5 best lifetime free credit cards in India with no annual fees
For credit users who value flexibility and hate paying ongoing, recurring fees, lifetime free credit cards with no annual fee or renewal fee are exceedingly valuable. Here is a comprehensive introduction to the best lifetime free credit cards in India in 2025, including cashback, dining deals, and EMI conversion options.
What does lifetime-free mean?
“Lifetime free” means no annual or renewal fees, no joining fee, and typically no waivers —ever. These cards are ideal for anyone who wants credit access without spending a certain amount to avoid fees.
(Note: Please visit the bank’s official website to learn more about the fees & charges of the credit card of your choice)
Key features of the best lifetime-free credit cards
1. Amazon Pay ICICI Credit Card: For Prime members, there’s 5% cashback while non-members earn 3%. And you’ll earn 1% cashback, which is immediately credited to your Amazon Pay account on 100% of your other purchases.
2. Fibe Axis Bank Credit Card:3% back on favoured categories, including ride-hailing, OTT subscriptions, and food delivery. Instantly convert more than ₹2,500 of purchases into hassle-free EMIs.
3. IDFC FIRST Millennia Credit Card: Shopping online earns 3X reward points, while shopping offline earns 1X. Within 72 hours, you’ll earn free railway lounge access and roadside assistance.
4. Federal Bank Scapia Credit Card: Instant 20% off every hotel booking when travelling abroad. Any foreign transaction is free of currency conversion costs.
5. Ixigo AU Credit Card: 40% off all rail reservations through the Ixigo app. Once in three months, you can enjoy complimentary lounge access at Indian airports.
In conclusion, lifetime free credit cards can be a worry-free way to approach starting with credit and benefit free. But, keep in mind, the best usage patterns ensure that your chosen card will remain a good asset opposed to a liability.
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