A lifetime free credit card does not charge an annual fee. They may charge a fee for extra services such as a hard copy of the itemized bill, or they may have some conditions for receiving the card. But there is no annual or joining fee.
Here are some of the most important lifetime-free credit cards available in India for you to choose from.
Discover the best lifetime credit cards in India. Choose a card based on your needs to earn reward points, cashback, a sign-up bonus, and other benefits.
Credit Card |
Advantages |
RBL Bank BankBazaar SaveMax Credit Card |
Credit Advisory Report, reward points |
IndusInd Bank Platinum Card |
Travel, Golf, Entertainment, Fuel |
Axis Insta Easy Credit Card |
Shopping, dining |
FinBooster: YES BANK - BankBazaar Co-branded Credit Card |
Tracking credit score, building credit report and Rewards |
YES Prosperity Reward Plus Card |
Online shopping, international usage |
HSBC Visa Platinum Card |
Dining, Shopping, Fuel |
YES First Preferred |
Travel, Entertainment, Shopping, Dining |
Axis MY Zone Easy Credit Card |
Travel, Entertainment, Dining, Rewards |
YES Premia Credit Card |
Travel, Entertainment, Shopping, Dining |
YES Prosperity Edge |
Online and International spends |
Kotak Fortune Gold Credit Card |
High cash limit, Fuel, Movie tickets |
While many luxury credit cards have an annual fee, there are a variety of cards that offer a wide range of benefits without charging a fee.
You can choose a no-annual-fee credit card if you are a responsible spender and want a credit card with basic but comprehensive benefits. It will reduce your annual card maintenance cards while still providing regular credit card benefits.
The best lifetime free credit cards offered by top banks in India are listed below.
Credit Card |
Annual fees |
Advantages |
HSBC Visa Platinum Card |
NIL |
Dining, shopping, fuel |
FinBooster: YES BANK - BankBazaar Co-branded Credit Card |
NIL |
Tracking credit score, building credit report & rewards |
RBL Bank BankBazaar SaveMax Credit Card |
NIL |
Credit Advisory Report, reward points |
IndusInd Bank Platinum Card |
NIL (a joining fee may be applicable, however) |
Travel, golf, entertainment, fuel |
SBI Card Unnati |
NIL (For 1st four years) |
Basic |
Kotak Fortune Gold Credit Card |
NIL |
High cash limit, fuel, movie tickets |
Bank of Baroda Prime Credit Card |
NIL |
Cash back on daily spending |
RBL Insignia Preferred Banking World Credit Card |
NIL |
Rewards on shopping and dining |
IDFC First Select Credit Card |
NIL |
Online shopping and credit card offers |
Key Highlights: The FinBooster: YES Bank - BankBazaar Co-branded Credit Card assists you in establishing a high credit score and good credit behaviour. You receive regular credit fitness reports, which provide you with information about your financial health.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
You will receive monthly credit fitness reports as well as a real-time dashboard to track your credit score with the FinBooster: YES Bank - BankBazaar Co-branded Credit Card. When you complete your first transaction with the FinBooster: YES Bank - BankBazaar Co-branded Credit Card, you will be granted this access.
You have access to information that can help you improve your credit score.
There is no reward point cap, and points never expire.
Accidental death insurance provides coverage of up to Rs.2.5 lakh.
Options for reclaiming rewards:
Online dining purchases earn you 5x reward points
Earn 3x reward points on online grocery and online apparel spending
You get 2 reward points for every Rs.200 swiped for another retail spending, except for fuel expenses
You can share the reward points you earn with your friends and family
The reward points you convert into cash will be deposited directly into your savings account
Suitable for: Those who want to improve their credit and gain access to the Credit Fitness Tracker.
The RBL Bank BankBazaar SaveMax Credit Card is a free credit card for life that offers a variety of appealing rewards and cashback. The card also includes a free monthly credit advisory on BankBazaar, which will assist you in tracking your spending and monitoring your credit score. The credit card also allows for balance transfers, EMI conversion, and pre-approval loans.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
Convert all expenditures over Rs.2,500 into simple EMIs.
Xpress Cash allows you to deposit funds into your account immediately.
10% cashback (up to Rs.100 every month on each merchant) on BookMyShow and Zomato transactions.
EMI Infinity Pass offers up to 100% off the Split n Pay Fee.
Manage your credit card, pay utility bills, get merchant offers and instant loans through the RBL Bank MyCard App.
In retail outlets, contactless payments of up to Rs.5,000 can be made quickly and securely.
Options for reclaiming rewards:
Earn 5x reward points on grocery purchases (maximum 1000 reward points per month)
For every Rs.100 spent on other categories, you will receive 1 reward point.
Key Highlights: The HSBC Visa Platinum Credit Card provides benefits in a variety of lifestyle categories such as dining, shopping, and so on.
NIL Joining Fee
Fee for Renewal: NIL
Introductory offers
Get an Rs.5000 Amazon voucher
Get up to 3 complimentary airport lounge access both at domestic as well as the international airport
Get a 50% discount (up to Rs.100) on your first Google Pay transaction.
Get a 10% cashback up to Rs.2,000 when you complete 5 transactions worth Rs.10,000 within the first 60 days of receiving your card.
Advantages and features:
Earn 2 reward points for every Rs.150 spent on the card.
5X reward points after exceeding the spending limit of Rs.4 lakh to a maximum Rs.10 lakh in a year.
For transactions between Rs.400 and Rs.4000, the fuel surcharge is waived (up to Rs.250 per month).
Movie ticket voucher worth Rs.500 on monthly spends of over Rs.50,000.
Up to 15% off dining bills at over 1,000 major city restaurants.
Options for redeeming reward points: Reward points can be redeemed for a variety of products listed in the rewards catalogue.
Suitable for: People who use their credit cards on a regular basis for dining, shopping, and other day-to-day expenses.
Key Highlights: One of the best lifetime free credit card 2022 is IndusInd Bank Platinum Card provides benefits across various categories including travel, lifestyle, entertainment, etc. Pay the joining fee and enjoy the benefits offered by the card lifetime for free.
NIL Joining Fee (Only when you applied through BankBazaar.com). For others, it is Rs.3,000.
Fee for Renewal: NIL
Joining Bonus: Gift voucher from global brands including EazyDiner, MakeMyTrip, Vouchagram, ALDO, Urban Ladder, Jet Airways, Satya Paul and several others.
Advantages and features:
Golf lessons are provided at no cost by qualified instructors at select golf clubs in India.
Pre-trip assistance, exclusive booking, hotel reservations, and other concierge services are among the travel benefits.
Complimentary priority pass membership with access to over 700 airport lounges worldwide
Get insurance to protect yourself from unauthorized transactions and counterfeit fraud
Redeem your reward points for hotel stay vouchers, cash credit, air miles, and products from Indus Moments
Individuals looking for premium lifestyle benefits in a single card with less maintenance
Key Highlights : The SBI Card Unnati, which is issued against a minimum fixed deposit of Rs.25,000, is ideal for people with no credit history.
NIL Joining Fee
There is no renewal fee. During the first four years
Advantages and features:
For every Rs.100 spent, you will receive one reward point.
Spend Rs.50,000 per year and receive an Rs.500 cashback.
Waiver of 1% fuel surcharge applicable to transactions between Rs.500 and Rs.3,000
Option for reward redemption: Redeem reward points for a wide range of gifts from the rewards catalogue.
Suitable for: First-time credit card applicants with no credit history.
The Kotak Fortune Gold Credit Card, which is only available to businessmen, provides basic credit card benefits such as fuel discounts and ticket booking.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
Spend Rs. 1,50,000 in a year and get 4 free PVR tickets OR Rs. 750 cash back
Increased cash limit of up to 50% of the credit limit
There will be no 1% fuel surcharge and a 1.8% railway ticket booking surcharge
For a lost credit card, a credit shield cover worth Rs.50,000 is provided
Suitable for: People looking for a basic credit card will find this card useful.
Key highlights: This Bank of Baroda Prime Credit Card is ideal for those looking for cashback on everyday purchases.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
This card is issued in exchange for a fixed deposit of Rs.15,000 or more
Allows you to redeem rewards in exchange for cash credit
Allows you to convert transactions worth more than Rs.2,500 into simple EMIs
Every month, a fuel surcharge of up to Rs.250 is waived
Suitable for: People looking for cashback returns.
This RBL Insignia Preferred Banking World Credit Card is ideal for people who want to save money on shopping, dining, and entertainment.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
10x reward points for international purchases and 5x reward points for domestic purchases
Priority pass membership grants access to over 1,000 international airport lounges
Every month, get a Rs.500 discount on BookMyShow
Dining discounts at selected partner restaurants
Access to complimentary golf rounds with a 50% discount on green fees
Shopping, dining, entertainment, and golfing experiences are all possible
IDFC First Select Credit Card offers a high reward with no annual fee.
NIL Joining Fee
Fee for Renewal: NIL
Advantages and features:
Get 10x reward points on purchases exceeding Rs.20,000 per billing cycle
10x reward points on birthday purchases
Get 6x reward points on online purchases
Get 3x reward points on offline purchases
Get an Rs.500 gift voucher after spending Rs.15,000 in the first 90 days
Get up to four domestic airport lounge visits per quarter
Get up to four railway lounge visits per quarter
1.99% foreign exchange commission
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 they appear to be the most affordable and risk-free 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.
Thus, these cards not only help you save money by avoiding the annual fee, but they also help you save a lot on your spending because almost every credit card comes with some sort of rewards/cashback programme that allows you to save every time you make a transaction.
If you use a lifetime free credit card, there are no hidden fees. The bank is upfront about the fees associated with the card. You only pay for what you use.
A lifetime free credit card functions in the same way as any other credit card. If you fail to pay your bill on time, the bank will assess a late fee. If you continue to fail to pay your credit card bill on time, the bank will deactivate your card, lowering your credit score.
There is no application or annual fee for the FinBooster: YES BANK - BankBazaar Co-branded Credit Card.
You can find lifetime free credit cards offered by banks in India by conducting a simple Google search. You can also contact the bank with which you have an account and inquire about lifetime free credit cards. If you have a good relationship with your bank, they will most likely offer you a free credit card for life.
Yes, you can use your credit card abroad, but the fees will vary depending on the bank. As a result, check with your lender about the fees that may apply if you use your card abroad.
Yes, you can withdraw money from ATMs in India using your lifetime credit card.
You will receive 1,250 reward points as a welcome gift if you spend Rs.5,000 within the first 30 days of receiving the card.
Some of the best lifetime free credit cards 2022 are - IndusInd Bank Platinum Card, Kotak Fortune Gold Credit Card, HSBC Visa Platinum Card etc. Read the article to see more.
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