Top 7 Truly Lifetime Free Credit Cards in India (2025) – No Joining or Annual Fees
In today's financial landscape , a life time free credit card is a valuable tool for enjoying exclusive perks without any joining or annual fee. Several banks offers genuinely life time free credit cards with rewards , cashback and premium benefits and if you're looking for a life time free credit card in India then you're is at the right place.
What is a lifetime free credit card?
A lifetime free credit card has many useful and attractive features like no joining fee , no annual fee , rewards , cashback and discounts which it provide to the users and it has an easy eligibility criteria.
Some of top lifetime free credit card
1. IDFC FIRST Wow Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free)
- Key Perks:
- Secured credit card (FD-backed)
- 4 complimentary airport lounge accesses per year
- Fuel surcharge waiver
- Zero forex markup fees
- Eligibility: Minimum FD of ₹10,000
2. Flipkart Axis Bank Credit Card
- Joining Fee: ₹0 (Limited-time offer)
- Annual Fee: ₹0 (Lifetime Free on spends of ₹50,000/year)
- Key Perks:
- 5% cashback on Flipkart & Myntra
- 4% cashback on partner brands
- 1.5% unlimited cashback on other spends
- Welcome benefits worth ₹1,500
- Eligibility:Salaried (₹15,000+ monthly income)
3. Amazon Pay ICICI Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Unconditional lifetime free)
- Key Perks:
- 5% cashback on Amazon & 2% on other spends
- No minimum spending requirement
- 1% fuel surcharge waiver
- Instant discounts on Amazon
- Eligibility: Existing Amazon customers with good credit score
4. SBI SimplySAVE Credit Card
- Joining Fee: ₹0 (Limited-time offer)
- Annual Fee: ₹0 (Waived on spends of ₹50,000/year)
- Key Perks:
- 10X reward points on dining & movies
- 1% fuel surcharge waiver
- Discounts on Swiggy, Zomato, and BookMyShow
- Eligibility: Salaried (₹20,000+ monthly income)
5. HDFC MoneyBack Credit Card
- Joining Fee: ₹0 (Often waived)
- Annual Fee: ₹500 (Waived on spends of ₹50,000/year)
- Key Perks:
- 2X reward points on online spends
- 1% fuel surcharge waiver
- Complimentary railway lounge access
- Eligibility: Salaried (₹15,000+ monthly income)
6. ICICI Bank Platinum Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free)
- Key Perks:
- Discounts on travel, dining, and shopping
- 2 complimentary lounge accesses per quarter
- Fuel surcharge waiver
- Eligibility: Salaried (₹12,500+ monthly income)
7. Kotak League Credit Card
- Joining Fee: ₹0
- Annual Fee: ₹0 (Lifetime Free)
- Key Perks:
- Discounts on Zomato, Swiggy, and PVR
- 2% cashback on online spends
- 1% fuel surcharge waiver
- Eligibility: Salaried (₹15,000+ monthly income)
How to choose the best lifetime free credit card
Choosing the best lifetime free credit card depends on your spending habits, financial needs and eligibility . Since these cards have no joining or no annual fee so the key is to pick one which can give maximized rewards, discounts and other benefits .
Step 1: Check Your Spending Habits
Different cards offer rewards on specific categories like shopping, dining, fuel, or travel.
Examples:
** For Online Shopping:**
- Amazon Pay ICICI (5% cashback on Amazon)
- Flipkart Axis Bank (5% cashback on Flipkart/Myntra)
**For Dining & Entertainment:**
- SBI SimplySAVE (10X rewards on dining & movies)
- Kotak League (Discounts on Zomato, Swiggy, PVR)
**For Fuel & Travel:**
- IDFC FIRST Wow (Fuel surcharge waiver + lounge access)
- ICICI Platinum (Travel discounts + lounge access)
**For General Spending:**
- HDFC MoneyBack (2X rewards on online spends)
Step 2: Verify Eligibility Criteria
Lifetime free cards have minimum income & credit score requirements.
Examples:
| Card | Minimum Income (Salaried) | Credit Score Needed|
|----------|-----------------------------|------------------------|
| Flipkart Axis Bank | ₹15,000/month | 700+ |
| ICICI Platinum | ₹12,500/month | 650+ |
| SBI SimplySAVE | ₹20,000/month | 700+ |
| IDFC FIRST Wow | FD-backed (₹10,000 min) | Low score OK |
- If you have a low credit score, go for FD-backed cards (IDFC FIRST Wow).
- If you’re a student/freelancer, check for pre-approved offers (Amazon Pay ICICI).
Step 3: Compare Reward Structures
Some cards offer flat cashback, while others have category-specific rewards.
Examples:
- **Flat Cashback:**
-Amazon Pay ICICI (2% on all spends, 5% on Amazon)
- Kotak League (2% on online spends)
- **Bonus Rewards:**
- Flipkart Axis Bank (4% on partner brands, 5% on Flipkart)
- SBI SimplySAVE (10X rewards on dining/movies)
- **Lounge Access:**
- IDFC FIRST Wow (4 free visits/year)
- ICICI Platinum (2 visits/quarter)
Step 4: Look for Additional Perks
Some "lifetime free" cards waive fees only on minimum spends. Check:
- HDFC MoneyBack → Annual fee waived if you spend ₹50,000/year
- SBI SimplySAVE → Free if you spend ₹50,000/year
True lifetime free cards (no conditions):
✅ Amazon Pay ICICI
✅ IDFC FIRST Wow
✅ ICICI Platinum
Step 5: Check Hidden Charges (If Any)
Even if a card is free, watch out for:
❌ Late payment fees
❌ Cash advance fees
❌ High forex markup (except IDFC Wow & ICICI Platinum)
Final Recommendation: Best Card Based on Usage
| If You Mostly Spend On | Best Lifetime Free Card |
| Amazon/Online Shopping | Amazon Pay ICICI |
| Flipkart/Myntra | Flipkart Axis Bank |
| Dining & Movies | SBI SimplySAVE |
| Fuel & Travel | IDFC FIRST Wow |
| General Spending | HDFC MoneyBack |
Pro Tip:
- Use multiple cards (e.g., Amazon Pay ICICI for shopping + IDFC Wow for travel).
- Always pay bills on time to avoid interest & penalties.
Conclusion
A lifetime free credit card is a smart financial choice which have no fees it have only benefits. Whether you're shopping online , dining out or fueling up , these cards offers maximum value at zero cost.
FAQs
Are lifetime free credit cards really free forever?
Yes, if they have no joining/annual fees (some may require minimal spending).
Can I get a lifetime free card with a low credit score?
Secured cards like IDFC FIRST Wow (FD-backed) are easier to get.
Which card is best for online shopping?
Amazon Pay ICICI (5% cashback) or Flipkart Axis Bank (5% off) Is best for online shopping.
Can I convert my existing card to a lifetime free card?
Some banks allow upgrades—contact customer care for details.
Can I get a lifetime free card with a low credit score?
Yes! Cards like IDFC FIRST Wow (FD-backed) don’t require a credit score
