💳 Top Lifetime Free Credit Cards in India (June 2025)
Looking for a credit card with zero annual charges that still gives great perks? Here are some of the best no-fee credit cards available in India right now, offering value without any hidden cost.
1. IDFC FIRST Millennia Card
A top pick among zero-fee cards, this one packs a punch when it comes to everyday rewards.
- 💰 No joining or renewal charges ever
- 🎁 Earn 3x reward points on regular purchases, 10x on birthday spending and monthly spends above ₹20,000
- 🛍️ Includes deals on dining, entertainment, fuel surcharge waivers, and free railway lounge access
Ideal for young professionals who spend consistently and want flexible perks.
2. IDFC FIRST Classic Card
If you’re looking for simple rewards and free benefits, this one is another solid option.
- 🚫 No fees – completely free for life
- 🪙 3x reward points on most expenses, 10x for high spenders
- 🧳 Complimentary railway lounge access and fuel waiver
- 🎁 Free welcome voucher, plus insurance protection
A great fit for someone with moderate to high monthly expenses.
3. IDFC FIRST Select Card
Stylish and smart, this card blends luxury and rewards without any cost.
- 🎟️ Free to own – no charges
- 💳 6x points on digital transactions, 3x on offline spends
- 🍿 Deals on dining, movies, and welcome rewards
- 🛫 Travel insurance included
Perfect for frequent online shoppers and lifestyle spenders.
4. Kotak 811 #DreamDifferent Credit Card (Secured)
Don’t have a credit history? This FD-backed card gives you a credit limit without requiring income proof.
- 🔐 Based on Fixed Deposit (FD), no annual fees
- 🎯 Rewards on daily spends and fuel surcharge waivers
- 🎁 Milestone-based Amazon vouchers
- 👨💼 Good for building credit score from scratch
Best suited for students, homemakers, and first-time credit users.
5. IDFC FIRST WOW Card (Secured Credit Card)
A smart solution for building or improving your credit, plus it saves on foreign expenses.
- 💸 Zero fees forever
- 🌍 No forex markup on international transactions
- 🎁 ₹1 reward for every ₹150 spent
- 🏦 Safe choice with FD security and decent reward system
Ideal for those who want control, security, and global benefits.
6. Amazon Pay ICICI Card
Made for Amazon users, this card is a must-have for smart online shopping.
- 📦 No joining or renewal cost
- 🛒 5% cashback for Prime members, 3% for others on Amazon purchases
- 🔁 2% cashback on partner payments, 1% on everything else
- ⛽ Fuel surcharge waived
Best for Amazon loyalists and digital payment users.
🧠 Other Noteworthy Zero-Fee Credit Cards
- HSBC Visa Platinum – Great for first-year perks, dining and hotel bonuses
- ICICI Platinum Chip – Simple, safe, and free with decent rewards
- AU Bank Xcite – Reliable daily reward card, offers lounge access
- Scapia Federal Card – Earn travel rewards, free lounge access with basic monthly use
💡 Choosing the Right Free Card
Here’s how to decide what’s best for you:
| Your Need | Suggested Card(s) |
|---|---|
| Online shopping | Amazon Pay ICICI, IDFC First Select |
| High monthly spending | IDFC First Millennia or Classic |
| No credit history | Kotak 811 or IDFC First WOW (secured) |
| Frequent traveller | Scapia by Federal Bank |
🛠 Tips Before Applying
- Ensure your credit score is 700+ for approval (secured cards don’t need one).
- Compare card benefits with your actual lifestyle needs – don’t pick one just for offers.
- Always pay full dues before due date to avoid interest.
✅ Final Thoughts
Free credit cards can offer real value if used wisely. Whether you’re a student, salaried person, or someone building their credit, there’s a perfect zero-fee option out there for you.
Want help picking the best one based on your income, spending, or travel needs? Just ask — I can guide you!
