🏆 Top 10 Lifetime-Free Credit Cards in India – Apply Today
Looking for a credit card with no annual or joining fees? Whether you’re a first-time user or a savvy spender, a lifetime-free credit card can offer great value without the extra cost. Here are 10 of the best free credit cards in India that come with exciting rewards, cashback, lounge access, and other benefits—without charging any yearly fee.
🔟 Best Lifetime-Free Credit Cards (2025)
1. Amazon Pay ICICI Bank Credit Card
- Best for: Frequent Amazon shoppers
- Benefits: Cashback up to 5% on Amazon purchases, 1–2% on other spends, fuel surcharge waiver, and direct credit to Amazon Pay balance.
2. Fibe Axis Bank Credit Card (RuPay)
- Best for: Food, movies, and travel
- Benefits: 3% cashback on popular categories like food delivery and entertainment, 4 complimentary airport lounge visits annually, and zero fuel surcharge.
3. IDFC FIRST Millennia Credit Card
- Best for: Young professionals and online shoppers
- Benefits: Higher reward points on online purchases and weekend spending, no late payment fees, and free lounge access at railway stations and airports.
4. IndusInd Bank Legend Credit Card
- Best for: Travel and weekend shopping
- Benefits: Enhanced reward points on weekend transactions, free access to lounges, and savings on fuel expenses.
5. EazyDiner IndusInd Platinum Card
- Best for: People who dine out frequently
- Benefits: Up to 50% off at select restaurants, decent reward points on regular spending, and various dining privileges.
6. HSBC Visa Platinum Credit Card
- Best for: General spending and international usage
- Benefits: Bonus rewards on milestone spends, welcome vouchers, 5× reward points on specific categories, and fuel surcharge waiver.
7. Axis Bank Insta Easy Credit Card
- Best for: Beginners and those without income proof
- Benefits: Issued against fixed deposit, no income documentation needed, instant approval, and discounts on dining.
8. SBI Card Unnati
- Best for: First-time credit card users
- Benefits: No fee for 4 years, cashback on annual spends, and basic reward points on every transaction.
9. ICICI Bank Platinum Chip Credit Card
- Best for: Safe and secure spending
- Benefits: Easy approval, standard rewards, embedded microchip for extra safety, and discounts on food and fuel.
10. Kotak Mahindra Wealth Infinite Card
- Best for: Simple usage with good rewards
- Benefits: Good value on everyday expenses, fuel surcharge waiver, and benefits on train ticket bookings.
📝 How to Apply for a Free Credit Card in India
Applying for a credit card has become quick and hassle-free. Here’s a simple guide:
Step-by-Step Process:
- Check Eligibility
- Age: 18 years or older
- Stable income or FD (for secured cards)
- PAN card and valid ID/address proof
- Select the Right Card
- Match your lifestyle: Shopping, travel, fuel, or dining.
- Apply Online or at a Bank Branch
- Fill the online form or visit the bank. Some apps and platforms also offer instant approval.
- Submit Documents
- PAN, Aadhaar, income proof (if needed), and a passport-sized photo.
- KYC Process
- Complete physical or video-based KYC verification.
- Approval & Dispatch
- If approved, the card is usually dispatched within a few days.
🧠 Tips to Choose the Right Credit Card
- For Shopping: Amazon Pay ICICI or IDFC Millennia
- For Dining: Fibe Axis or EazyDiner IndusInd
- For Travel: HSBC Visa or IndusInd Legend
- For Beginners: Axis Insta Easy or SBI Unnati
Useful Habits:
- Always pay full amount before the due date.
- Avoid cash withdrawal using credit cards.
- Track your spending and redeem rewards regularly.
- Never miss a payment to build and maintain a good credit score.
⚖️ Comparison Table (Quick View)
| Credit Card | Best For | Key Highlights |
|---|---|---|
| Amazon Pay ICICI | Online shopping | Up to 5% cashback |
| Fibe Axis Bank | Dining & travel | Cashback + lounge access |
| IDFC Millennia | Online & weekend spend | High reward rate |
| IndusInd Legend | Travel & leisure | Weekend rewards |
| EazyDiner IndusInd | Dining | Restaurant discounts |
| HSBC Platinum | All-rounder | Reward multipliers |
| Axis Insta Easy | No income proof | FD-based approval |
| SBI Unnati | New users | No fee for 4 years |
| ICICI Platinum Chip | Basic spending | Chip security |
| Kotak Wealth Infinite | General use | Simple rewards |
✅ Final Thoughts
Choosing a lifetime-free credit card is a smart move, especially for budget-conscious users who still want benefits like cashback, dining offers, or lounge access. Always choose a card that suits your lifestyle and spending pattern. Whether you’re a student, working professional, or businessperson, there’s a no-fee card that can help you save more.
