Lifetime Free Credit Cards

Unlike other credit cards, a lifetime free credit card does not charge any joining or annual fee. However, other charges are still applicable, such as late payment fees, cash withdrawal fees, foreign currency markup, and over-limit charges.

Which Best Lifetime Free Credit Cards are Available on Moneyview?

Here are the other top lifetime free credit cards -

Here is a list of some of the most popular lifetime-free credit cards available in India for you to choose from.

What are the Other Top Lifetime Credit Cards in India 2026?

A no-annual-fee credit card is a good option if you want a credit card with basic but comprehensive benefits. If you are a responsible spender, it will reduce your annual card maintenance fees and provide you with credit card benefits that will bring your cost of living down.

Now let’s take a detailed look at each of these free credit cards.

4. Axis Neo Credit Card

The Axis Neo Credit Card has a joining fee of ₹250 and an annual fee of ₹250 from the second year onwards. However, it is a lifetime free credit card on some selected channels. 

To be eligible for it, the primary cardholder should be between the ages of 18 and 70, and the add-on card member should be over 18. Cardholders should be Indian citizens, residents, or non-residents. 

• Joining & Annual Fee

  • ₹250 joining fee and annual fee from the second year

  • Lifetime free for some channels

• Rewards & Benefits

  • ₹120 off on food delivery from Zomato on minimum spends of ₹499, valid 2 times a month

  • 5% off on mobile recharges, broadband payments, or DTH recharges done via Paytm. Maximum discount of ₹150 each month, on a minimum transaction of ₹299.

  • 10% off on Blinkit, up to ₹250 off on minimum spends of ₹750 every month

  • 10% off on every purchase of movie tickets on BookMyShow, up to ₹100

  • ₹150 off on Myntra on minimum spends of ₹999 on selected styles (valid till 31st March 2026)

  • Flat 7% discount, up to ₹2,000 on domestic and international flight bookings and flat 18% discount, up to ₹4,000 on hotel bookings, once per month

  • Zero lost card liability

  • 1 EDGE reward point for every ₹200 spent 

  • 100% cashback up to ₹300 on first utility bill payment within the first 30 days of card issuance

  • Exciting offers every Wednesday:

    • Savings of up to 15% on flights and hotels via MakeMyTrip

    • 10% off on Swiggy orders

    • 10% off up to ₹1,000 on Tira

5. Federal Bank Scapia Credit Card

Federal Bank has partnered with Scapia Technology  Pvt. Ltd. to launch the Federal Scapia Co-branded Credit Card. You can get the card in just minutes through a fully digital onboarding process on the Scapia app. The virtual card can be activated immediately, and your physical card will reach you in 2-5 days. 

• Joining & Annual Fee

  • NIL

• Rewards & Benefits

  • Unlimited domestic lounge access, complimentary dining, shopping, or spa by spending ₹20,000 every preceding month. 

  • Zero forex markup on all international transactions. 

  • 10% reward on every eligible online and offline spend on VISA, 5% reward on all eligible UPI, online and offline spend of ₹500 or more on RuPay 

  • 24x7 customer service 

6. Ixigo AU Credit Card

When you apply for an ixigo AU Bank credit card, you can choose either the RuPay or Visa option. You can apply for this card through AU Bank’s website or ixigo’s website.

To be eligible for this card, you have to be between the ages of 25 and 65 if you are self-employed. You have to be between 21 and 60 years if you are salaried. You should also be an Indian resident and registered on the Ixigo platforms.

Let’s look at the key offerings of this card, which offers zero forex markup -

• Joining & Annual Fee

  • Lifetime Free 

• Rewards & Benefits

  • 10% off up to ₹3,000 on flight and hotel bookings, once a month

  • 10% off up to ₹300 on bus bookings, once per month

  • No payment gateway charges on train bookings

  • Get 1000 reward points and 1,000 Ixigo money vouchers on your first successful transaction within the initial 30 days of credit card issuance

  • 2 complimentary domestic airport lounge visits every quarter, total 8 in a year, on spending ₹50,000 in a calendar quarter. Only available for the primary cardholder. 

  • 1 complimentary international airport lounge access every year. 

  • 2 complimentary railway lounge visits per calendar quarter, total 8 in a year, for both the primary and the add-on cardholder.

  • 2.5% rewards on every ₹200 spent online, offline, and on UPI. Capped at 10,000 reward points per statement cycle.

  • 5,000 bonus reward points on completion of ₹75,000 or more in spends per calendar quarter. Reward points will remain valid for 2 years.

  • Zero liability on any fraudulent transactions

  • Convert transactions of ₹500 and above with a minimum total value of ₹2,000 into EMIs

  • ₹1.5 Lakh credit shield  in case of permanent total disability, critical illness, or death

  • 1% waiver up to ₹250 for fuel transactions between ₹400 and ₹5,000 across all fuel stations in the country.

7. EazyDiner Platinum Credit Card (IndusInd Bank)

The EazyDiner Platinum Credit Card by IndusInd Bank is another lifetime free credit card. Here are its features and benefits -

• Joining & Annual Fee

  • Lifetime Free 

• Rewards & Benefits

  • 2 reward points on every ₹100 spent (Except on fuel, insurance, rent, utility, and government)

  • 0.7 reward points on insurance, rent, utility, and government spends

  • 2X EazyPoints using your EazyDiner IndusInd Bank Credit Card

  • 3 months EazyDiner Prime membership worth ₹1,095. Guaranteed 25% to 50% off at over 2000+ premium restaurants & bars

  • Unlock more Prime-exclusive benefits like 2X EazyPoints and redeem them for free luxury hotel stays & free meals

  • 500 welcome bonus EazyPoints

  • Extra 20% off up to ₹500 when you eat out & pay on the app via PayEazy. Offer valid on take-away as well. Capped at 3 times usage in a month.

  • Extra 20% off up to  ₹500 applicable through EazyDiner IndusInd Bank Platinum Credit Card only on paying on the EazyDiner App via PayEazy. (Not applicable if the bill is paid using any other payment mode, i.e., payment done using EazyDiner IndusInd Bank Platinum Credit Card physically, other cards, UPI, wallets, etc.)

  • 3 months Prime membership renewal upon spending ₹30,000 in 90 days. Get 2000 reward points upon spending ₹30,000 every 90 days. 

  • Buy one movie ticket and get the second one free. Offer is applicable to only one ticket booking per month. Get an additional ₹50 off on selecting the F&B option. Offer valid on all theatres registered with BookMyShow across all major cities.

  • Enjoy 1% fuel surcharge waiver across all fuel stations in India.  

8. HSBC Visa Platinum Card

To be eligible for the HSBC Visa Platinum Card, if you are salaried, you should be aged between 18 and 65 years and have a minimum income of ₹6 Lakh every year. If you are self-employed, you should be aged between 25 and 65 years and have a minimum income of ₹12 Lakh per year. 

• Joining & Annual Fee

  • NIL 

• Rewards & Benefits

  • Earn 2,000 reward points when you download and log on to the HSBC India Mobile Banking app and spend at least ₹5,000 in the first 30 days of having your card.

  • Receive a voucher worth up to ₹500 for Amazon Pay, Zomato and Swiggy when you activate your card with a single transaction of ₹300 or more.

  • Get an ₹250 Amazon eGift Card when you apply online, verify yourself by video, and receive your credit card.

  • Get ₹1,000 cashback by spending ₹1,000 or more within 30 days of getting your credit card after submitting your income documents with Account Aggregator.

  • 2 reward points for every ₹150 you spend with your card.

  • Up to 6 times the reward points on hotels, flights and car rentals through Travel with Points.

  • Complimentary 12-month Times Prime subscription, giving you free access to Spotify Premium, Uber One, Discovery+, Moneycontrol Pro, Lenskart Gold and more.

  • Complimentary flight seat selections twice a year on domestic flights booked with MakeMyTrip.

  • 15% cashback added to your MakeMyTrip Wallet in 'My Cash' for hotel stays in India when you book with MakeMyTrip. 

  • Get ₹250 cashback on contactless fuel purchases on spending ₹10,000 per quarter. 

  • Get a waiver of up to ₹250 on fuel surcharges on fuel payments between ₹400 and ₹4,000 a month.

  • Save 10% on dining, activities and shopping, and buy-one-get-one on cinema tickets. 

  • Insurance coverage of up to ₹3 Lakh for any misuse of your card from 24 hours before you reported it lost. 

9. Cheq AU Credit Card

The Cheq AU Visa Credit Card features an embedded LED that lights up during tap-to-pay, offering instant visual confirmation powered by the POS terminal’s NFC field. 

To be eligible for this card, you should be an Indian resident. If you are salaried, your age should be between 21 and 60, and if you are self-employed, your age should be between 25 and 65. Add-on cardholders are required to be over 18 years of age. 

• Joining & Annual Fee

  • NIL 

  • One-time fee of ₹999+GST for LED card only

• Rewards & Benefits

  • Get 24 CheQ points per ₹200 spent on CheQ travel (flights & hotels) & utility bills paid via the CheQ App.

  • Get 24 CheQ Points per ₹200 spent on Amazon, Flipkart, Zomato, Big Basket and Apple Products powered by Unicorn exclusively on Visa Variant of CheQ AU Card and through CheQ UPI using CheQ AU RuPay Credit Card.

  • Get 10 CheQ Points per ₹200 spent on online shopping, travel, food delivery, and online grocery, covering 10,000+ brands. 

  • Link your RuPay card to CheQ UPI and earn 5 CheQ points per ₹200. 

  • 1% CheQ points per ₹200 on every transaction.

  • 1% fuel surcharge waiver up to ₹150 on fuel spends. 

10. Fibe Axis Bank Credit Card

The Fibe Axis Bank Credit Card is unique as there are no numbers displayed on the physical card. This makes the credit card truly numberless, which brings extra security to your wallet.

The Fibe Axis Bank credit card is only available to Fibe customers. 

• Joining & Annual Fee

  • NIL 

• Rewards & Benefits

  • 3% cashback on local commute or entertainment. 1% cashback on all other spends.

  • Up to 4 free domestic lounge access each year, 1 per quarter.

  • 1% fuel surcharge waiver on fuel spends between ₹400 and ₹5,000, up to ₹400 per billing cycle.

What Documents are Required for a Lifetime Free Credit Card?

Most credit card issuers require proof of income, identity, and address. Proof of income gives the lender evidence of your repayment ability. Here are the documents that are necessary for a lifetime free credit card:

• Proof of Identity 

  • Aadhaar Card

  • PAN Card

  • Passport

  • Voter’s ID Card

  • Driving License

  • Ration Card, etc.

• Proof of Address

  • Aadhaar Card

  • PAN Card

  • Passport

  • Voter’s ID Card

  • Driving License

  • Ration Card

  • Lease/Rent Agreement

  • Property Documents.

• Proof of Income

  • Salary slips for the last 3 months

  • Bank statement for the last 6 months

  • Form-16

  • ITR, etc.

What to Check When Choosing a Lifetime Free Credit Card

Choosing a lifetime credit card can seem difficult when many of them offer similar benefits. With some time to spend thinking and the checklist given below, you can make a decision in no time. Here are the things to ponder:

• Your lifestyle and spending habits

This is where you spend the most. It could be groceries, fuel, online shopping, travel, or movie tickets. A credit card that gives you discounts where you spend the most would be more beneficial for you.

• Rewards and benefits

Check which credit card gives you the most cashback, reward points, discounts, or perks on the spending categories most relevant to you.

Also, check for extra benefits. Some cards offer welcome bonuses, partner discounts, and fuel surcharge waivers. A fuel surcharge waiver will give you a refund for or waive the extra fee added to fuel transactions, usually 1% to 3% of the bill.

• Credit limit, eligibility, and your credit profile

Even lifetime-free credit cards can have minimum requirements. Make sure your income, age, credit score, and employment status meet the eligibility criteria for the credit card.

Think about the credit limit, too. A card with a credit limit too low may not be useful, and too high may tempt you to overspend.

Here is the checklist:

• Does the card charge any joining/annual fee? 

• Do the rewards and benefits match your spending habits? 

• Are the fees (interest rate, cash-withdrawal fees, late fees, foreign-transaction fees) reasonable?

• Is the issuer/bank trustworthy?

Conclusion

A lifetime free credit card, as the name implies, has no annual fee, i.e., there are no annual charges on these cards. Many people begin their credit journey with a free credit card because it appears to be the most affordable and risk-free option to them. 

Furthermore, a no-annual-fee credit card can help you save money and get more out of your credit card. In terms of the value you derive from welcome bonuses, additional benefits, and special privileges, having zero annual fee credit cards could be a great prospect.