In 2025, using credit cards has become more common than ever. People are choosing credit cards not only to spend easily but also to earn rewards, cashback, and discounts. However, most credit cards come with annual or joining fees, which many people want to avoid. That’s why “lifetime free credit cards” have become very popular.
If you’re someone who wants a credit card without any hidden charges, then this post is for you. In this blog, we’ll talk about the best lifetime free credit cards in India in 2025 and where you can get them.
What is a Lifetime Free Credit Card?
A lifetime free credit card means you don’t have to pay any joining fee or annual maintenance charges for using the card — ever. You can keep using the card without worrying about fees as long as you meet the card issuer’s conditions (some cards are free without conditions, while others are free if you use them once a year).
Top Lifetime Free Credit Cards in India 2025
Here are some of the best lifetime free credit cards you can apply for in 2025:
- IDFC FIRST Millennia Credit Card
Annual Fee: Zero (Lifetime Free)
Benefits: 3X to 6X reward points on all spends, free roadside assistance, fuel surcharge waiver, and up to 20% off on dining.
Where to Apply: Visit www.idfcfirstbank.com
This card is great for youngsters and working professionals who want good rewards on daily spending.
- Amazon Pay ICICI Credit Card
Annual Fee: Zero (Lifetime Free)
Benefits: 5% cashback for Amazon Prime users, 3% for non-Prime users, 1% on other spends, no cost EMI, fuel surcharge waiver.
Where to Apply: Through Amazon App or www.icicibank.com
If you shop often on Amazon, this is one of the best cards in the market.
- AU Bank LIT Credit Card
Annual Fee: Zero (Lifetime Free)
Benefits: You can customize your benefits like airport lounge access, cashback, OTT subscriptions, etc.
Where to Apply: Visit www.aubank.in
A smart choice for people who like to choose their own perks.
- Axis Bank Flipkart Credit Card (Lifetime Free Offer with Axis Savings Account)
Annual Fee: Rs. 500 (Waived off if you open an Axis Savings Account under some offers)
Benefits: 5% cashback on Flipkart, 4% on preferred partners, and 1.5% on other spends.
Where to Apply: Visit www.axisbank.com or nearest branch
Great for people who shop frequently on Flipkart and Myntra.
- HSBC Visa Platinum Credit Card
Annual Fee: Zero (Lifetime Free)
Benefits: 10% cashback on shopping, reward points on every spend, fuel surcharge waiver.
Where to Apply: www.hsbc.co.in
Ideal for first-time users looking for international brand trust and simple rewards.
Tips to Choose the Right Card
Before you apply for a credit card, keep the following things in mind:
Check your credit score: A good score (above 700) increases approval chances.
Match the card to your lifestyle: If you shop online often, go for cards like Amazon Pay or Flipkart cards.
Check hidden conditions: Some cards are “free” only if you spend a certain amount yearly.
Apply directly from the bank website: This ensures safe and faster processing.
How to Apply for Lifetime Free Credit Cards?
You can apply for these cards in three simple ways:
- Online through the bank’s official website
- Mobile apps of Amazon, Flipkart, or the respective banks
- Visiting the nearest branch of the issuing bank
Keep your PAN card, Aadhaar card, income proof, and a passport-size photo ready.
Final Words
Lifetime free credit cards are a smart choice in 2025 if you want the benefits of a credit card without paying yearly fees. Whether you’re a student, a salaried employee, or a homemaker, there’s a free credit card option that suits your spending needs. Just use the card wisely, pay bills on time, and enjoy the rewards without paying anything extra.
Choose the one that fits your lifestyle and start your credit journey smartly today!
