A lifetime free credit card is one that charges no annual fee, allowing users to enjoy the benefits of a credit card without recurring costs. Whether you’re looking for cashback options like the Amazon Pay ICICI Credit Card, entry-level cards such as the Axis Bank Insta Easy Credit Card, or premium perks with the IDFC First Select Card, this list has something for everyone. These credit cards with no annual fee are perfect for maximizing savings while enjoying seamless financial flexibility.
Credit cards without annual fees will eliminate the recurring costs associated with traditional credit cards. This makes it a budget-friendly option for many consumers.
Lifetime-free credit cards are a smart choice for anyone looking to enjoy the benefits of credit cards without the burden of hidden or recurring costs.
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Lifetime-free credit cards are credit cards without yearly fee. These no annual fee credit cards offer a perfect combination of affordability and benefits. Let’s go through the list of the best rewards credit cards with no annual fee from below:
Credit Card | Category | Initial Spending Threshold |
---|---|---|
ICICI Amazon Pay Credit Card | Cashback | None |
Axis Bank My Zone Credit Card | Rewards | None |
IDFC FIRST Millennia Credit Card | Lifestyle | None |
HDFC Bharat Cashback Credit Card | Cashback | None |
Kotak 811 Credit Card | Digital | None |
Yes Bank Prosperity Edge Credit Card | Premium Lifestyle | None |
IndusInd Bank Legend Credit Card | Lifestyle | None |
IndusInd Platinum Bank Credit Card | Lifestyle | None |
Federal Bank Scapia Credit Card | Travel | None |
Union Bank of India Signature Credit Card | Premium Rewards | None |
AU Bank LIT Credit Card | Customizable | None |
IDFC FIRST Select Credit Card | Lifestyle | None |
IDFC FIRST Wealth Credit Card | Premium Lifestyle | None |
ICICI Platinum Chip Credit Card | Basic | None |
Axis Bank Insta Easy Credit Card | Basic | None |
IDBI Bank Aspire Platinum Credit Card | Rewards | None |
Dhanlaxmi Bank Platinum Credit Card | Basic | None |
IDFC FIRST Bank OneCard | Metal Credit Card | None |
SBI Unnati Credit Card | Basic | None(Requires Fixed Deposit Collateral) |
HDFC Visa Platinum Credit Card | Rewards | 2 reward points for every ₹150 spent |
Canara Bank Global Signature Credit Card | Lifestyle | Spend ₹1 lakh annually |
HSBC Visa Platinum Credit Card | Rewards | Spend ₹1 lakh annually |
Indian Bank Platinum Credit Card | Rewards | Spend ₹25,000 annually |
Bank of Baroda Easy Credit Card | Basic | Spend ₹6,000 within 90 days |
Standard Chartered DigiSmart Credit Card | Digital Shopping | Spend ₹60,000 annually |
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Cashback and rewards credit cards offer incentives like cash back or points for everyday purchases, helping you earn while you spend
Best suited for Amazon shoppers, this card offers up to 5% cashback for Amazon Prime members and 1% cashback on other purchases. It also comes with no joining or annual fees, making it an excellent option for avid online shoppers.
Perks & Benefits | Details |
---|---|
Cashback on Amazon purchases | Up to 5% for Prime members |
Cashback on non-Amazon spends | 1% |
Fuel surcharge waiver | Yes, on transactions up to ₹4,000 |
Lifetime Free | No joining or annual fees |
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An all-rounder card offering up to 10X reward points on online transactions and low-interest rates starting at 0.75% per month. Ideal for everyday spending with a lifetime-free advantage.
Perks & Benefits | Details |
---|---|
Rewards points | Earn 10X points on online spends |
Annual fee | Lifetime free |
Interest rate | Low interest rates starting at 0.75% |
Fuel surcharge waiver | Yes, on transactions up to ₹400/month |
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This unique card allows users to customize rewards across dining, travel, and shopping categories. It also offers free lounge access at select airports, enhancing its appeal for frequent travelers.
Perks & Benefits | Details |
---|---|
Customizable categories | Dining, travel, shopping |
Cashbacks | Flexible reward redemption options |
Free lounge access | Selected airports in India |
Lifetime Free | No joining or annual fees |
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Perfect for budget-conscious users, this card provides attractive rewards on general spending and a lifetime-free structure. It also supports contactless payments and offers a fuel surcharge waiver.
Perks & Benefits | Details |
---|---|
Reward points | Earn on every spend |
Zero joining fees | Lifetime free |
Contactless payments | Enabled |
Fuel surcharge waiver | Yes |
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Entry-level, no annual fee cards offer an affordable way to start building credit without the extra cost of annual fees
A secured credit card designed for first-time users or those with limited credit history. Backed by a fixed deposit, it offers reward points on every spend and no income-proof requirement.
Perks & Benefits | Details |
---|---|
Minimum income requirement | None; secured against FD |
Reward points | Earn on every spend |
Lifetime Free | No annual fees |
EMI options | Available |
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Kotak 811 customers, this card simplifies everyday spending with reward points and zero joining fees. It is pre-approved for eligible Kotak 811 users, ensuring hassle-free issuance.
Perks & Benefits | Details |
---|---|
Reward points | Earn on daily spends |
Annual fee | Lifetime free |
Fuel surcharge waiver | Yes |
Pre-approved for Kotak 811 account users | Hassle-free issuance |
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A premium card offering high reward points on travel, dining, and entertainment. It also provides complimentary domestic lounge access and global acceptance, making it perfect for frequent travelers.
Perks & Benefits | Details |
---|---|
Lounge access | Free access to domestic lounges |
High reward points | On dining and travel |
Lifetime Free | No annual fee |
Global acceptance | Wide reach for international usage |
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A luxurious card catering to high-spenders and frequent travelers, it offers complimentary international and domestic lounge access. It also provides lifestyle rewards and 24/7 concierge services.
Perks & Benefits | Details |
---|---|
Complimentary airport lounge access | International and domestic lounges |
Lifestyle rewards | High cashback on premium spending |
Concierge services | 24/7 dedicated concierge support |
Annual fee | Lifetime free |
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An entry-level lifestyle card offering 2 reward points for every ₹150 spent. It includes complimentary insurance and a fuel surcharge waiver, making it a practical choice for beginners.
Perks & Benefits | Details |
---|---|
Reward points | 2 points per ₹150 spent |
Fuel surcharge waiver | Available |
Complimentary insurance | Personal accident insurance cover |
Annual fee | Lifetime free |
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This professional-grade card is equipped with EMV chip security and offers lifestyle rewards tailored for high-spenders. It also provides travel discounts and fuel surcharge waivers.
Perks & Benefits | Details |
---|---|
Reward points | Earn on every spend |
Chip security | Enhanced protection with EMV chip |
Travel benefits | Discounts on travel bookings |
Lifetime Free | No annual fee |
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A lifestyle card offering high rewards on dining, travel, and shopping. It includes complimentary airport lounge access and regular cashback offers, making it ideal for lifestyle enthusiasts
Perks & Benefits | Details |
---|---|
Reward points | High rewards for dining and shopping |
Travel perks | Free lounge access |
Cashback offers | Regular cashback on spends |
Lifetime Free | No fees |
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This card offers a mix of rewards and essential services for everyday needs. It includes dining benefits, travel rewards, and complimentary insurance for cardholders.
Perks & Benefits | Details |
---|---|
Rewards | Earn points on all categories |
Lifestyle perks | Dining and travel benefits |
Free insurance | Accident cover included |
Lifetime Free | No annual fees |
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Bank-specific general-use credit cards are versatile financial tools issued by banks, offering a range of benefits such as rewards, low-interest rates, and customizable features for everyday purchases.
A general-purpose credit card offering reward points on every spend. With lifetime-free usage, it is ideal for users seeking a no-frills, value-driven credit card.
Perks & Benefits | Details |
---|---|
Reward points | Earn on every spend |
Fuel surcharge waiver | Applicable |
Annual fee | Lifetime free |
Easy EMI options | Available |
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Lifetime free credit cards offer the perfect blend of affordability and benefits, making them an excellent choice for budget-conscious individuals. Here’s a closer look at the top features that set these cards apart:
Say goodbye to recurring costs! Lifetime free credit cards eliminate annual maintenance fees and upfront joining charges, ensuring you enjoy the perks of a credit card without added expenses.
Maximize your spending with lucrative rewards and cashback on everyday purchases like shopping, dining, and travel. Some cards even offer accelerated rewards in select categories, helping you get more value with every transaction.
Save on fuel expenses with surcharge waivers offered by many lifetime free credit cards. This feature is especially beneficial for frequent travelers, making refueling more cost-effective and hassle-free.
Enjoy high-end benefits like complimentary lounge access, EMI options, and discounts on lifestyle services—all without paying any annual fees. These perks let you experience premium privileges while keeping your finances in check.
While specific eligibility criteria can vary between banks and credit card issuers, here are some general factors that typically influence your chances of getting a credit card without an annual fee:
Criteria | Details |
---|---|
Age | Must be at least 18 years old. |
Income | Stable income required; minimum level varies by bank or issuer. |
Credit Score | A good credit score improves approval chances by showing financial responsibility. |
Employment Status | Stable job or self-employment enhances eligibility. |
Residential Status | Must be a resident of India. |
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When applying for a credit card without annual fees, you’ll need to provide certain documents to verify your identity, address, and financial status. Here’s a quick guide to the documents commonly required:
Document Type | Documents |
---|---|
Proof of Identity | Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card |
Proof of Address | Aadhaar Card, Passport, Driving License, Voter ID Card, Utility Bills, Rental Agreement |
Income Proof | Salary Slip, Form 16, Bank Statements, ITR Returns |
Additional Documents | Photograph, Signature Proof |
Applying for a credit card without an annual fee online is simple and convenient. By following these steps, you can ensure a smooth application process and choose a card that fits your financial needs.
Check Eligibility: Start by visiting the official website of the bank or credit card issuer. Review the credit cards they offer and carefully check the eligibility criteria. Factors such as age, income level, and credit score are typically considered.
Gather Required Documents: These are necessary documents to verify your eligibility. Commonly required documents include:
Apply for the Card: Once you’ve identified the card that aligns with your lifestyle, such as cashback, rewards, or premium benefits, proceed with the application. Fill out the online form provided by the bank with accurate details. Ensure you upload the necessary documents as specified during the process.
Activate the Card: You’ll receive your credit card after your application is approved. To activate it:
Note:It is recommended to visit the official website of the respective bank or contact their customer service for detailed and updated instructions.Please ensure all information provided during the application is accurate to avoid delays or rejection.
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The best credit card with no annual fee depends on your needs. Popular options include the Amazon Pay ICICI Credit Card for cashback and rewards, and the IDFC First Select Credit Card for premium lifestyle benefits.
Yes, many banks offer credit cards with no annual fee. These include lifetime free credit cards like the Axis Bank Insta Easy Credit Card and the HSBC Visa Platinum Credit Card.
The Amazon Pay ICICI Credit Card and the IDFC First OneCard are excellent choices for lifetime free credit cards, offering rewards, cashback, and no annual fees.
Yes, you can avoid paying an annual fee by choosing lifetime free credit cards or cards that waive the annual fee upon meeting certain spending thresholds.
To avoid the annual fee, choose lifetime free cards, meet minimum spend criteria, or negotiate with your issuer.
To avoid credit card fees, pay bills in full, avoid cash withdrawals, and keep track of due dates.
Top 3 credit card companies in India: HDFC Bank (reward cards), SBI Cards (diverse options), and ICICI Bank (lifetime free cards).
SBI credit card annual fees vary. For example: SimplySAVE - ₹499 (waived on ₹1 lakh spends), SimplyCLICK - ₹499, and some cards are free for life.
Credit card risks include debt due to overspending, missed payments affecting credit scores, fees for late payments, cash withdrawals, or exceeding limits, and fraud from insecure use.
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