Best Lifetime Free Credit Cards in India

Last Updated : Oct. 24, 2024, 3:01 p.m.

With many people opting for credit cards nowadays, it is essential to make these cards truly affordable. That is the reason why many credit card issuers have come up with cards that have zero joining and annual fees, thus making them really accessible. Let us now read about some of the top lifetime free credit cards in India in 2024.

List of Top Lifetime Free Credit Cards in India

Here is a list of some of the best no annual fee credit cards in India in 2024.

Features and Benefits of No annual fee Credit Cards

• No Joining/Annual Fee: This feature makes them an affordable option for individuals who cannot invest in buying a credit card.
  
• For Building Your Credit: Lifetime free credit cards are a great way to build your credit score. Make your bill payments on time and keep a low credit utilization. In this way, you can slowly and steadily improve your credit score. This will make it easier for you to become eligible for credit cards in the future easily.
  
• Eligibility Criteria is Flexible: Lifetime free credit cards come with a less stricter eligibility criteria. These credit cards usually cater to first time credit card users or salaried professionals with moderate incomes. So, you do not have to have a great credit score or income to qualify for these cards.
  
• Rewards: Although these cards are free, they come with great benefits, reward points, cashback, discounts, vouchers, waivers etc. across various categories like dining, fuel, departmental stores, etc. These cards also provide great redemption options.

Lifetime Free Credit Cards 2024 - Key Highlights

Amazon Pay ICICI Credit Card

This card is specially curated for individuals who are interested in shopping on Amazon. They can also use the premium subscription program of Amazon Prime, which gives individuals access to various additional services. These services offer quick product deliveries, ebooks, gaming, grocery shopping, and streaming of music. However, they are chargeable.

Key Highlights:

• Enjoy a cashback of 5% on your spends on Amazon India if you are a member of Amazon Prime.
• Non members can earn a cashback of 3% on your spends on Amazon India.
• Earn a cashback of 2% on payments to 100 plus partner merchants.
• Earn a cashback of 1% on your expenses such as shopping, dining, insurance payments, travel, and much more.

ICICI Platinum Chip Credit Card

Enjoy transacting safely with this card, which provides an additional layer of security to keep your card from getting duplicated and counterfeited. The card offers reward points across popular brands you will love and many other benefits such as fuel surcharge waiver.

Key Highlights:

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

AU LIT Credit Card

The features of the card can be tailored according to the person, and they can customize the features according to their lifestyle. Enjoy the privilege of getting accelerated reward points on online and offline spends, lounge access benefits, bonus cashback, and much more with this card.

Key Highlights:

• Accrue 10x reward points on all online domestic transactions.
• Earn 5x reward points on all online international retail transactions.
• Earn 10x or 5x reward points on all POS and contactless offline domestic and international transactions.
• Maximum reward points redeemable in a statement cycle is up to 10000 reward points.
• For fuel, rent, cash withdrawal, BBPS, Quasi Cash, education and government service transactions, base reward point of 1 and accelerated reward points of 10/5x will not be given.
• For each Rs. 100 spent on utility and insurance transactions, earn 1 reward point.
• Enjoy a fuel surcharge of 1% on all transactions in the range of Rs. 400 to Rs. 5000
• Get an additional cashback of 5% on grocery and apparel spends apart from the 1 reward point accrued per 100 spent.
• Earn a cashback of INR 1,000 in a period of 30 days.

IndusInd Bank Platinum Credit Card

Enhance your travel and lifestyle experience using the IndusInd Platinum Credit Card. It has an inclusive rewards structure that suits people with all types of lifestyle requirements. Apply for this card and experience the thrill of a premium and luxurious lifestyle.

Key Highlights:

• Get a waiver of 1% in fuel surcharge 1 on transactions in the range of Rs. 400 to Rs. 4,000 at fuel stations across India.
• For every Rs. 150 spent, get 1.5 reward points (Excluding fuel). The card offers attractive options for redemption.
• For every Rs.100 spent on UPI transactions, earn two reward points.
• Get one reward point for every non UPI transaction of Rs. 100
• Earn a reward point of Rs. 0.70 per Rs. 100 spent on select categories.
• Incremental reward points can also be credited in the form of air miles or cash based upon the bank’s decision.
• Enjoy travel insurance coverage of Rs. 100,000, Rs. 25,000, and Rs. 50,000 for lost baggage, delayed baggage, and loss of passport respectively. Travel insurance coverage is given for lost tickets and missed connections as well.
• The ‘Total Protect’ program enables you to transact with utmost safety as it covers you for unwarranted transactions in case you misplace your card or gets stolen and counterfeit card frauds holding the same credit limit as the original card.
• Enjoy a personalized air accident insurance cover of 25 lakhs.

IDFC FIRST Select Credit Card

This card comes with unmatched features designed to give you a comfortable and premium lifestyle. The card has unparalleled travel benefits such as complimentary domestic airport lounge access, assured trip cancellation cover, and low forex markup.

Key Highlights:

• Get a welcome voucher worth Rs. 500 on spends of Rs. 5000 or more within 30 days of card activation.
• Get a cashback of 5% (Up to Rs. 1000) on the transaction value of the first EMI made within 30 days of issuing the card.
• Earn 3x reward points on spending up to Rs. 20,000 in a statement cycle.
• On spending more than Rs. 20,000 in a statement cycle and on your birthday, accrue 10x reward points.
• Get 1x reward points on insurance premium and utility bill payments.
• Pay for online or in-store purchases instantly using reward points
• Get 3x reward points on transactions related to rental and property management.
• Avail an exciting 'Buy One, Get One' offer on movie tickets up to a maximum of Rs. 125 on the Paytm mobile app (valid 2 times each month)
• Get offers from 300 plus popular brands all around the year.
• Enjoy a discount of up to 20% at 1500 plus restaurants.
• Get 2 complimentary domestic airport lounge visits every quarter on spends of Rs. 20,000 every month.
• Get 4 complimentary railway lounge visits per quarter.
• Get insurance coverage for Rs.1 crore, Rs.5 lakh, Rs.50,000, and Rs.22,500 for air accidents, personal accidents, lost card liability, and comprehensive travel insurance respectively.

Kotak 811 #DreaDifferent Credit Card

The card comes with an ocean of benefits like reward points on each spend made online, high withdrawal limit for cash, waivers on railway ticket bookings and fuel, and Amazon vouchers. Enjoy a truly premium experience with this card.

Key Highlights:

• Get 4 reward points for each Rs. 100 spent online.
• Earn 1 reward point per Rs. 100 of other spends.
• Cash up to 90% of your total credit limit can be withdrawn.
• No interest will be charged for up to 48 days on cash advance.
• Get a fuel surcharge waiver of 1% on fuel transactions in the range of Rs. 500 to Rs. 3000 (Subject to a maximum of Rs. 3500/year)
• Get waivers of 1.8% for ticket bookings on IRCTC.Co.in and 2.5% on Indian railway booking counters (Subject to a maximum of Rs. 500 per year)
• Get an Amazon voucher worth Rs. 1000 on reaching milestone spends of Rs. 72,000 in an anniversary year.
• Get an Amazon voucher of value Rs. 250 on reaching milestone spends of Rs. 36,000 in an anniversary year.

IDFC First Millennia Credit Card

This card is a great pick for the millennial gen. It comes with cool perks such as low interest rates, magnificent discounts at merchants, and huge reward points. Make this card a part of your wallet and enjoy your life.

• Earn 10x rewards on incremental spends more than Rs. 20,000 per month
• Earn 3x rewards on spends of up to Rs. 20,000 per month
• Get a cashback of 5% on the transaction value of EMI generated within 30 days of issuing the card (Subject to a maximum cashback of Rs. 1,000)
• Get a discount of 25% (Up to Rs. 100) on movie tickets booked via the Paytm mobile app
• Get 4 complimentary railway lounge access every quarter.

Federal Bank Scapia Credit Card

This co-branded card between Federal Bank and Scapia Technology Private Limited is a card designed for travel enthusiasts. With unrestricted lounge access, complimentary dining, shopping, and spa, the card leaves the cardholder with a great user experience and benefits.

Key Highlights:

• Enjoy limitless domestic lounge visits, complimentary dining, shopping, or spa on spends of Rs. 10,000 using the card every month.
• Earn 10% reward points in the form of Scapia coins on every eligible online and offline spend.
• These reward points can be redeemed against flights, hotels, and buses @ 1 reward = 1 Scapia Coin
• Enjoy a zero forex markup fee on all transactions done overseas.

IDFC FIRST OneCard

This credit card is suitable for entry level card users who are looking for basic features in a card. The card comes with a beneficial rewards program and cashback on your first EMI. Enjoy other benefits like complimentary movie tickets, lounge access, etc. with this card.

Key Highlights:

• Get welcome gift vouchers of value Rs. 500 on reaching spends of Rs. 5,000 within 30 days of card issuance.
• Get 10x reward points on incremental buys exceeding Rs. 20,000 per billing cycle.
• Earn 3x reward points on purchases done up to Rs. 20,000 per month.
• Get a cashback of 5% on your first EMI transaction created within 30 days of issuing the card.
• Get a cashback of 5% on the first EMI transaction done within 30 days of card issuance.
• Enjoy a buy 1 get 1 free offer on movie ticket bookings through the Paytm mobile app.
• Enjoy 2 complimentary domestic lounge visits per quarter on reaching spends of Rs. 20,000 in a month.
• Avail 4 complimentary railway lounge visits every quarter
• Enjoy a low forex markup fee of 1.99%.

HSBC Visa Platinum Credit Card

Key Highlights:

• Earn 2 reward points per Rs. 150 spent
• Earn 5x reward points on any purchase made after exceeding spends of INR 4,00,000, subject to a maximum of 15,000 accelerated reward points in a year.
• The card offers exciting redeeming options like vouchers across various categories of fashion accessories, jewelry, home appliances, electronic equipment, and cosmetics.
• It enables you to convert your points into air miles with Air India’s flying returns, Etihad Airways, Singapore Airlines, and British Airways. Here are the conversion rates for various membership programs
  • Air India’s flying returns (For Star Alliance members) - 2 reward points = 1 Air India Mile.
  • Singapore Airlines (Kris Flyer) - 2 reward points = 1 Kris Flyer Mile
  • British Airways Executive Club (Avios) - 2 reward points = 1 Avios Mile
  • Etihad Airways - 2 reward points = 1 Air Mile
  • InterMiles (Previously known as JetPrivilege) - 2 reward points = 1 InterMile

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.