Top 10 Best Lifetime Free Credit Card in India
If you’re searching for Top 10 Lifetime Free Credit Card in India, then, you’re in the right place. With no annual fees and attractive benefits, Best Lifetime Free Credit Cards in 2024 offer great value from cashback and reward points to fuel discounts and shopping benefits.
This guide will help you choose the best lifetime free credit card in India tailored to your spending needs, making it easier to enjoy perks without any additional costs.
What are Lifetime Free Credit Cards?
Lifetime free credit cards are financial tools that waive the annual fee, making them an attractive option for responsible users. Unlike premium cards with high fees, these cards provide various features at no extra cost, making them ideal for those who aim to maximize benefits and keep expenses low.
Benefits of Lifetime Free Credit Cards
No Annual Fees: Users benefit from a 0% joining and renewal fee, ensuring the card remains free for life.
Cost Savings: Many of these cards waive fuel transaction charges, offering substantial savings on daily expenses.
Extensive Privileges: Cardholders enjoy various perks, including discounts on shopping, dining, and travel along with offers for more movie tickets and food delivery.
Welcome Benefits: After signing up, users often receive appealing bonuses like reward points, vouchers, or subscriptions to popular OTT platforms.
Low Income Requirements: These cards generally have minimal income thresholds, making them accessible to a wider audience.
Simple Qualification: The application and approval process is typically straightforward and fast.
Now let’s look at some of the best lifetime free credit cards available in 2024 and their features & Benefits.
List of 10 Best Lifetime Free Credit Cards in India
- RBL Bank BankBazaar SaveMax Credit Card
- HSBC VISA Platinum Credit Card
- Amazon Pay ICICI Credit Card
- ICICI Bank Platinum Chip Credit Card
- IDFC First Select Credit Card
- IDFC First Millenium Credit Card
- Kotak 811 #dreamDifferent Credit Card
- IndusInd Platinum Credit Card
- Federal Bank Scapia Credit Card
- AU LIT Credit Card
Best Lifetime Free Credit Cards in India
1. RBL Bank BankBazaar SaveMax Credit Card
The RBL Bank BankBazaar SaveMax Credit Card is a lifetime free credit card packed with appealing rewards and cashback offers. It includes a complimentary monthly credit advisory service on BankBazaar, helping you track expenses and monitor your credit score. Additionally, the card offers EMI conversion and a pre-approved loan facility.
Key Features & Benefits
- Xpress Cash provides instant funds directly into your account.
- The card offers 10% cashback on BookMyShow and Zomato transactions separately, with a maximum of Rs.100 cashback per retailer each month.
- The EMI Infinity Pass offers up to a 100% reduction on the Split n Pay Fee.
- With the RBL Bank MyCard App, you can manage your credit card, pay utility bills, access merchant offers, and apply for quick loans.
2. HSBC VISA Platinum Credit Card
The HSBC VISA Platinum Credit Card offers zero joining and annual fees, providing unmatched rewards, instant recognition, and exclusive privileges.
Key Features & Benefits
- Download and log in to the HSBC India Mobile App within 30 days of receiving your card, and spend a minimum of Rs.5,000 to earn Rs.500 cashback.
- Enjoy an annual fee surcharge waiver of up to Rs.3,000.
- Earn 2 reward points for every Rs.150 spent.
- Redeem your reward points for air miles with Club Vistara, Air India’s Flying Returns, Etihad Airways, British Airways, and Singapore Airlines.
3. Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is India’s first credit card that enables customers to shop on Amazon.in while earning rewards. This co-branded card powered by Visa, comes with a range of features and benefits.
Key Features & Benefits
- The rewards are unlimited and have no expiration date.
- Use your credits to shop from a selection of over 100 million products on Amazon.in, as well as at more than 100 Amazon Pay partner merchants.
- Amazon.in provides no-cost EMI for three or six months.
- There is no limit or expiration on the rewards earned with this card. Amazon Prime members will receive a 5% reward when shopping on Amazon India, while non-Prime members will earn a 3% reward.
4. ICICI Bank Platinum Chip Credit Card
The ICICI Bank Platinum Chip Credit Card is a lifetime free credit card, making it an excellent choice for individuals new to credit and looking to improve their credit score. It comes with several benefits, including reward points, dining discounts, fuel surcharge waivers, and more.
Key Features & Benefits
- Earn 2 reward points for every Rs.100 spent at retail stores, including petrol.
- Earn 1 reward point for every Rs.100 spent on insurance and utility bills.
- Enjoy a 1% waiver on fuel surcharge (up to Rs.4,000) at HPCL pumps across India.
- With advanced technology, it ensures rapid and secure transactions.
- Provides exclusive offers at luxury hotels, restaurants, lifestyle stores, and spas for Visa cardholders.
5. IDFC First Select Credit Card
The IDFC First Select Credit Card offers excellent benefits and privileges with no joining fee. Designed to suit your lifestyle and spending habits, this credit card allows you to earn reward points that never expire. The interest rate for this card ranges from 0.75% to 2.99% per month.
Key Features & Benefits
- Enjoy complimentary access to domestic airport lounges.
- Benefit from a low forex markup and assured trip cancellation protection.
- The Paytm mobile app provides buy-one-get-one-free movie tickets, worth up to Rs.125.
- Earn up to 10X rewards on qualifying incremental monthly spends and birthday purchases.
- Receive up to 3X reward points for every UPI transaction and get 100% cashback on the first four UPI transactions, up to Rs.200.
6. IDFC First Millennium Credit Card
The IDFC First MIllenia Credit Card has been launched to provide more rewards on your expenses. The rewards earned on this IDFC First Bank credit card will not expire.
Enjoy a range of top benefits with this new credit card from IDFC Bank, with no joining fee required. The interest on the IDFC First MIllenia Credit Card varies between 0.75% to 2.99% per month.
Key Features & Benefits
- The card offers 10X reward points for spending over Rs.20,000 on the cardholder’s birthday.
- It offers 3X reward points for both offline and online purchases up to Rs.20,000.
- The card comes with lifetime validity and unlimited reward points.
- Reward points can earned on both online and in-store purchases.
- You can 1X reward points on Utility bills payments and insurance premiums.
7. Kotak 811 #dreamDifferent Credit Card
The Kotak 811 #dreamDifferent Credit Card is a secured credit card that is linked to a fixed deposit. It offers benefits such as fuel or railway surcharge waivers, along with exclusive rewards for reaching spending milestones.
Cardholders can qualify for the milestone program by spending Rs.75,000 or more earning bonus rewards like cashback or PVR tickets.
Key Features & Benefits
- Enjoy a 1% fuel surcharge waiver on all gas pumps for transactions between Rs.500 and Rs.3,000 (up to Rs.3,500 annually).
- Benefit from a 1.8% railway surcharge waiver (up to Rs.500) when booking through the IRCTC website, and a 2.5% waiver when booking at the railway counter.
- Earn 4 reward points for every Rs.100 spent online.
- You can withdraw up to 90% of your total credit limit in cash.
- A processing fee of Rs.100 applies for ATM withdrawals and fund transfers.
8. IndusInd Platinum Credit Card
IndusInd Bank’s Platinum Credit Card is designed for travelers, offering a range of benefits for both travel and lifestyle. With a comprehensive rewards program and numerous exciting features, this card caters to a variety of lifestyle needs.
Key Features & Benefits
- Upon payment of the registration fee, you will receive Luxe gift cards and vouchers from top brands.
- Enjoy a 1% waiver on fuel fees, ranging from Rs.400 to Rs.4000, at all gas stations across India.
- Benefit from flight accident insurance coverage up to Rs.25 lakh and lost baggage insurance coverage up to Rs.1 lakh.
- Earn 1.5 reward points for every Rs.150 spent.
- The card offers 2 reward points for every Rs.100 spent on UPI transactions.
9. Federal Bank Scapia Credit Card
Scapia, a co-branded credit card with Federal Bank, offers lifetime free usage with no forex markup fees, ideal for frequent travelers. Users earn Scapia Coins on every swipe and additional rewards for travel bookings through the Scapia App.
These coins can be redeemed for flights or stays at over 50,000 global hotels. Apply for the card via the Scapia App.
Key Features & Benefits
- Earn 20% Scapia coins on travel bookings, including flights and hotels, made through the Scapia App.
- Get 10% Scapia coins on both online and offline purchases.
- Enjoy zero forex markup fees.
- Unlock unlimited access to domestic airport lounge access when you spend a minimum of Rs.5,000 per month.
10. AU LIT Credit Card
AU LIT (Live It Today) is India’s first customizable credit card offering lifetime free usage and enhanced rewards on both online and offline spending. It also provides bonus cashback, lounge access, and more. Cardholders can choose features based on their spending habits and only pay for what they use.
Key Features & Benefits
- Earn 5X or 10X reward points on all domestic and international online retail purchases.
- Earn 5X or 10X reward points on all POS and contactless offline transactions both local and international.
- You can earn up to 25,000 reward points per statement cycle.
- Transactions related to rent, BBPS, Quasi Cash, Cash Withdrawals, and Education & Government Services will not qualify for base or accelerated rewards.
Conclusion
Choosing the right lifetime free credit card requires considering benefits, rewards, and your spending habits. Review terms carefully to avoid hidden fees and potential debt. The right card can help you maximize rewards and manage finances without annual fees. In 2024, options like cashback, travel rewards, and shopping perks are available to suit your goals.