Top Lifetime Free Credit Cards in India for 2025

Credit cards have become essential financial tools, offering rewards, convenience, and numerous perks. While many cards charge high annual fees, India has a selection of lifetime free credit cards that combine value with affordability. Below is a curated list of some of the best options in 2025.

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1. Amazon Pay ICICI Bank Credit Card

Perfect for Amazon enthusiasts, this card, offered by ICICI Bank in collaboration with Amazon, provides:

5% cashback for Amazon Prime members.
3% cashback for non-Prime members.
2% cashback on Amazon Pay transactions with partner merchants.
Zero joining and annual fees.

Ideal for frequent Amazon shoppers and those who use Amazon Pay.

Click here to apply Amazon Pay ICICI Bank Credit Card.

2. IDFC FIRST Millennia Credit Card

The IDFC FIRST Millennia Credit Card is a versatile option with exciting features:

Up to 10X reward points on online spending and 6X on offline transactions.
Waiver of 1% fuel surcharge.
Free access to select airport lounges.
Interest rates starting as low as 0.75% per month.

This card caters to users seeking comprehensive rewards and benefits.

Click here to apply IDFC FIRST Millennia Credit Card.

3. HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card offers a range of lifestyle benefits:

10% cashback (up to INR 2,000) on spends exceeding INR 10,000 within the first 90 days.
3X reward points on dining, hotel bookings, and telecom expenses.
Complimentary lounge access at selected airports.
No joining or annual fees.

A great option for individuals looking for lifestyle perks without extra costs.

Click Here to Apply HSBC Visa Platinum Credit Card.

4. Kotak 811 #DreamDifferent Credit Card

Designed for first-time users, this card provides

2X reward points for online purchases.
Waiver of annual and joining fees.
Fuel surcharge relief.
Quick eligibility for Kotak 811 account holders.

This card is ideal for beginners and online shoppers.

Click Here to apply Kotak 811 #DreamDifferent Credit Card.

5. Axis Bank ACE Credit Card

With exceptional cashback offerings, the ACE Credit Card includes:

5% cashback on utility payments and mobile recharges via Google Pay.
4% cashback on food delivery through Zomato and Swiggy.
2% cashback on other transactions.
No annual fee in the first year; lifetime free for selected users.

Great for individuals who value cashback on everyday essentials.

Click here to apply Axis Bank ACE Credit Card.

6. ICICI Platinum Chip Credit Card

This card is a secure and straightforward choice with features like:

2 reward points for every INR 100 spent.
Waiver of fuel surcharge.
Contactless payment for added safety.
Zero joining and annual fees.

Ideal for those seeking simplicity with reliable rewards and security.

Click here to apply ICICI Platinum Chip Credit Card.

7. Axis Neo Credit Card

The Axis Neo Credit Card delivers exceptional value with:

Cashback on platforms like Amazon, BookMyShow, and Swiggy.
Reward points on all spending categories.
Fuel surcharge waiver.
Zero joining and annual fees for eligible users.

This card is an excellent pick for rewarding everyday expenses.

Click here to apply Axis Neo Credit Card.

Key Considerations When Selecting a Lifetime Free Credit Card

Before choosing a lifetime free credit card, keep these factors in mind:

Spending Habits: Select a card tailored to your shopping, dining, or travel preferences.
Rewards & Cashback: Ensure the card offers significant rewards in your preferred categories.
Eligibility Criteria: Check income or fixed deposit requirements, especially for secured cards like SBI Unnati.
Additional Perks: Look for added benefits such as airport lounge access, low-interest rates, or fuel surcharge waivers.

Conclusion

Lifetime free credit cards are an excellent way to enjoy financial freedom without the burden of annual fees. From cashback on online purchases to travel perks, these cards cater to a wide array of preferences. Analyze your spending patterns and choose a card that offers maximum value for your needs. Explore these top picks and take a step towards smarter financial management.