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Best Lifetime Free Credit Cards in India

Highlights

  • Explore all the credit cards with zero annual and renewal fees.
  • Check the features and benefits of all the credit cards that are lifetime free.
  • Know the documents required to apply for these credit cards.

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.

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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.
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

  • Get 10X reward points on all the transactions that are above ₹20000.

  • Have 3 times Reward Points on all the offline transactions.

  • Get 6X Reward Points on all the online spending.

  • Have 10X reward points on your birthday.


  • Earn a Welcome Gift Voucher of ₹500 on spending ₹15000 within 90 days.

  • Get 5% Cashback on the first EMI Transaction you make within 90 days from card issuance.

  • Enjoy a 25% Discount on movie tickets every month with a maximum limit of ₹100.

  • Get 4 Complimentary Railway Lounge Accesses every quarter on this credit card.

  • Get a Fuel Surcharge waiver of up to ₹200 every month at the refilling stations.

  • Have a Personal Accident Cover of up to ₹2 Lacs and a Complimentary Lost Card Liability Cover of ₹25000.

Axis Bank Select Credit Card (Burgundy Variant)

  • Enjoy 5000 Axis eDGE reward points on the first transaction.

  • Enjoy 10 Axis EDGE Reward Points on spending ₹200.

  • Get 2X Reward points per ₹200 on retail spends.


  • Get a Complimentary handcrafted Club Marriott membership if you spend ₹30000 within 90 days from the card set-up date.

  • Enjoy 6 Complimentary Access in a year to airport lounges under the membership to Priority Pass Program

  • Enjoy 6 Additional visits to airport lounges by spending ₹3 lacs in a year.

  • Have an Amazon Voucher of ₹2000 on your first transaction from this Axis Bank Credit Card.

  • Get a discount of 20% of up to ₹500 per month on a minimum purchase of ₹2000 on BigBasket.

ICICI Bank Instant Platinum Credit Card

  • Enjoy 2 PAYBACK points on every retail Spend worth ₹100.


  • Get ₹100 off on movie bookings made through Bookmyshow, twice a month.

  • Under the Culinary Treats Program, you can enjoy a minimum of 15% off on your dining bills at over 800 restaurants across the nation.

  • Get a 1% fuel surcharge waiver on fuel purchases up to ₹4000 at HPCL pumps.

HSBC Visa Platinum Credit Card

  • Enjoy 5X rewards on purchases made after spending ₹400000 with a maximum of 15000 accelerated reward points in a year.


  • Enjoy a welcome benefit up to ₹2250 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine meal vouchers.

  • Enjoy savings of up to ₹3000 on 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. 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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