Lifetime free credit cards (LTF) are a financial lifeline for savvy spenders. These cards offer unmatched value with no annual fees, zero joining charges, and rewards tailored to modern lifestyles. Whether you’re an online shopper, frequent traveler, or dining enthusiast, India’s leading banks have crafted LTF cards to match your needs. In this guide, we break down the best no-annual-fee credit cards in India for 2025, their perks, and how to maximize savings
Top 7 Lifetime Free Credit Cards in India (2025)
Ranked by rewards, eligibility, and user benefits
1. Amazon Pay ICICI Credit Card
- Best For: Amazon Prime members and online shoppers.
- Rewards:
- 5% cashback on Amazon purchases (Prime users).
- 3% cashback (non-Prime) + 1% cashback on other spends.
- Key Perks: Fuel surcharge waiver, no expiry on rewards.
- Drawbacks: Invite-only for non-Prime users.
2. IDFC FIRST Select Credit Card
- Best For: Premium travel and milestone rewards.
- Rewards:
- 10x reward points on spends above ₹20,000/month.
- Complimentary lounge access (4 domestic/quarter) + railway lounge visits.
- Key Perks: Low forex markup (1.5%), ₹500 welcome voucher.
3. Axis Bank My Zone Credit Card
- Best For: Dining and entertainment.
- Rewards:
- 40% off Swiggy orders (up to ₹5,000/year savings).
- BOGO movie tickets via BookMyShow.
- Key Perks: Complimentary SonyLiv subscription, 15% dining discounts.
4. Federal Bank Scapia Credit Card
- Best For: Frequent travelers.
- Rewards:
- Zero forex markup + unlimited domestic lounge access (min. ₹5,000/month spend).
- 20% Scapia coins on travel bookings.
- Key Perks: Lifetime free with EMI conversion options.
5. HSBC Visa Platinum Credit Card
- Best For: Air miles and luxury rewards.
- Rewards:
- 5x rewards on spends over ₹4 lakh/year.
- 1:1 air miles conversion with Singapore Airlines, British Airways.
- Key Perks: Taj Innercircle loyalty points, fuel surcharge waiver.
6. IndusInd Tiger Credit Card
- Best For: Weekend spenders and luxury perks.
- Rewards:
- Earn up to 6X reward points per ₹100 spent, based on annual spending slabs + BOGO movie tickets.
- 2 international lounge visits/year.
- 8 Domestic Lounge visits/year
- Key Perks: 4 complimentary golf games/lessons annually,
7. IDFC FIRST Millennia Credit Card
- Best For: UPI and utility spends.
- Rewards:
- 10x points on birthday spends + 3x points on UPI transactions.
- 4 railway lounge visits/quarter.
- Key Perks: ₹500 gift voucher on activation.
Why Choose a Lifetime Free Credit Card?
- Cost Savings: Save ₹500–₹10,000/year on fees
- Rewards Without Commitment: Earn cashback, air miles, or discounts regardless of spending levels.
- Credit Score Boost: Ideal for first-time users to build credit history.
- Flexibility: Use multiple LTF cards for different spending categories (e.g., travel, dining, shopping).
How to Pick the Right Card
- Match Spending Habits:
- Online Shopping: Amazon Pay ICICI, Axis Neo.
- Travel: Scapia, IndusInd Legend.
- Dining: EazyDiner IndusInd Platinum, Axis My Zone.
- Check Eligibility:
- Credit Score: 750+ (most banks).
- Income: ₹3–6 LPA (varies by card).
FAQs: Lifetime Free Credit Cards
- Are LTF cards truly free?
Yes—no annual or joining fees. However, late payment or forex charges may apply. - Which LTF card is best for travel?
Federal Scapia (zero forex fees) or IndusInd Legend (international lounge access). - Do LTF cards offer lounge access?
Yes! Scapia, IDFC Select, and HSBC Platinum include lounge benefits. - Can I upgrade to a premium card later?
Most banks allow upgrades based on credit history and spending patterns.
Lifetime free credit cards are not just a myth—they’re a strategic tool for maximizing savings. From Amazon Pay ICICI’s unbeatable cashback to Scapia’s travel perks, there’s a card for every lifestyle. Compare features, check eligibility, and apply through platforms like BankBazaar or official bank portals to seize limited-time offers.
joginderposwal.com is not affiliated with any credit card issuer or bank.