In today’s fast-paced world, credit cards have become an essential financial tool for managing expenses, earning rewards, and building a strong credit score. However, annual fees can be a deterrent for many users, especially those who want to enjoy the benefits of a credit card without recurring costs. Lifetime free (LTF) credit cards, which come with no joining or annual fees, are a fantastic solution for cost-conscious individuals who still want to maximize rewards, cashback, and exclusive offers. In this comprehensive guide, we explore the top 7 lifetime free credit cards in India for 2025, highlighting their features, benefits, eligibility criteria, and why they’re worth considering. Whether you’re a frequent shopper, traveler, or someone looking to build credit, there’s a card here for you. Let’s dive in!
What Are Lifetime Free Credit Cards?
Lifetime free credit cards are credit cards that do not charge any joining or annual fees for the entire duration of their usage. Unlike regular credit cards that may waive fees based on spending thresholds, LTF cards are completely free of these charges, making them a cost-effective choice. However, users should still be aware of other potential fees, such as late payment charges, cash withdrawal fees, or foreign transaction fees, which vary by card.
These cards are ideal for:
- Beginners: First-time credit card users who want to build credit without incurring fees.
- Frequent Spenders: Those who use credit cards regularly for shopping, dining, or travel and want to maximize rewards.
- Cost-Conscious Users: Individuals who prefer financial tools with minimal maintenance costs.
Benefits of Lifetime Free Credit Cards
Choosing a lifetime free credit card offers several advantages:
- No Annual Fees: Save money by avoiding recurring charges, regardless of your spending habits.
- Rewards and Cashback: Earn points, cashback, or discounts on everyday purchases, dining, travel, and more.
- Credit Building: Use the card responsibly to improve your credit score without worrying about annual costs.
- Exclusive Offers: Access discounts and deals with partner merchants, such as Amazon, Zomato, or BookMyShow.
- Flexibility: Use the card for emergencies, online shopping, or international transactions without the burden of fees.
Top 7 Lifetime Free Credit Cards in India for 2025
Here’s our curated list of the 7 best lifetime free credit cards in India, based on their rewards, benefits, and user reviews as of 2025. Each card is tailored to different spending habits and lifestyles, ensuring there’s something for everyone.
1. Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card is a top choice for online shoppers, especially those who frequently shop on Amazon. This lifetime free card offers unlimited rewards and seamless integration with Amazon Pay, making it a must-have for e-commerce enthusiasts.
Key Features:
- No Annual or Joining Fees: Completely free for life.
- Rewards:
- 5% cashback on Amazon purchases for Amazon Prime members.
- 3% cashback on Amazon for non-Prime members.
- 2% cashback on payments at 100+ Amazon Pay partner merchants.
- 1% cashback on all other spends.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000 (up to ₹3,000 per year).
- Welcome Benefits: Amazon e-gift voucher worth ₹100 after completing video KYC.
- Security: Chip-enabled card for secure transactions.
Best For: Frequent Amazon shoppers, online spenders, and those seeking high cashback rewards.
Eligibility:
- Age: 21+ years.
- Income: Minimum annual income of ₹2.5 lakh.
- Citizenship: Indian residents and non-residents.
Why Choose This Card?
This card is a powerhouse for Amazon users, offering one of the best reward rates in India for online shopping. Its unlimited cashback and seamless redemption process make it a favorite among e-commerce enthusiasts.
2. IDFC FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card is designed for young spenders who want a versatile, rewards-based card without annual fees. It offers a mix of travel, dining, and shopping benefits, making it ideal for millennials.
Key Features:
- No Annual or Joining Fees: Lifetime free.
- Rewards:
- 10X reward points on spends above ₹20,000 per month and on your birthday.
- 6X reward points on online spends below ₹20,000.
- 3X reward points on offline spends below ₹20,000.
- Reward points never expire.
- Welcome Benefits: 5% cashback (up to ₹1,000) on the first EMI transaction within 90 days.
- Travel Perks: 4 complimentary railway lounge visits per quarter.
- Dining and Entertainment: Up to 20% discount on dining and 25% off on movie tickets via the District app.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000 (up to ₹200/month).
Best For: Young professionals, frequent travelers, and those who enjoy dining and entertainment.
Eligibility:
- Age: 21–60 years.
- Income: Minimum annual income of ₹3 lakh.
- Credit Score: 750+ preferred.
Why Choose This Card?
The IDFC FIRST Millennia Credit Card combines a strong reward structure with travel and lifestyle benefits, making it a great all-around option for young spenders.
3. FinBooster: YES Bank – BankBazaar Co-branded Credit Card
The FinBooster: YES Bank – BankBazaar Co-branded Credit Card is tailored for those looking to build a high credit score while enjoying rewards on everyday spends. It’s a lifetime free card with a focus on financial health.
Key Features:
- No Annual or Joining Fees: Free for life.
- Rewards:
- 5X reward points on online dining spends.
- 3X reward points on online grocery and apparel spends.
- 2 reward points per ₹200 on other retail spends (except fuel).
- Credit Health: Free monthly Credit Advisory Report to track your financial health.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000.
- EMI Facility: Instant EMI for transactions above ₹2,500.
- Discounts: 10% instant discount (up to ₹100/month) on BookMyShow.
Best For: First-time credit card users, credit score builders, and online shoppers.
Eligibility:
- Age: 21+ years.
- Income: Minimum annual income of ₹2.5 lakh.
- Citizenship: Indian residents.
Why Choose This Card?
This card is perfect for beginners who want to establish a strong credit history while enjoying rewards on dining, grocery, and entertainment spends.
4. One Credit Card
The One Credit Card is a sleek, metal credit card that’s lifetime free and tech-powered, offering a premium experience with a user-friendly app for full control.
Key Features:
- No Annual or Joining Fees: Lifetime free.
- Rewards: 5X reward points on the top two spending categories each month.
- App Control: Manage international transactions, EMIs, and offers via the OneCard app.
- Low Forex Fees: 1% markup fee on international transactions.
- EMI Options: Easy EMI conversion for eligible transactions.
- Cash Withdrawal: Available via the OneCash feature (use sparingly due to high interest rates).
Best For: Tech-savvy users, frequent travelers, and those who prefer a premium card experience.
Eligibility:
- Age: 18–60 years.
- Credit Score: 750+ preferred.
- Documents: Aadhaar and PAN card linked to a mobile number.
Why Choose This Card?
The One Credit Card stands out with its metal design, app-based control, and high rewards on dynamic spending categories, making it a stylish and rewarding option.
Also Read: Cheapest Bike Insurance Online: Tips to Save Big in 2025
5. HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card is a versatile lifetime free card that offers rewards redeemable for air miles and hotel loyalty points, making it ideal for frequent travelers.
Key Features:
- No Annual or Joining Fees: Free for life.
- Rewards:
- 5X reward points on spends above ₹4 lakh in an anniversary year (up to 15,000 points).
- 1 reward point per ₹100 spent on regular purchases.
- Welcome Benefits: ₹500 cashback on spending ₹5,000 within 30 days and downloading the HSBC India Mobile App.
- Travel Perks: Convert reward points to air miles with Singapore Airlines KrisFlyer or British Airways Avios.
- Fuel Surcharge Waiver: Up to ₹3,000 annually on transactions between ₹400 and ₹5,000.
Best For: Travelers, shoppers, and those who want flexible reward redemption options.
Eligibility:
- Age: 21+ years.
- Income: Minimum annual income of ₹4 lakh.
- Credit Score: 700+ preferred.
Why Choose This Card?
This card is a rare entry-level option for air miles redemption, offering excellent value for travelers and shoppers who want a no-fee card with premium benefits.
6. EazyDiner IndusInd Bank Platinum Credit Card
The EazyDiner IndusInd Bank Platinum Credit Card is a dining-focused card that offers significant savings for foodies, along with additional lifestyle benefits.
Key Features:
- No Annual or Joining Fees: Lifetime free.
- Dining Benefits: Up to 25% discount on dining at EazyDiner partner restaurants.
- Rewards:
- 3-month EazyDiner Prime membership renewal on spending ₹30,000 every 90 days.
- 2,000 bonus reward points on spending ₹30,000 every 90 days.
- Other Discounts:
- 10% off (up to ₹250) on Blinkit for spends above ₹750 (once/month).
- ₹150 off on Myntra for spends above ₹999.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000 (up to ₹200/month).
Best For: Food enthusiasts, online shoppers, and lifestyle spenders.
Eligibility:
- Age: 21+ years.
- Income: Minimum annual income of ₹3 lakh.
- Credit Score: 700+ preferred.
Why Choose This Card?
This card is a top pick for dining lovers, offering substantial savings at restaurants and additional discounts on shopping platforms like Myntra and Blinkit.
7. Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is an entry-level lifetime free card with valuable discounts on partner merchants, making it ideal for everyday purchases.
Key Features:
- No Annual or Joining Fees: Free for life.
- Rewards:
- 10% instant discount on BookMyShow (up to ₹100/month).
- Discounts on Zomato and Amazon Pay for everyday spends.
- EMI Facility: Convert transactions above ₹2,500 into EMIs.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400 and ₹5,000.
- Edge Reward Points: Earn points on all spends, redeemable for various products.
Best For: Beginners, online shoppers, and those seeking basic credit card benefits.
Eligibility:
- Age: 18–70 years.
- Income: Minimum annual income of ₹2 lakh.
- Citizenship: Indian residents or NRIs.
Why Choose This Card?
The Axis Bank Neo Credit Card is a simple yet effective option for those new to credit cards, offering decent discounts and flexibility for everyday use.
How to Choose the Right Lifetime Free Credit Card
Selecting the best lifetime free credit card depends on your spending habits and lifestyle. Here are some tips to help you decide:
- Analyze Your Spending:
- If you shop frequently on Amazon, choose the Amazon Pay ICICI Bank Credit Card.
- For dining and entertainment, opt for the EazyDiner IndusInd Bank Platinum Credit Card.
- For travel rewards, consider the HSBC Visa Platinum Credit Card.
- Check Reward Structures:
- Look for cards with high reward rates in your preferred spending categories (e.g., online shopping, dining, travel).
- Ensure rewards are easy to redeem, such as cashback or air miles.
- Review Additional Fees:
- Check for foreign transaction fees, cash withdrawal charges, or late payment penalties.
- Opt for cards with low forex fees if you travel internationally.
- Eligibility and Documentation:
- Ensure you meet the age, income, and credit score requirements.
- Some cards, like the One Credit Card, offer paperless onboarding with minimal documentation.
- Lifestyle Fit:
- Choose a card that aligns with your lifestyle, whether it’s travel, dining, shopping, or credit building.
What’s Next?
Ready to enjoy the benefits of a credit card without the burden of annual fees? Apply for one of these top 7 lifetime free credit cards in India today and start saving on every purchase! Whether you’re a frequent traveler, an online shopper, or a dining enthusiast, there’s a card tailored to your needs. Visit the respective bank’s website or app to check eligibility and apply online in minutes. Don’t wait, take control of your finances and unlock exclusive rewards now!
For the latest offers and to apply, check out:
- ICICI Bank for the Amazon Pay ICICI Credit Card.
- IDFC FIRST Bank for the Millennia Credit Card.
- BankBazaar for the FinBooster YES Bank Credit Card.
- OneCard for the One Credit Card.
- HSBC for the Visa Platinum Credit Card.
- IndusInd Bank for the EazyDiner Platinum Credit Card.
- Axis Bank for the Neo Credit Card.
Conclusion – Lifetime Free Credit Cards in India
Lifetime free credit cards are a smart choice for anyone looking to enjoy the perks of credit without the hassle of annual fees. The top 7 lifetime free credit cards in India for opener 2025 offer a range of benefits, from high cashback on Amazon purchases to dining discounts, travel perks, and credit-building tools. By choosing a card that aligns with your spending habits, you can maximize rewards, save money, and build a strong financial profile. Always read the terms and conditions to understand any additional fees and use your card responsibly to maintain a healthy credit score.
Take the first step towards financial freedom today, apply for your lifetime free credit card by visiting CashMints, and start enjoying the benefits!
Frequently Asked Questions (FAQs)
1. What is a lifetime free credit card?
A lifetime free credit card is a credit card that does not charge any joining or annual fees for the entire duration of its usage, making it a cost-effective option for users.
2. Are lifetime free credit cards really free?
Yes, they are free from annual and joining fees. However, other charges like late payment fees, cash withdrawal fees, or foreign transaction fees may apply depending on usage.
3. Can I use a lifetime free credit card internationally?
Yes, most lifetime free credit cards can be used internationally, but check for foreign transaction fees (e.g., One Credit Card has a 1% forex fee).
4. Do lifetime free credit cards help build credit?
Yes, using these cards responsibly (paying bills on time, keeping credit utilization low) can help improve your credit score.
5. Which is the best lifetime free credit card for online shopping?
The Amazon Pay ICICI Bank Credit Card is the best for online shopping, offering up to 5% cashback on Amazon purchases.
6. Can I withdraw cash using a lifetime free credit card?
Yes, but cash withdrawals typically incur high interest rates and fees, so use this feature only in emergencies.
7. What documents are required to apply for these cards?
Common documents include Aadhaar, PAN card, income proof (payslips or ITR), and address proof. Some cards, like those against fixed deposits, require minimal documentation.
8. Are there any hidden fees with lifetime free credit cards?
While there are no annual fees, users may incur charges for late payments, cash withdrawals, or foreign transactions. Always review the terms and conditions.
9. Can I apply for multiple lifetime free credit cards?
Yes, there’s no limit to the number of LTF cards you can own, but ensure you can manage them responsibly to avoid impacting your credit score.
10. How do I apply for a lifetime free credit card?
You can apply online through the bank’s website or mobile app by submitting required documents and meeting eligibility criteria. Approval may take a few days to weeks.
