rs. 1,000)
• 25% discount on movie tickets booked via Paytm mobile app (Up to Rs. 100)

5. ICICI Platinum Chip Credit Card

Life time Free Credit Card with Basic Features

ICICI Platinum Chip Credit Card is suited to the needs of those who are new to credit and want a basic card only for building a good credit score. This is one of the best no annual fee credit cards.

Key Highlights

• 1 reward point per Rs. 100 spent on utilities and insurance
• 2 reward points per Rs. 100 across all other categories except fuel
• Redeem your rewards against vouchers or products from the ICICI Rewards Catalogue
• 1% fuel surcharge waiver at HPCL pumps for transactions up to Rs. 4,000
• Up to 15% off on dining at 2,500 partner restaurants