Credit Cards Without Annual Fee


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.

Top Lifetime Free Credit Cards

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

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*Note that the features, benefits, and other terms may change over time as per the banks. Also, for customizable cards, you will need to pay a fee to activate specific features in the credit card.

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Cashback & Rewards Credit Cards with No Annual Fee

Cashback and rewards credit cards offer incentives like cash back or points for everyday purchases, helping you earn while you spend

1. Amazon Pay ICICI Credit Card

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.

Amazon Pay ICICI Bank Visa Credit Card
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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2. IDFC First Millennia Card

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.

IDFC First Millennia Credit Card design with a vibrant graphic of a man
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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3. AU LIT Credit Card

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.

image of card with chip depicting AU LIT credit card
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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4. Federal Bank Scapia Credit Card

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.

Image of cards with a man holding bag represents od federal bank scapia credit card
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 Credit Card with No Annual Fee

Entry-level, no annual fee cards offer an affordable way to start building credit without the extra cost of annual fees

1. Axis Bank Insta Easy Credit Card:

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.

Image of red card with a chip showed as axis bank insta easy credit card
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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2. Kotak 811 Credit Card:

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.

image shown of card with chip a black card performed of Kotak 811 credit card
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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3. Premium and Lifestyle Credit Cards:

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.

Visual representing red card of Premium and Lifestyle Credit Cards
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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4. Legend Credit Card:

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.

Black card shows with a chip means legend credit card
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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5. HDFC Visa Platinum Credit Card:

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.

Card shows as black color with HDFC logo shows Premium and Lifestyle Credit Cards
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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6. ICICI Premium Chip Credit Card

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.

visual showed with ICICI bank logo and visa in the image means CICI Premium Chip Credit Card
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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7. HSBC Platinum Credit Card:

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

silver card is shown with HSBC logo and visa image shown represents hsbc platinum credit card
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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8. IndusInd Platinum Bank Credit Card:

This card offers a mix of rewards and essential services for everyday needs. It includes dining benefits, travel rewards, and complimentary insurance for cardholders.

Visual shown of black card shown with rupay depicting indusind platinum credit card
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 with No Fee

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.

Dhanlaxmi Bank Platinum Credit Card:

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.

image shown a card of black color with text visa means dhanalaxmi platinum 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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Features of Lifetime Free Credit Cards

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:

  1. No Annual or Joining Fees
  2. 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.

  3. Reward Programs and Cashback
  4. 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.

  5. Fuel Surcharge Waivers
  6. 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.

  7. Premium Perks at Zero Cost
  8. 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.

Eligibility Criteria for Lifetime Free Credit Cards

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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Document Required to Apply for Free Credit Cards

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

Steps to Apply for Credit Cards Without Annual Fee

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:

  • Proof of Identity: Aadhaar Card, PAN Card, Passport, or Driving License
  • Proof of Address: Aadhaar Card, Utility Bills, or Rental Agreement
  • Income Proof: Salary Slips, Form 16, or Bank Statements
    Having these documents ready ensures your application process is quick and hassle-free.

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:

  • Follow the activation instructions sent with the card.
  • Use the bank’s online portal or mobile app for easy activation.
  • Alternatively, activate the card at an ATM by completing a transaction or setting your PIN.
    Once activated, your card is ready for use.

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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Frequently Asked Questions

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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