Best Lifetime Free Credit Cards India 2026
- Updated On: 3 February, 2026
The annual/joining fee is an essential factor we all consider when looking for the perfect credit card. Everyone desires a credit card that offers maximum benefits with minimum charges. Everyone has different needs and requirements. While some would like a premium credit card and are willing to pay a high fee for it, some would want to opt for lifetime free credit cards as they might occasionally use it or simply don’t want to pay charges for the same. Keeping such individual requirements in mind, almost all card issuers and financial institutions issue some lifetime free credit cards. From HDFC Bank to IDFC, all credit card issuers in India have some form of lifetime free secured or unsecured credit card offerings.
What is an LTF Credit Card?
As the term suggests, a lifetime free credit card has no annual fee. This means that you won’t have to pay any yearly charges for using this card. Many people choose to start their credit journey with an LTF card, as it appears to be the most affordable and low-risk option.
LTF credit cards offer benefits similar to those of any other credit card. Some may provide BOGO offers on movies, while others offer free lounge access. All major credit card issuers in India offer some cards with no joining or renewal charges. However, these credit cards usually have fewer features and benefits compared to those with an annual fee. We have compiled a list of India’s top lifetime free credit cards below. These credit cards come with no annual fee. The cards on our list have an easy application process and come without any hidden charges. For better convenience and more options, we will also include credit cards that offer lifetime free benefits.
List of Top Lifetime Free Credit Cards in India 2026
With a bunch of lifetime-free credit cards available in the market, choosing one can be quite confusing. Some of you may also find it challenging to identify the best no-annual-fee credit cards, potentially missing out on the best offers. Keeping this in mind, we are here to assist you with a list of the top lifetime free credit cards in india. Considering all your requirements and spending habits, select the card that is the most suitable for you.
Scapia Credit Card
(4.7/5)
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
20% Scapia Coins on Travel Bookings (~4%) & 10% Scapia Coins on All Other Transactions (~2%)
Welcome Benefits
N/A
Card Details +
The Scapia Federal Credit Card, launched by Federal Bank in partnership with fintech platform Scapia, is a lifetime-free travel credit card designed for frequent travellers. Cardholders earn 20% Scapia Coins on flight and hotel bookings via the Scapia app and 10% Scapia Coins on other eligible spends, with no cap on redemption. The card also offers zero forex markup and unlimited domestic lounge access on meeting monthly spend thresholds of ₹20,000. Rewards can be fully redeemed for travel bookings on the Scapia app, making it a strong option for users who regularly book flights and hotels.
IDFC FIRST Millennia Credit Card
(4.6/5)
- Joining FeeNil
- Annual FeeNil
- Best Suited ForMovies | Shopping
- Rewards TypeReward Points
Rewards Rate
10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions
Welcome Benefits
5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation
Card Details +
The IDFC FIRST Millennia Credit Card is a great choice for young spenders looking for an affordable, rewards-based card. It offers up to 10x non-expiring reward points on eligible spending, which can be redeemed anytime. The card includes perks like four complimentary railway lounge visits per quarter, discounts on dining (up to 20%) and movies (25% on District), and welcome benefits such as a ₹500 gift voucher and 5% cashback on your first EMI transaction. With no joining or annual fees, this lifetime free card is a smart option for those seeking value and convenience.
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForFood
- Rewards TypeReward Points
Rewards Rate
2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
Welcome Benefits
3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
Card Details +
The EazyDiner IndusInd Platinum Credit Card is designed specifically for food and dining. Those who frequently dine out should definitely consider having this card, as it offers up to a 25% discount on dining expenditures. With this credit card, you can enjoy significant savings and discounts on every transaction made at EazyDiner. Choose from a wide range of top-notch restaurants listed on the EazyDiner website and app, and pay through PayEazy to avail yourself of the discounts. As a welcome benefit, you will also receive a three-month EazyDiner Prime membership along with the card.
IDFC FIRST Select Credit Card
(4.4/5)
- Joining FeeNil
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions
Welcome Benefits
Vouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.
Card Details +
The IDFC FIRST Select Credit Card is a premium offering from IDFC First Bank, designed to cater to individuals seeking a wide array of benefits across travel, shopping, entertainment, and more. With attractive features such as up to 10x reward points on spending, complimentary lounge access at airports and railway stations, and special discounts on dining and movie tickets, this card stands out for its versatility and value. Additionally, its lifetime free membership, low forex markup fee, and comprehensive insurance coverage make it an appealing choice for frequent travelers and shoppers alike.
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForTravel | Shopping
- Rewards TypeCashback
Rewards Rate
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Welcome Benefits
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
Card Details +
Amazon Pay ICICI Credit Card is a card launched in collaboration with the popular e-commerce platform Amazon that provides you with cashback for your online shopping spending. This is one of the most popular lifetime free credit cards in India. Prime members can get up to 5% cashback on shopping at Amazon, non-prime members get up to 3% cashback on their spending made with this card, and all other spends shall be eligible for 1% cashback. You will also receive a host of welcome benefits up to ₹2,000 with this card.
Axis Bank Neo Credit Card
(4.2/5)
- Joining FeeLifetime Free (Limited Time Only)
- Annual FeeLifetime Free (Limited Time Only)
- Best Suited ForShopping | Food
- Rewards TypeReward Points
Rewards Rate
1 EDGE REWARD Point/₹200 on All Eligible Spends (Reward Rate 0.10%)
Welcome Benefits
100% Cashback Up to ₹300 on First Utility Bill Payment
Card Details +
The Axis Bank Neo Credit Card stands out as one of the best lifetime-free credit card options for millennials and first-time credit card users due to its unbeatable combination of affordability and benefits. With no joining fees or annual fees, it provides access to multiple rewards and privileges, especially for people who enjoy dining out and watching movies. From exclusive discounts on popular platforms like Zomato, Myntra, Blinkit, and BookMyShow to cashback on utility payments, this card offers alot. Cardholders shall receive a 10% discount (up to ₹250) on a minimum spend of ₹750 on Blinkit once a month and a discount of ₹150 on a minimum shopping of ₹999 on Myntra.
The added advantage of UPI linkage for RuPay variant users ensures effortless transactions.
IndusInd Legend Credit Card
(4.3/5)
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)
Welcome Benefits
N/A
Card Details +
The Legend Credit Card is a basic lifetime free credit card offered by IndusInd Bank. It is most suited for first-time card applicants as it is packed with benefits ranging from shopping to travel. With this card, you would get 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends. You shall also get Buy One Get One Free offers on movies.
AU Bank LIT Credit Card
(4.5/5)
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForMovies | Travel | Dining | Fuel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹100 Spent. 10X or 5X Accelerated Reward Points and Additional Cashbacks (Paid Features)
Welcome Benefits
N/A
Card Details +
AU Small Finance LIT Credit Card is the first customizable credit card in India, which allows you to personalize the features of the card. With an LIT card, you can choose from five different categories of features that you want to use for 90 days. These categories include travel benefits, OTT membership benefits, shoppers category, milestone cashback category, and other categories. Additionally, you will earn base reward points for every Rs. 100 spent with the card. The card also offers 10X or 5X accelerated reward points, 5% cashback three times over a 90-day period, and complimentary lounge access per quarter.
Lifetime Free Credit Cards in India – Detailed Reviews
Best LTF Credit Card for Unlimited Rewards – IDFC First Select Credit Card
The IDFC First Select Credit Card is one of the top choices for the best lifetime credit card, which offers unlimited and never-expiring rewards in India. With this card, you can earn 3X Reward Points on online and offline purchases (up to ₹20,000). Additionally, you can earn 10X Reward Points on incremental spends above ₹20,000. In the entertainment arena, this card offers a 25% discount on movie ticket bookings made with the District app.
Why We Choose This Card?
This credit card provides a decent reward rate for spends up to ₹20,000, and after that, you can enjoy an exceptional reward rate of 10X RP. In addition to entertainment benefits, this card also offers complimentary roadside assistance and free railway lounge access (4 each quarter). It is easily accessible to everyone as it has a simple application process and requires an annual income of at least ₹3 lakh. The best part? The Reward Points awarded with the IDFC Select Credit Card never expire.
Best Entry Level LTF Credit Card – Axis Bank Neo Credit Card
Axis Bank provides a lifetime free credit card that is suitable for entry-level users who are avid shoppers. In addition to earning Edge Reward Points on all of your purchases, you also receive fantastic savings on partner brands like Paytm, Myntra, and Zomato. Speaking of entertainment perks, using this card to reserve films at BookMyShow gets you a 10% discount. This card also comes with interesting discount offers and partner brand partnerships. You will also earn 1 EDGE Reward Point on each spend of ₹200.
Why We Choose This Card?
Zomato, Paytm, Myntra, and Blinkit are some of the most popular apps on our mobile phones. By using the Axis Bank Neo Credit Card, you can enjoy great discounts while making purchases on these platforms. Additionally, you can get a 5% discount on utility bills. Moreover, you can link your Neo RuPay Credit Card to UPI apps like Google Pay, PhonePe, or Paytm.
Best Shopping LTF Credit Card – Amazon Pay ICICI Bank Credit Card
The Amazon ICICI Bank Credit Card is a shopping credit card that is ideal for frequent shoppers who use the Amazon platform. With this card, you can enjoy great discounts in the form of cashback, which will be credited to your Amazon Pay balance account. There are no hidden charges associated with this card, and you can easily apply for it online.
Why We Choose This Card?
Any list of lifetime free credit cards would be complete with the Amazon Pay ICICI Bank Credit Card, which is one of the most popular credit cards in India. With this card, you can get 5% cashback in your Amazon Pay account on all purchases. Even if you are a non-Prime member, you are still eligible for a 3% cashback. All other eligible spends shall get 1% unlimited cashback (except payments made for rent). This card provides simple benefits for all types of spending, whether online or offline. Additionally, you can take advantage of great welcome benefits and offers on utility bill payments.
Comparison of Lifetime Free Credit Card
Lounge access is regarded as one of the most exclusive benefits offered by credit cards, typically associated with premium cards. At the same time, reward points earned for various categories of spending also matter. The following table displays the value of reward points earned and complimentary lounge access available for various free credit cards.
| Credit Card | Reward Redemption | Airport/Railway Lounge Access |
| IDFC FIRST Millennia Credit Card | 1 Reward Point = ₹0.25 | 4 Free Railway Lounge Access Each Quarter |
| Axis Bank Neo Credit Card | 1 Reward Point = ₹0.25 | None |
| IDFC First Select Credit Card | 1 Reward Point = ₹0.25 | 1 Complimentary Domestic Airport Lounge Access Every Quarter (4 Each Year) |
| Amazon Pay ICICI Bank Credit Card | Cashback into Amazon Pay Balance | None |
| EazyDiner IndusInd Platinum Credit Card | On the EazyDiner App | None |
| IndusInd Legend Credit Card | 1 Reward Point = ₹0.50. | None |
| LIT Credit Card | 1 Reward Point = ₹0.25 | 1 Free Domestic Airport Lounge Access Per Quarter |
Pros and Cons of a Lifetime Free Credit Card
By looking at the points below, you can clearly see that the benefits of a lifetime free credit card clearly outweigh the drawbacks.
Pros
- You can take advantage of exciting offers like BOGO on movies and discounts on bill payments.
- Special discounts like with the Amazon ICICI Credit Card, you shall get a 5% discount on Amazon.
- Income requirements for LTF Cards are low, and the application process is simple and easy.
Cons
- LTF Cards have fewer benefits than those with a fee.
- There are only a select few LTF Cards in the Indian market.
- Some LTF cards offer additional features that can be unlocked by paying a small fee. For instance, the LIT Credit Card provides access to certain reward plans and features for a fee.
How We Compiled the Best List of Credit Cards in India?
We have a team of dedicated and experienced writers and researchers who conduct in-depth studies of various credit cards. Our editor then finalizes the list, keeping in mind the benefits and drawbacks of each lifetime free credit card. Only after verifying the latest features of credit cards do we come up with a list.
Who Shall Benefit from Our List?
- New Credit Cardholders – If you are a first-time applicant, a no-annual-fee card is an excellent option to start your credit journey.
- Build Credit Background – A no-annual-fee credit card is suitable for those with a low credit score or limited credit history, as it’s easier to obtain other types of cards.
- Occasional Users – For those who use credit cards infrequently, a no-annual-fee card is a more economical choice.
Conclusion
Whether you are a first-time or an experienced credit card user, a lifetime credit card would add benefits and consistent value to your finances. While it’s true that lifetime free credit cards generally offer fewer benefits compared to premium cards with an annual fee, you would get more than what you paid for since it’s free. Whether it’s purchasing from online platforms or paying bills, each card offers its unique benefit and would immensely benefit you.
Applying for a lifetime free credit card with Card Insider is easy, and once the card arrives, you can start using it right away. No-fee credit cards can be a great option for those looking for an affordable card that offers maximum savings opportunities.
FAQs:
What is a lifetime free credit card?
Lifetime-free credit cards are cards that do not carry any joining and renewal fees. These cards are not different from other credit cards; they just don’t carry any annual fee with them. Though the membership fee for such cards is zero, the cardholders would still incur and face other fees associated with the card, such as finance charges, late payment fees, cash withdrawal fees, etc.
Are lifetime free credit cards really free?
Yes, the lifetime free credit cards are actually free in terms of their membership charges. However, this doesn’t mean that you will not face other charges that a card carries. That is, you will still face cash withdrawal charges, interest rates, foreign markup fees, etc.
Which is the best lifetime free credit card?
It is really hard to categorize a credit card as the best card over other credit cards, as the needs of an individual are different. However, according to Card Insider IDFC First SELECT Credit Card is one of the best out there.
Which bank provides lifetime free credit cards?
Almost every credit card issuer offers a lifetime free credit card. Banks like ICICI, AU Small Finance, HSBC, IDFC, and many more have offered lifetime free credit card options for the applicants.
Can I use my no-annual-fee credit card for foreign transactions?
Yes, you can use your no-annual-fee credit card for foreign transactions just like a normal credit card.
Can I use my credit card to make cash withdrawals?
Yes, you can use an LTF credit card to make cash withdrawals at ATMs.
8 comments
Devendra Trivedi
The information provided by you on IndusInd Bank Card benefits and also on AU small finance bank card benefits are completely incorrect. kindly check these information and correct your data .
for example AU bank card is not free and they do not offer any complementary airport lounge facility. ditto is the case with IndusInd Bank credit card which do not offer complimentary lounge facility.
Kartik Kanwar
IndusInd Legend has been updated, whereas AU LIT does offer airport lounge access as a paid benefit. The card is still LTF.
Rahul Kumar
Indusind Legend maybe ok as well, used to be paid earlier, but now it is lifetime free. Spends must be on weekends only, and they give 4k bonus reward points on 6L spends in a year. 1 RP = 1 CV Point for redemption against Club Vistara Points. Few other features include domestic lounge access, but i love this card for the buy one get one free ticket on bookmyshow.
Arjun
I particularly love the Flipkart axis card. I have been using it for about a year and I got it at a LTF offer.
• 5% cashback on Flipkart and Myntra
• 4% cashback on preferred merchants like Swiggy, Uber.
• 1.5% on all other transactions
You get the cashback amounts transferred monthly back to credit card and also mentioned in statement so it’s also very transparent.
Aditi
Which credit card is better for railway lounge access? IDFC FIRST Classic Credit Card or IDFC Bank Millennia
ATUL
IDFC FIRST SELECT
Dalip
Bank of Broda offers good reward points on very rs100 spend. can you explain a bit more about Spend based waiver section it says to spend rs6000 in 60 days for joining fee waiver and why there is no offers for movies and dining.
Kashish
i was planning to get a credit card as I shop online alot and i think even if i get a little bit of benefit. I like the IDFC CLASSIC card gonna apply for that.