7 Best Lifetime FREE Credit Cards in India [Zero Annual Fee]

By | March 18, 2023
Best Lifetime Free Credit Cards in India

There are many Lifetime Free Credit Cards in India across various banks and credit card issuers but only few of them are worth holding in your wallet. Below Credit Cards are some of the well known and note-worthy cards that not only has zero joining and renewal fee but also comes with significant benefits.

Best Lifetime Free Cards

Here are the list of pure lifetime free credit cards in India that requires no joining fee or renewal fee to posses the card.

1. IDFC First Wealth Credit Card

IDFC First Wealth Credit Card Review

A premium credit card that’s worth exploring for its airport lounge/spa/golf benefits. It rewards pretty good too if you have high value spends.

Apart from the above, you will also be able to get relatively low interest rate if you’re carry forwarding your balances.

apply now

2. Axis Myzone Credit Card

Axis My Zone Credit Card Review

An amazing Credit Card in this segment that gives 40% off on Swiggy (equivalent to >5000 INR savings a year) and complimentary airport lounge access.

Note that Axis also does run lifetime free offer for this card every once in a while which is currently active. (ends by 31st March 2023).

apply now

*** Limited Period Offer: Lifetime FREE ***

3. Axis Indian Oil Credit Card

Indian Oil Axis Bank Credit Card

Axis Bank Indian Oil Credit Card isn’t the best pick for most because of the challenge in reward fulfilment system. But if it works well in your location, it’s an good card.

Note that Axis is now running Axis Indian Oil Credit Card as Lifetime Free. (ends by 31st March 2023).

apply now

*** Limited Period Offer: Lifetime FREE ***

4. IDFC First Select Credit Card

IDFC First Select Credit Card Review

Just incase if you’re unable to get the IDFC Wealth Credit Card, chances are you would be approved for the IDFC Select credit card or other variants.

It’s a semi-premium credit card that’s worth exploring for its airport lounge benefits and decent rewards.

Apart from the standard benefit, you’ll also be able to enjoy the targeted promos like this Diwali 2022 promo that shows up every once in a while.

apply now

5. ICICI Amazon Pay Credit Card

ICICI Amazon Pay Credit Card

If you’re shopping on Amazon and have Amazon Prime a/c, it makes sense to get ICICI Amazon Pay Credit Card, as you can get 5% back as Amazon Pay Balance on Amazon spends.

It esp. makes sense if you’re not holding other super premium credit cards that allows you to buy Amazon vouchers with accelerated rewards.

6. HSBC Platinum Credit Card

HSBC Platinum Credit Card

If you love direct cashback or intend to convert your points to Taj Hotels, then HSBC credit card is worth exploring, as it’s one of the very few cards in the country that allows conversion of points to Taj Innercircle.

7. Yes First Exclusive Credit Card

Yes First Exclusive Credit Cards
Yes First Exclusive Credit Card with Box

While Yesbank Credit Cards were almost useless for the past over 3 years, we’ve started getting some wonderful offers lately like this 5X rewards offer, so it’s definitely worth exploring.

Most Yesbank Cards are Lifetime Free cards, feel free to get the highest one for which you’re eligible.

Other Credit Cards

Apart from the above list, you may as well explore below credit cards if you’re interested in any specific benefit that these cards offer at the merchants that you frequently spend with.

  1. HDFC Credit Cards (depending on the available offer)
  2. Seasonal Offers on other ICICI Credit Cards, etc

Speaking of HDFC Credit Cards, any card would do, as their merchant offers are pretty good, apart from reward rate.

Final Thoughts

If you’re looking for Lifetime Free Credit Cards with low annual spends, above list is sufficient for you to get maximum value even without significant spends, as the value you derive from the card benefits is quite lucrative.

If you’re looking for more entry-level credit cards with low annual fee, or the cards that comes with fee waiver on spends, you may as well check out the best credit cards article to get the complete list of best credit cards in India in 2023 (updated).

Which Lifetime Free Credit Card that you hold is highly rewarding? Feel free to share in the comments below.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

29 thoughts on “7 Best Lifetime FREE Credit Cards in India [Zero Annual Fee]

  1. Rajesh KSV

    Hey, you have missed Flipkart Axis Bank Credit card! Since 3+ years Flipkart is tying up with Axis bank for Big Billion Day sales and more popular sales. So I have been getting 10%+5% = 15% discounts (obviously some caps) where as Amazon ties up with non ICICI bank for sales which means we only get 5% (unlimited) or 10% (limited) discounts. Also FK Axis bank provides cashback in statement directly. Its a wonderful card (if you are buying mobiles, electronics a lot for yourself and your family members)

    1. Siddharth Post author

      It’s not LTF isn’t it?
      But yeah 500 INR is quite good for Flipkart card.

      Axis Flipkart Credit Card

      1. Raj

        Unable to activate domestic online transaction and Axis customer care Unable to help for over a year now, despite dozens of complaints 😔

      2. Rajeev Nakka

        Flipkart sometimes runs LTF campaign, me and my brother got it as LTF.

    2. Ankur M

      No This time it was 8% + 5% though.

      @Sid Include BoB cards as well Premier and Select are good LTF cards right now.

        1. Akash

          I often use their cards for recharge and bill payment on Amazon plus, they have 15% off on flights on most websites in comparison to other cards.

        2. Ankur M

          Every month BoB offers some recharge/bill payment offer, Also very aggressive offers with ecommerce websites(10% Instant discount). Premier offers Rupay CC, 1 Lounge Access. Overall right now they are a good carryby.

  2. Keyur

    Also zomato edition and Axis Flipkart 🙂
    I got those as LTF during offer, not sure if they are still LTF.

    1. Keyur

      I especially like Axis FK as it gives 1.5% cashback everywhere else and that to directly to statement every month. And ofcourse 5% direct cashback for FK (irrespective of prime membership like Amazon has)

      1. Balaji

        SBI Cashback card and axis ace is the best combo. SBI cashback gives 5% on all online and ace gives 2%for all offline.

        1. Keyur

          That 5% is lucrative but it didn’t make it to this article as it’s not LTF. Then again, if someone spends 2 lacs to waive the fees, then this is ideal.

  3. Abhi

    Indusind Legend maybe ok as well, used to be paid earlier but now LTF.
    Spends must be on weekends only, and they give 16K pts on 6L spends in a year. Value is 0.75 in cash or 1:1 for club vistara transfer. Few benefits include domestic lounge, roadside assistance complimentary and 1+1 on bookmyshow.

  4. Devang Singh

    Axis card restricting edge point on certain categories starting Nov 15, do you have any idea on that?

  5. Rajarshi Roy

    @Sid using LTF BOB premier since last dec. Used website specific flight booking offers quite a few times in Paytm, EMT, Goibibo apart from blinkit etc.
    Also a very low profile Ltf card, I’m using is PNB rupay platinum, have got good lounge access list, covering even tier 2 -3 cities well and international access too with diner network (since hdfc stopped almost all tier2,3 airports and some small airports have no access to visa signature or master access)
    And yes, indusind legend Ltf is a well option too.

  6. ismail

    got an email about some devaluation of BOB Eterna. Its now veryconfusing which all transactions give 3.75%cashback. Might as well ditch the card

  7. Rakesh Ravindran

    They will said free but they was big lies, they will cut the your all amount for credit card maintenance charge only 200rs monthly wise.

  8. Arpit

    SBI cashback card is leading all cards as of now. Only catch is you have to spend 2 lac per annum for fees waiver. Fees is 999

  9. Laksh

    I particularly love the Flipkart axis card. I have been using it for about a year and I got it at a LF offer.

    • 5% cashback on Flipkart and Myntra
    • 4% cashback on preferred merchants like Swiggy, Uber – This is more exciting to me than the 5% ones because I use Swiggy and Uber almost daily.
    • 1.5% on all other transactions

    You get the cashback amounts transferred monthly back to credit card and also mentioned in statement so it’s also very transparent.

  10. Sukhdev

    In the case of SBI Cashback Credit Card one has to spend just Rs 24000 online in order to get Rs 1200 as cashback which covers your Renewal Fee of Rs 999+GST.

  11. bootstrap

    Hey Sid. Could you elaborate how you use amazon card with other super premium cards for extra rewards. Will selecting amazon pay balance itself give 5% rewards if we have an icici amazon card added in account ?

  12. Krishna Chaitanya

    I havent received any info on devaluation of BoB eterna

    Can anyone confirm it

  13. Ravindra Kumar Kumawat

    Axis Bank Indian Oil card is also LTF now for a limited period.

  14. Abhi

    Hsbc platinum, LTF, sort of a hidden semi-gem, gives 3.25% value in the form of neucoins, if you spend 6.25L in an anniversary year. Low entry barriers, so makes for a good entry level card, and very few restrictions in terms of spend categories – like rent will attract 1.18% from Jan23, and limited sourcing locations.

  15. Sujith

    Hi, Is it worth collecting all Lifetime free credit cards from all different banks? Are there any disadvantages to doing this? Will my CIBIL be impacted if I have to cancel this card?

    Can anyone please suggest?


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