Lifetime Free Cards
Cards with no annual fee forever.
Data as of 18 Jun 2026
Cards in Lifetime Free Cards
35 cards
AU Small Finance Bank
AU LifeTime Free Credit Card
Lifetime free. 5X on top merchants; 2X on others — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X on top merchants; 2X on others
AU Small Finance Bank
AU RuPay Credit Card
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
IDFC FIRST Bank
IDFC FIRST Wealth Credit Card
Lifetime free. 3X rewards + wealth benefits — Best for lifetime-free · rewards · premium.
Annual Fee
Lifetime Free
Reward Rate
3X rewards + wealth benefits
ICICI Bank
ICICI Bank Tata Neu Credit Card
Lifetime free. 5% NeuCoins on Tata spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata spends
Kotak Mahindra Bank
Kotak League Platinum Credit Card
Lifetime free. 1 reward point per ₹100 — Best for fuel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Kotak Mahindra Bank
Kotak 811 Dream Different Credit Card
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · beginners.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
SBI Card
SBI Card Tata Neu
Lifetime free. 5% NeuCoins on Tata — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% NeuCoins on Tata
DBS Bank India
DBS Live Fresh Credit Card
Lifetime free. 5X on online & 2X offline — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5X on online & 2X offline
Standard Chartered
Standard Chartered Platinum Credit Card
Lifetime free. 5% cashback on fuel & utility — Best for fuel · bill-payments · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% cashback on fuel & utility
American Express
Amex SmartEarn Credit Card
Lifetime free. 10X on Amazon/Flipkart (cap); 5X on others — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
10X on Amazon/Flipkart (cap); 5X on others
Federal Bank
Federal Bank Celebration Credit Card
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
IDFC FIRST Bank
IDFC FIRST Select Credit Card
Lifetime free. 3X on top categories; 1X others — Best for lifetime-free · rewards · lounge-access.
Annual Fee
Lifetime Free
Reward Rate
3X on top categories; 1X others
Jupiter (Federal Bank)
Jupiter Edge Credit Card
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
OneCard
OneCard Metal Credit Card
Lifetime free. 5X rewards on top spending categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top spending categories
Bank of Baroda
Bank of Baroda Empower Credit Card
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Standard Chartered
Standard Chartered Smart Credit Card
Lifetime free. 2X rewards on dining — Best for dining · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on dining
Yes Bank
Yes Bank YES Prosperity Credit Card
Lifetime free. 2X reward points on all spends — Best for rewards · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X reward points on all spends
American Express
Amex Gold Credit Card
Lifetime free. 1000 bonus points on ₹20K monthly — Best for rewards · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1000 bonus points on ₹20K monthly
IndusInd Bank
IndusInd Bank iconNIQ Credit Card
Lifetime free. 1 reward point per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
1 reward point per ₹100
Kotak Mahindra Bank
Kotak RuPay Credit Card
Lifetime free. 2X rewards on UPI spends — Best for rewards · upi · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI spends
RBL Bank
RBL Bank ShopRite Credit Card
Lifetime free. 2X reward points on online — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X reward points on online
Uni (SBM Bank)
Uni Pay Credit Card
Lifetime free. 2X rewards on UPI — Best for upi · cashback · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
HSBC India
HSBC Visa Platinum Credit Card
Lifetime free. 2X rewards per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
2X rewards per ₹100
ICICI Bank
ICICI Platinum Credit Card
Lifetime free. 1 payback point per ₹100 — Best for lifetime-free · beginners.
Annual Fee
Lifetime Free
Reward Rate
1 payback point per ₹100
Axis Bank
Axis Ace Credit Card
Lifetime free. 2% on bill pays; 1% on others — Best for lifetime-free · cashback · bill-payments.
Annual Fee
Lifetime Free
Reward Rate
2% on bill pays; 1% on others
slice (SBM Bank)
slice Credit Card
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
IDFC FIRST Bank
IDFC FIRST Classic Credit Card
Lifetime free. 3X reward points on all spends — Best for lifetime-free · rewards · beginners.
Annual Fee
Lifetime Free
Reward Rate
3X reward points on all spends
Uni (SBM Bank)
Uni Credit Card
Lifetime free. 1.5X rewards on all spends — Best for rewards · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
1.5X rewards on all spends
Niyo (DCB Bank)
Niyo Global Credit Card
Lifetime free. 2X rewards on forex spends — Best for travel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on forex spends
OneCard
OneCard RuPay Credit Card
Lifetime free. 5X rewards on top categories — Best for lifetime-free · app-driven · rewards.
Annual Fee
Lifetime Free
Reward Rate
5X rewards on top categories
AU Small Finance Bank
AU Aldiyar Credit Card
Lifetime free. 2X rewards on fuel & travel — Best for fuel · travel · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on fuel & travel
Federal Bank
Federal Bank RuPay Credit Card
Lifetime free. 2X rewards on UPI — Best for rewards · upi · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on UPI
ICICI Bank
ICICI Amazon Pay Credit Card
Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
5% back for Prime on Amazon; 3% for non-Prime
Kotak Mahindra Bank
Kotak MOJO Credit Card
Lifetime free. 2X rewards on online spends — Best for online-shopping · lifetime-free.
Annual Fee
Lifetime Free
Reward Rate
2X rewards on online spends
Canara Bank
Canara Bank Maha Shakti Credit Card
Lifetime free. 2 reward points per ₹100 — Best for lifetime-free · rewards.
Annual Fee
Lifetime Free
Reward Rate
2 reward points per ₹100