Looking for the best lifetime free credit cards in India? Whether you’re a beginner or a savvy spender, a card with zero annual fees and great benefits can make a huge difference. Here’s our list of the top 5 lifetime free credit cards in 2025.
🏆 1. IDFC FIRST Millennia Credit Card
Joining Fee: ₹0
Annual Fee: ₹0
Best For: Online Shopping, EMI Benefits
Key Features:
- 3x to 6x reward points on spends
- Zero annual fee forever
- Fuel surcharge waiver
- EMI conversion on large spends
💳 2. Amazon Pay ICICI Credit Card
Joining Fee: ₹0
Annual Fee: ₹0
Best For: Amazon Shoppers
Key Features:
- 5% cashback for Prime users
- Direct cashback into Amazon Pay balance
- Accepted worldwide
- No hidden charges
🔥 3. Axis Bank Lifetime Free Card (MyZone)
Joining Fee: ₹0 (via offers)
Annual Fee: ₹0 (lifetime offer)
Best For: Entertainment & Lifestyle
Key Features:
- BOGO on movie tickets
- Complimentary lounge access
- Fuel surcharge waiver
- Discounts on Swiggy, Zomato
💼 4. HSBC Visa Platinum
Joining Fee: ₹0
Annual Fee: ₹0
Best For: Cashback & Rewards
Key Features:
- 10% cashback on initial spends
- Up to 15% off on dining
- 2 reward points per ₹150
- No annual fee if used regularly
✈️ 5. ICICI Coral Contactless Card (Lifetime Free via Offers)
Joining Fee: ₹0 (via ICICI Offers)
Annual Fee: Waived with spend conditions
Best For: Travel & Lounges
Key Features:
- 1 free domestic lounge visit per quarter
- 2x rewards on dining
- Smart EMI options
- Contactless payments
💡 Conclusion
Choosing the right lifetime free credit card depends on your spending habits. These cards offer real value without burning a hole in your pocket. Want to compare more? Check our full credit card comparison on CardRecommend.com.
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| Credit Card | Joining Fee | Annual Fee | Best For | Rewards |
|---|---|---|---|---|
| IDFC FIRST Millennia | ₹0 | ₹0 | Online Shopping | 3x–6x Reward Points |
| Amazon Pay ICICI | ₹0 | ₹0 | Amazon Users | 5% Cashback (Prime) |
| Axis MyZone | ₹0* | ₹0* | Entertainment | Movie Offers, Lounge Access |
| HSBC Visa Platinum | ₹0 | ₹0 | Dining & Cashback | 10% Cashback, 2 RP/₹150 |
| ICICI Coral | ₹0* | ₹0* | Travel | Free Lounge Visits, Dining Rewards |
* Subject to lifetime free offer eligibility or waiver conditions.
✅ Pros
- Zero annual and joining fee
- Good for online shopping
- Reward points on all spends
- No minimum income criteria
- No international lounge access
- Limited reward redemption
- No virtual card feature
Frequently Asked Questions
❓ Is a lifetime free credit card really free?
Yes, it means there are no joining or annual fees — ever. However, always check for terms and conditions like spend-based waivers.
❓ Will I get cashback or rewards on a free credit card?
Absolutely. Many lifetime free cards still offer cashback, reward points, lounge access, and other benefits.
❓ Can I apply for more than one lifetime free credit card?
Yes, there’s no restriction. Just make sure you manage them responsibly to maintain a good credit score.
❓ Will it affect my credit score?
Not negatively. In fact, timely payments and good usage can improve your credit score over time.