Ultimate Financial Freedom with Free Credit Cards for Life 

Credit cards have become an essential part of your financial journey. Its most attractive elements are the flexibility it offers and the rewards and benefits you gain. However, getting a credit card or keeping one is not simple. You must pay a joining fee to get a credit card and an annual fee to keep using it. 

If you are a recent college graduate, working at your first job, or a first-time credit card user, these fees may seem like a burden. Thankfully, many banks now offer lifetime free credit cards for which you do not have to pay any joining or renewal fees. 

This article provides information about the best lifetime-free credit cards available in India. 

Benefits of Signing Up for Lifetime Free Credit Cards

All the popular banks, nationalised or private-sector, offer lifetime free credit cards. You can gain the various benefits below by signing up for these. 

• Zero joining and renewal fees
• Fuel surcharge waiver
• Premium benefits like access to airport lounges, discounts on dining and food delivery, deals on movie tickets, shopping, etc
• Welcome benefits and bonus reward points
• Minimum income requirement 
• Quick approval

7 Lifetime Free Credit Cards: Top Picks

Nowadays, most banks offer a lifetime free credit card for their customers. The features, benefits and rewards offered may vary for each card. With free lifetime credit cards categorised as cashback cards, travel cards, shopping cards, etc., finding the best one might be confusing. Let us simplify this. Here are the 7 best lifetime free credit cards in India.

HSBC Visa Platinum Credit Card

This lifetime free credit card is ideal for dining, shopping, and purchasing fuel. It offers unmatched rewards, benefits, and premium privileges to its customers. 

• 5X rewards on purchases made after crossing the credit amount of ₹40000.
• 15%  discount on select products at partner platforms and stores. 
• Free movie tickets on BookMyShow every Saturday.
• Convert the Airmiles easily on Singapore Airlines, British Airways, and Intermiles portals.
• Save up to ₹3000 per year with the fuel surcharge waiver.
• Zero liability on lost cards with a cover of up to ₹300000 on card misuse.
• Easy replacement of card within 3 days. 

IDFC First Select Credit Card

A lifetime free credit card for frequent shoppers is ideal if you look forward to rewards instead of cashback. Working on an incremental spend reward points system, you earn more rewards if you spend more with this credit card. 

• 10X reward points on incremental purchases of more than ₹25000 in every billing cycle. 
• 6X reward points on all online purchases for up to ₹25000/month.
• 3X reward points on all offline purchases for upto ₹25000/month.
• Gift vouchers worth ₹500 on spending ₹15000 within 90 days of card issuance. 
• 5% cashback on an EMI transaction made within 90 days of card issuance. 
• Complimentary airport lounge access across India up to 4 times per quarter. 
• Free ticket on booking movie tickets using the PayTM mobile app for up to ₹250.

Amazon Pay ICICI Bank Credit Cards

This lifetime free credit card offers attractive cashback options to its customers, which is credited as an Amazon Pay balance. Amazon Prime users get the highest cashback. 

• 5% cashback on all spends made on Amazon by Prime subscribers. 
• 3% cashback on every purchase made on Amazon by non-Prime subscribers. 
• 2% cashback on more than 100 partner merchants of Amazon Pay.
• 1% cashback on all purchases.
• 15% discount and offers on a few partner restaurants across the country. 
• 1% waiver on fuel surcharge at all petrol pumps in India. 

IndusInd Bank Platinum Credit Cards

With this reward-oriented credit card, you can earn value for every transaction. Use the reward points to gain travel and lifestyle benefits. Read more...