Credit cards are one of the most useful financial tools when used wisely. But annual fees often discourage people from getting one. The good news is that many banks now offer lifetime free credit cards — cards with no joining or renewal charges, while still giving you cashback, reward points, and lounge benefits.
In this article, we list the Top 5 Lifetime Free Credit Cards in 2025, their benefits, eligibility criteria, and who they are best suited for.
Best Lifetime Free Credit Cards of 2025
| Credit Card | Best For | Lounge Access | Key Perk | Income Requirement |
|---|---|---|---|---|
| Kiwi Credit Card | UPI Cashback | 3 Domestic | 5% Cashback on UPI | ₹3L+ pa |
| IDFC Millennia | Beginners | 4 Railway/quarter | ₹500 Welcome Voucher | ₹25K/month |
| Axis Privilege Ace | Lifestyle | 8 Domestic/year | Free Movie Ticket Monthly | ₹50K/month |
| IndusInd Tiger | Travel | 8 Domestic + 2 International | Golf + Low Forex Fee | ₹20K/month |
| HDFC Tata Neu Plus | Tata Shopping | 4 Domestic/year | Up to 7% NeuCoins | ₹25K/month |
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Kiwi Credit Card
The Kiwi Credit Card stands out as one of the best RuPay UPI-linked cards. Since it works with UPI apps, you can use it just like a debit card but enjoy cashback and rewards.
Key Benefits:
- 5% Cashback on UPI spends
- 3 Free Domestic Lounge Accesses per Year
- Free Neon subscription worth ₹1,000
- Reward points on every spend
Eligibility:
- Age: 25 – 60 years
- CIBIL: 720+ (preferably 750)
- Income: ₹3 Lakhs+ per annum (salaried)
Who should get it?
Ideal for professionals who use UPI daily and want extra cashback without paying fees.
Also Read: Best Cashback Credit Cards in India
IDFC Millennia Credit Card
If you’ve just started your career, the IDFC Millennia Credit Card is a great first card with strong lifestyle benefits.
Key Benefits:
- Lifetime free (₹0 joining & renewal fee)
- ₹500 Welcome Voucher on spending ₹5,000 in the first 30 days
- 4 Railway Lounge Accesses per Quarter
- 25% off on Movie Tickets (up to ₹100/month)
- 1% Fuel Surcharge Waiver
Eligibility:
- Salaried: ₹25,000+ per month
- Self-employed: ₹3 Lakhs+ annual profit
- Age: 21 – 60 years (salaried), 25 – 60 (self-employed)
Who should get it?
Best for young professionals looking for their first lifetime free credit card.
Axis Privilege Ace Credit Card
The Axis Privilege Ace Credit Card is free only if applied before September 30, 2025. It combines travel, movies, and dining benefits.
Key Benefits:
- 8 Complimentary Airport Lounges per Year (2/quarter)
- 1 Free Movie Ticket per Month (up to ₹250)
- Spend ₹2.5 Lakhs/year = 10,000 Edge Points (worth ₹2,000)
- Dining offers via EasyDiner (₹800 off + 20% extra discount)
- 1% Fuel Surcharge Waiver
Eligibility:
- Salaried: ₹50,000+ per month
- Business Income: ₹6 Lakhs+ annually
- Age: 21 – 65 years
- Credit Score: 736+
Who should get it?
Great for frequent fliers and food lovers who want strong lifestyle perks.
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IndusInd Tiger Credit Card
Frequent travelers will find the IndusInd Tiger Credit Card highly rewarding with a strong focus on lounge and golf access.
Key Benefits:
- 8 Domestic & 2 International Lounge Accesses per Year
- 2 Free Movie Tickets per Year (up to ₹500 each)
- 4 Golf Course Accesses per Year
- Low Forex Markup: 1.5%
Eligibility:
- Salaried: ₹20,000+ monthly income
- Self-employed: ₹30,000+ monthly income
- Age: 21 – 65 years
Who should get it?
Perfect for frequent travelers, golfers, and international spenders.
Suggested Read: Best Travel Credit Cards
HDFC Tata Neu Plus Credit Card
For those who shop on BigBasket, Croma, Titan, Tata Cliq, Westside, and Tanishq, the HDFC Tata Neu Plus Credit Card offers unmatched value.
Key Benefits:
- Up to 7% NeuCoins on Tata brand spends
- 1% NeuCoins on all UPI spends (via Tata Neu app)
- 2% NeuCoins on utility bill payments via Tata Neu app
- 4 Domestic Lounge Accesses per Year
- 1% Fuel Surcharge Waiver
Eligibility:
- Salaried: ₹25,000+ monthly salary
- Self-employed: ₹6 Lakhs annual income
- Age: 21 – 65 years
Note: Lifetime free for most, but annual fee of ₹499 + GST may apply (waived on spends).
Who should get it?
Best for Tata brand loyalists and UPI users.
Suggested Read: CRED IndusInd Credit Card
Final Thoughts on Best Free Credit Cards
Lifetime free credit cards are a smart way to enjoy rewards, cashback, and travel benefits without worrying about annual charges. The key is to choose a card that aligns with your lifestyle, whether it’s UPI payments, shopping, travel, or dining. No matter which one you pick, always maintain financial discipline: keep your credit utilization below 30%, pay your bills in full on time, and use the card only when necessary. Done right, these cards can boost your savings while building a healthy credit score.
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