Best Credit Cards India 2024

Best Lifetime Free Credit Cards in India

Best Lifetime Free Credit Cards in India

Last Updated : Aug. 30, 2021, 4:14 p.m.

If you are using a credit card then it is obvious that you will have to pay the annual and renewal fee of the credit card. The bank automatically adds the renewal fee in the billing cycle of the last month. On the other hand, some credit cards have waiving off criteria in which if you reach a certain threshold limit of the transaction then your renewal or annual fee will be waived off. But, there is a third option for you in which you will not have to pay a single penny for the annual or renewal fee. You must go through the best lifetime free credit cards in India because these cards don’t have an annual fee or a renewal fee. They are offered free of cost and they have a lot of offers and benefits. Let’s take a look at the features and benefits of lifetime free credit cards.

List of Top Lifetime Free Credit Cards in India

In the table given below, you can go through the credit cards that are lifetime free and you will not have to pay any annual or renewal fee on these credit cards.

Credit CardsReward Point BenefitsOther Offers and Benefits
IDFC First Millennia Credit Card
  • Enjoy 10X Reward Points on all the transactions if they are above ₹20000.
  • Get 3X Reward Points on all the offline spends.
  • Earn 6X Reward Points on all the online transactions.
  • Earn 10X Reward Points on your birthday.
  • Enjoy a Welcome Gift Voucher of ₹500 on spending ₹15000 within 90 days from card issuance.
  • Get a Cashback of 5% on the first EMI Transaction done within 90 days.
  • Get a Discount of 25% on movie tickets every month with a maximum of ₹100.
  • Enjoy a Discount of up to 20% at 1500+ restaurants present across India.
  • Enjoy 15% off at 3000+ Health and Wellness Outlets.
  • Get 4 Complimentary Railway Lounge Visits every quarter.
  • Enjoy a Fuel Surcharge waiver of up to ₹100 every month at the refilling stations.
  • Have a Personal Accident Cover of up to ₹2 Lacs.
  • Get a Complimentary Lost Card Liability Cover of ₹25000.
OneCard Credit Card
  • 5X Reward Points on top two spending categories
  • No reward redemption fee.
  • Activate your onecard using the mobile app within 5 minutes.
  • Convert your transactions into EMI with the mobile app.
  • Share your onecard limit with your family, up to 5 members.
  • Get points on EMI transactions too.
  • Opt the FD backed onecard in case of poor credit score.
    IDFC First Select Credit Card
    • Enjoy 10X Reward Points on all the transactions that are more than ₹20000.
    • Multiply your reward point 3 times on all the offline transactions.
    • Get 6X Reward Points on all online transactions.
    • Enjoy 10X reward points on your birthday.
    • Have a Gift Voucher of ₹500 as a welcome bonus only after spending ₹15000 within 90 days from the card.
    • Have a Cashback of 5% on the first EMI Transaction done within 3 months from the date of card issuance.
    • Have Buy One Get One Free Offer on movie tickets twice a month with a maximum limit of ₹250.
    • Enjoy 4 Complimentary Accesses to Airport and Railway Lounge every quarter.
    • Enjoy up to 20% off at 1500+ Restaurants and 15% off at 3000+ health outlets.
    • Earn a Fuel Surcharge waiver of up to ₹300 every month at the refilling stations.
    • Have a Personal Accident Cover of up to ₹5 Lacs and a Complimentary Lost Card Liability Cover of ₹50000.
    • Enjoy 50+ In-App Discount Offers through this Credit Card.
    • Have a Free Road Side Assistance of ₹1399.
    • Have a Comprehensive Travel Insurance Cover of ₹22500.
    Amazon Pay ICICI Credit Card
    • There is no reward point offer available on this credit card.
    • Have a Cashback of 5% on Amazon if you are a prime member of Amazon.
    • Get a 3% Cashback on Amazon through this card if you are a non-prime member.
    • Enjoy 2% Cashback by using this card on Amazon Pay at 100+ partnered merchants of Amazon.
    • Have a Cashback of 1% on all other categories like shopping, insurance, dining, and holidays.
    • Save up to 15% on dining at over 2500 restaurants across India under the Culinary Treat Program through this credit card.
    • Get a Fuel Surcharge waiver of 1% at all the refilling stations.
    IDFC First Wealth Credit Card
    • Spend ₹20000 and above and earn 10X Reward Points on all the transactions
    • Earn 3X Reward Points on offline transactions.
    • The online transactions will earn 6X Reward Points
    • Spend on your birthday and earn 10X Reward Points.
    • On spending ₹15000 within 90 days from the card issuance date you will get a Gift Voucher of ₹500 as a welcome bonus.
    • On converting a transaction into an EMI within 90 days from the card issuance you will get a Cashback of 5% on the first conversion
    • Enjoy Buy One Get One Free Offer on movie tickets of up to ₹500 per ticket twice a month.
    • Get Complimentary Golf Rounds on this credit card.
    • Have 4 Complimentary Visits to Airport Lounges per quarter.
    • Get 4 Complimentary visits to the Railway Lounge per quarter.
    • Enjoy Complimentary Spa Visits every quarter.
    • Have a Fuel Surcharge waiver of up to ₹400 per statement cycle at the refilling stations.
    IDFC First Classic Credit Card
    • 3X reward points on online purchases up to Rs. 20,000
    • 10X reward points on online spending above Rs. 20,000
    • Reward points for education, wallet load, and government services transactions are 3X
    • Earn a Welcome Gift Voucher of ₹500 on spending ₹5,000 within 30 days
    • Get 5% Cashback on the first EMI Transaction you make within 30 days from card issuance
    Axis Bank Select Credit Card
    • 10,000 EDGE rewards on first transaction
    • 5,000 EDGE rewards on the card anniversary
    • 10 EDGE rewards on every spend
    • 2X EDGE rewards on every retail spend
    • Six complimentary golf rounds per year
    • Priority Pass Membership
    • 12 international lounge access and 2 domestic lounge access
    • ₹300 on second movie ticket at BookMyShow
    • ₹200 off on Swiggy app/website orders
    • Up to ₹500 per month on bigbasket
    ICICI Bank Instant Platinum Credit Card
    • Each ₹100 earn you 2 reward points.

    • 25% off on bookmyshow.

    HSBC Visa Platinum Credit Card
    • You need to spend ₹400,000 in a year (presumably your credit card's anniversary year) to qualify for 5X rewards bonus.

    • ₹500 worth Amazon voucher.
    • ₹3,000 annual savings on your fuel surcharge

    Credit Card Eligibility

    Documents Required for these Credit Cards

    You will have to submit a copy of your income proof, address proof, and identity proof applying for a Credit Card . So, you can check the documents that will be valid as an address, income, and identity proof.

    Identity Proof

    • PAN Card
    • Passport
    • Aadhaar Card

    Income Proof

    • Salary Slips
    • Certificate for the last 3 months
    • Latest Bank Statement indicating salary credited for a minimum of 3 months.
    • Income Tax Return Statement

    Address Proof

    • Passport
    • Ration Card
    • Electricity Bill
    • Aadhaar Card

    Conclusion

    You have seen the best lifetime free credit cards in which no annual or renewal fee will be charged. On the other hand, you must also explore the features and benefits of these Best credit cards that will help you to cut off your expenses. You can even earn thousands of reward points through these cards and redeem them at the reward points redemption website of the respective bank.

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