By Bharti Bisht
Updated On February 16, 2024

There are a lot of features and benefits that credit cards provide to their users. Most cards by top issuers come with a joining and annual fee, which the cardholder has to pay. However, some card issuers like Axis Bank provide free lifetime credit cards from time to time.

Axis Bank Lifetime Free Credit Cards

For some cards, there are no joining or annual charges, while some credit cards can be made LTF by spending a certain amount in a card anniversary year. Usually, the privileges offered by lifetime free credit cards are lesser than those of paid cards. But Axis Bank truly offers an innovative range of cards with great offers, discounts, and deals. Additionally, lifetime free credit cards are perfect for individuals who don’t need to use their cards a lot and want to build a good credit score and history.

Table of Contents

List of Top Axis Bank Lifetime Free Credit Cards

The following are some of the best LTF Credit Cards offered by Axis Bank.

Axis Bank My Zone Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Movies

Reward Type

Reward Points

Welcome Benefits

Free SonyLiv annual subscription worth Rs. 999.

Axis Bank Neo Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get 100% cashback up to Rs. 300 on your first utility bill payment within 30 days of getting the card.

Axis Bank KWIK RuPay Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

NA

Fibe Axis Bank RuPay Credit Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

NA

First-Year Free Axis Bank Credit Card

Airtel Axis Bank Credit Card

(4.7/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Food

Reward Type

Cashback

Welcome Benefits

Amazon Voucher Worth Rs. 500

Axis Bank LTF Credit Card By Reaching Spend Milestone

Flipkart Axis Bank Credit Card

(5/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Shopping

Reward Type

Cashback

Welcome Benefits

Introductory Benefits Worth Rs. 600 on Card Issuance

IndianOil Axis Bank Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance.

Axis Bank Rewards Credit Card

(4.5/5)

Fees

Joining Fee

Rs. 1,000 + GST

Renewal Fee

Rs. 1,000 + GST

Best Suited For

Dining

Reward Type

Reward Points

Welcome Benefits

5000 EDGE reward points on spending Rs. 1000 and above within 30 days of card activation

Axis Lifetime Free Credit Cards Comparison

In the following table, we will compare some of the best and most-popular Axis Bank lifetime free and some other affordable, low joining fee credit cards.

Category Axis Bank My Zone Credit Card Axis Bank Neo Credit Card
Joining/Annual Fee Nil Nil
Welcome Benefit Complimentary SonyLiv Premium annual subscription worth Rs. 999 Get 100% cashback up to Rs. 300 on your first utility bill payment 
Reward Earning 4 EDGE Points per Rs. 200 spent with the card   1 EDGE REWARD point on every Rs. 200 spent
Dining/Movie Benefits Buy One Get One offer on movie ticket bookings via Paytm Movies Up to 20% off at partner restaurants with Dining Delights program You get 10% off on booking movie tickets on BookMyShow and 40% off food delivery while ordering with Zomato
Travel Benefits 1 free domestic lounge access per quarter N/A

Benefits of Axis Bank Lifetime Free Credit Cards

Here are the benefits of Axis Bank lifetime free and some other low joining fee credit cards–

  • You do not need to pay any joining or annual fee for the lifetime free credit cards. These credit cards do not charge any money from the customers.
  • You can easily apply for lifetime free credit cards either online with CardInsider on the website or offline at the bank branch. It is a simple and straightforward process.
  • There are many privileges and benefits offered by these credit cards, even though they do not charge any joining or renewal fees.
  • These credit cards have a high reward rate across multiple spend categories like travel, fuel, shopping, dining, entertainment, movies, etc.
  • These cards are perfect for people who do not prioritize rewards and offers and want to use the card to build their credit history and improve their credit scores.

Eligibility Criteria for Axis Bank Lifetime Free Credit Card

Before you apply for a lifetime free credit card from Axis Bank, make sure you meet the following eligibility requirements –

  • The applicant must be at least 18 to 70 years of age
  • The applicant must be an Indian citizen or a non-resident Indian
  • The applicant must have a stable source of income
  • The applicant must have a decent credit score

How to Apply for Axis Bank Lifetime Free Credit Cards

  • Click on Apply Now.
  • Provide all the necessary details, information, and documents needed for the application.
  • Go through all terms and conditions thoroughly and accept them.
  • Next, click on Submit, and your application will be submitted to Axis Bank.

After your application is approved, you will get your credit card and can use it wherever you want to.

Bottom Line

Not everyone has huge amounts of money and purchases super-premium credit cards with the best privileges and benefits. No doubt, many cards offer top-class privileges across all major categories, but some individuals do not have a very high budget. To satisfy millennials and young professionals, many card issuers provide lifetime free credit cards that do not have a joining or renewal fee and offer decent benefits to cardholders.

When it comes to Axis Bank, there are a few decent lifetime free credit cards. Some cards can be availed as First Year Free (no joining fee), like the Airtel Axis Bank Credit Card, while some can be made as LTF. Some basic entry-level cards by Axis Bank charge up to Rs. 500 for joining. The benefits and features offered by such cards are lesser when compared to other expensive and premium cards. However, these cards are perfect for those who sparingly use their credit card and just want to build their credit history and score with responsible use of the card.

Let us know in the comments section if there is any Axis Bank Credit Card, out of the ones discussed above, that you want to apply for.

FAQs:

The following Axis Bank credit cards can be made lifetime-free by spending the required amount in a card anniversary: Flipkart Axis Bank, Indian Oil Axis Bank RuPay, and Rewards Credit Card.
No, lifetime-free credit cards come absolutely free of cost, as their name suggests. You do not need to pay any joining fee or renewal fee to get such credit cards. These cards cannot compete with other super-premium credit cards, but they still offer plenty of exciting benefits and privileges to the cardholders.
You can apply for a lifetime free Axis Bank Credit Card by clicking on the Apply Now button appearing on your screen.