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Top 10-lifetime free credit cards without an annual fee

Top 10 Lifetime Free Credit Cards Without Annual Fee

A lifetime free credit cards comes with zero annual and joining fees. These free credit cards are best for first-time card users or beginners who have recently started their professional journey or have never taken any type of credit in the past. 

A zero annual fee credit card is also suitable for those who don’t want to pay any fee for the card. However, most of the credit cards in this classification offer only basic benefits and generally a low reward rate; there are some that provide good value.

Here are some of the best credit cards with zero annual fee. We will also mention each card’s benefits, which will help you choose the best card for your needs and requirements.

Benefits and Features Of No Annual Fee Credit Cards:

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Benefits and Features Credit Cards

The following is the list of benefits and features of a Lifetime free card without an annual fee:

  • Users don’t need to pay any annual fee to benefit from any of these lifetime free card features.
  • Free credit cards ensure cost savings in fuel transactions by providing a 1.00% fuel surcharge waiver.
  • It offers a range of benefits, such as discounts on shopping, airport lounge access, movie tickets, dining, food delivery, etc.
  • These free credit cards also offer welcome benefits such as OTT subscriptions, bonus reward points, vouchers, and more.
  • The income requirement for these free credit cards is pretty low. 
  • The eligibility criteria for these cards are straightforward, thereby ensuring fast approval of an application.

List of Best Lifetime Free Credit Cards:

We have curated a list of the best lifetime free credit cards and also underlined the other benefits that come with them. These credit cards don’t cause any problems and ease the hassle associated with annual fees and joining fees. Additionally, they provide you with some amazing rewards if you buy items through them. Without wasting any more time, let’s dive into the list of the best 10 lifetime free cards.

  1. HSBC VISA Platinum Credit Card

The HSBC Visa Platinum credit card has zero annual fees and also works well for cashback. For the first 60 days on all spends, you get 10% cashback. Apart from this, you get 5x reward points for expenditures between Rs 4 lakhs and 10 lakhs. Also, you get 3x reward points for spending on telecom, dining, and hotels for a year. Additionally, you get a 20% discount on selected restaurants and lounges in India as well as a BookMyShow voucher of Rs 500. 

This HSBC Platinum card has multiple benefits and rewards that might put any free credit card to shame. Check out the benefits and welcome offers that come with this card.

Welcome Offer:

  • 10% cashback up to Rs 2,000.
  • Rs 500 Amazon Voucher.
  • 50% discount, which is up to Rs 100, on Google Pay’s first transaction.
  • 3 meal vouchers/3 complimentary lounge access.


  • Buy 1 Get 1 offer on BookMyShow movie tickets.
  • Earn 5x reward points on receiving an annual spending target of Rs 4,00,000 or above than that.
  • On a minimum transaction of Rs 3000, a 10% discount on electronics. 
  • Get an Amazon voucher worth Rs 500, 3 complimentary international and domestic lounge access visits, and up to 10% cashback on your spending as a bonus sign-up.
  • On a minimum transaction of Rs 1000, a 10% discount on Tata CLiQ
  • On the Tata CliQ luxury website, a 10% discount on a minimum transaction of Rs 5000.
  1. ICICI Instant Platinum Credit Card

ICICI Platinum Credit Card is an entry-level free credit card available in Mastercard and Visa variants. It utilizes a Payback loyalty program to offer reward points. Apart from being a free credit card, the ICICI Platinum Credit Card provides the following benefits.

Welcome Offer:

  • On booking up to 2 movie tickets, you get a Rs 100 discount each month through


  • On every spend of Rs 100 on insurance transactions and utilities, 1 Payback Point is received. 
  • You receive 2 Payback Points for every Rs 100 spent on a retail transaction other than fuel.
  • With the ICICI Culinary Treats Program, you get up to 15% off on all dining transactions. 
  • The ICICI Platinum Credit Card Chip comes in two variants: Mastercard and VISA. 
  • On all Indian Petrol Pumps, a 1% fuel surcharge is available.
  1. IDFC First Select Credit Card

IDFC’s first select credit card is a semi-premium card worth exploring for its decent rewards and airport lounge benefits. In addition to the standard advantages, you will also enjoy the targeted promos that come with it, especially around festivals. This IDFC-free card has its own benefits apart from being a credit card. 

Welcome Offer:

  • A welcome voucher of 500 INR on spending >=15,000 INR within 90 days of generating the card. 


  • After spending ₹15000 from the card within 90 days, get a Gift Voucher of ₹500 as a welcome bonus.
  • You will get a 5% cashback on the first EMI Transaction made within 3 months from the date of card allotment.
  • Get a Buy One Get One Free Offer on movie tickers with a maximum limit of ₹250 twice a month.
  • Enjoy up to 15% off at 3000+ health outlets and Enjoy up to 20% off at 1500+ Restaurants.
  • Enjoy up to 4 complimentary accesses to the Railway and Airport Lounge every quarter. 
  • At the refiling stations, earn a fuel surcharge waiver every month up to ₹300.
  • Get a free roadside assistance of Rs 1399.
  • Receive a complimentary lost card liability cover of Rs 50000 and also a personal accident cover of up to Rs 5 lakhs.
  • Get a 50+ in-app discount offers.
  • Have complete travel insurance coverage of Rs 22500.
  1. IDFC First Wealth Credit Card

IDFC is a premium credit card that is totally worth exploring for its airport spa/lounge/golf benefits. In addition to the above, you can also get a relatively low-interest rate if you carry forward your balances. Being one of the best lifetime-free credit cards, IDFC’s wealth card provides an interest rate of 0.75-3.5% a month. It also offers an air accident cover of Rs 1 crore, lost card liability cover of Rs 50,000, and personal accident cover of Rs 10 Lakh. This is on top of numerous rewards, and of course, it’s free for life.

Welcome Offer:

  • A welcome voucher of Rs 500 on spending >= Rs 15,000 within 90 days of generating the card.


  • On all transactions, spend Rs 20000 and above and also earn 10x reward points.
  • Every online transaction will receive 6x reward points.
  • On every offline transaction, you will receive 3x reward points.
  • Earn 10x reward points and spend on your birthday. 
  • If you convert a transaction into an EMI within 90 days of the card issuing, you will receive a 5% cashback on the first conversion. 
  • As a welcome bonus, you will acquire a Rs 500 gift voucher if you spend Rs 15000 within 90 days from the card allotment date. 
  • Enjoy the Buy One Get One Free offer twice a month on movie tickets up to Rs 500 per ticket.
  • Get 4 complimentary visits to Airport Lounges quarterly. 
  • Enjoy Complimentary Golf rounds on this free credit card.
  • Get 4 complimentary stays at the railway lounge quarterly. 
  • Get to enjoy complimentary spa visits per quarter. 
  • At the refilling stations, get a fuel surcharge waiver of up to Rs 400 per statement cycle.
  1. ICICI Amazon Pay Credit Card

Issued by ICICI Bank partnering with Visa and Amazon, The ICICI Amazon Pay Credit Card permits customers online shopping on and receive active rewards. Also, you get paid back for every transaction. It is one of the best free credit cards because it has no joining fees or annual fees applicable. This card is especially for those who love to shop. This ICICI Amazon Pay has many benefits if you love to shop on Amazon. Additionally, it has many rewards and benefits as well. 

Welcome Offer: 

  • Enjoy an instant welcome bonus of Amazon Pay Balance of Rs 300-Rs 600.


  • At partner merchants, get 2% cashback on every transaction using Amazon Pay.
  • Non-prime users get 3% cash back on purchases through Amazon.
  • Prime users get 5% cashback on their purchases through Amazon.
  • Enjoy 1% cashback on every other transaction made using this credit card.
  • On every petrol pump across India, get a 1% fuel surcharge waiver.
  • With the ICICI culinary treats program, get up to 15% off on dining.
  1. AU Small Finance Bank LIT Credit Card

India’s First customizable credit card is the AU Small Finance LIT Credit Card, which allows you to customize your credit card features. With this card, you can select from 5 types of features you want to use for a period of 90 days. The types include the Milestone cashback category, travel benefit, shoppers category, OTT membership, and other categories. This card offers numerous options to users so that they can actually end up using this card and enjoy its benefits. Let us now look at the benefits and rewards of this card. 

Welcome Offer: 

  • This free credit card can be issued without paying a fee.


  • Earn 5x or 10x accelerated reward points.
  • Free memberships of, Zee5, and Amazon Prime for 3 months.
  • You can get an additional 5% cashback for grocery, travel, and dining expenses.
  • Over a period of 90 days, you can receive 5% cashback for 3 times.
  • Up to 4 complimentary lounge access quarterly.
  1. Bank Of Baroda Easy Credit Card

One of the basic credit cards presented by Bank of Baroda is their Easy Credit Card. This card is suitable for those with minimal income as it offers cashback offers and accelerated rewards on regular spending categories. Being one of the best free credit cards, this is a reward point-based card offering a bunch of reward points on departmental stores, groceries, movies, and many more. Let us now look at some of the benefits of this card:

Welcome Offer: 

  • There is no particular welcome offer other than the fact that this free credit card can be allotted without paying any fee.


  • Availability of 1 reward point on other categories.
  • 5x reward points on chosen merchant categories like movies, groceries, departmental stores, etc. 
  • Accidental Death Cover.
  • Get a 1% fuel surcharge waiver. 
  1. Axis Bank Insta Easy Credit Card

The Axis Bank Insta Credit Card comes next on the List of Free Credit cards. It requires the least documentation and is guaranteed to be approved. It is a pin-enabled chip card allotted against your FD (Fixed Deposit) with Axis Bank. You can easily get this lifetime free card without proof of income. This lifetime free credit card has numerous other benefits, including:

Welcome Offer: 

  • No welcome offer other than the fact that this free credit card can be issued without spending any fee.


  • You can easily withdraw up to 100% of your credit limit. 
  • Of your FD’s value, get a card with a credit limit of up to 80%.
  • If the credit card has no outstanding balance, a free credit period of up to 50 days is granted.
  • At India’s partner restaurants, a minimum of 15% off on dining bills through “Dining Delights.” 
  • For transactions between Rs 400 and 4,000, a fuel surcharge waiver of 1% on all fuel transaction is given.
  • Credit card application approval is guaranteed. 
  • Global emergency assistance is given.
  • The platinum chip-enabled credit card provides clear authentication of payments and detects fraud easily.
  • Convert any transaction of ₹2,500 and more in EMIs.
  1. Kotak 811 #DreamDifferent Credit Card

With Kotak 811 #DreamDifferent Credit Card, you can avail of its interest-free cash withdrawal benefits. Additionally, you can enjoy a credit limit of up to 90% of your term deposit amount, rewards on every purchase, and, obviously, one of the best free credit cards for a lifetime. This card offers a fixed deposit for as low as ₹15,000. This lifetime free credit card is especially for those who don’t have any other income or have a zero credit history. Let us now check out all the rewards and benefits offered by this credit card. 

Welcome Offer: 

  • On card activation, get 500 bonus reward points.


  • Zero annual fees.
  • No joining fees.
  • 1 reward point is equal to 0.25ps.
  • Against every ₹100 of online spends, get 2 reward points.
  1. Shoppers Stop HDFC Bank Credit Card

One of the best lifetime-free credit cards is the HDFC Shoppers Stop Credit Card, offering attractive rewards on your every spending. These credit cards fall into the shopping credit card league and provide reward benefits for spending. The cards also provide benefits for insurance coverage, card activation, lounge access, and milestone benefits, among others. 

Welcome Offer: 

  • Get Rs500 Shoppers Stop Vouchers, which are redeemable when shopping for a minimum of Rs3,000 at Shoppers Stop Stores.


  • HDFC Shoppers Stop Credit Card is one of the best lifetime-free credit cards.
  • Earn 6 First Citizen points for every ₹150 spent on the Shoppers Stop private label brands, with a limit of 500 Points per month.
  • Earn 6 First Citizen Points for every ₹150 spent on the Shoppers Stop private label brands, with a limit of 500 points per month, except for wallet and fuel.
  • Across all fuel stations within India, 1% of fuel surcharge waiver is given upto ₹250 per statement cycle.
  • Get a complimentary Shoppers Stop membership.
  • Shoppers Stop Vouchers worth ₹500 are redeemable on minimum shopping of Rs 3,000 at every Shoppers Stop store.
  • On spending Rs 2 lakhs annually, earn 2000 First Citizen Points.
  • The renewal fee is Zero
  • The annual fee is Zero


If you are also looking for some of the best lifetime-free credit cards, then we are sure that this blog has helped you a lot. We have listed the top 10 credit cards without zero annual fees. We have also mentioned their welcome offer and their benefits to help you choose the ideal credit card.

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Frequently Asked Questions: 

  1. Can you get a credit card for free?

Yes, a credit card can be free with zero annual fee. Many companies offer lifetime free credit cards. 

  1. How can I get a credit card when I have no money?

Apply for a credit card against FD (Fixed Deposit). Many banks offer this facility in India. 

  1. Do free credit cards exist?

Yes, there are many free credit cards with no annual fee, including Shoppers Stop HDFC, Axis Bank Insta Easy, and many more. 

  1. What is the easiest credit card to get approved for?

The easiest credit card to get approved for is different for everybody since it will totally depend on your credit score and other notable factors.

David Gillmore

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