Best of
Best Lifetime-Free Credit Cards in India
Lifetime-free cards charge no joining or annual fee, although transaction charges and interest can still apply. They're ideal for a first card or as a no-cost everyday backup. Here are the most rewarding lifetime-free cards in India.
- 1
Best lifetime free card overall
Amazon Pay ICICI Credit Card
ICICI Bank
4.6Lifetime freeVerifyingWhy we picked it: Lifetime free card; Excellent reward rate on Amazon for Prime members.
- Top reward
- 5%
- Annual fee
- Lifetime free
- Welcome
- —
- 2
#2 for lifetime free
IndusInd Bank Platinum Aura Edge
IndusInd Bank
3.8Lifetime freeVerifyingWhy we picked it: Lifetime-free on the standard variant (no annual fee); Flexible: pick a rewards plan matched to your top spend category.
- Top reward
- 1.6%
- Annual fee
- Lifetime free
- Welcome
- —
- 3
#3 for lifetime free
IDFC FIRST Classic Credit Card
IDFC FIRST Bank
4.0Lifetime freeVerifyingWhy we picked it: Truly lifetime free with no joining or annual fee; Interest rate band starts at 8.5% p.a. and ATM cash withdrawals are interest-free for up to 45 days.
- Top reward
- 1.25%
- Annual fee
- Lifetime free
- Welcome
- ₹500
- 4BOBCARD / Federal Bank / SBM Bank (multi-issuer)OneCard Credit Card
#4 for lifetime free
OneCard Credit Card
BOBCARD / Federal Bank / SBM Bank (multi-issuer)
4.3Lifetime freeVerifyingWhy we picked it: Nil membership fees; card material and issuance terms depend on the partner bank; Low ~1% forex markup, strong for international/online USD spends.
- Top reward
- 1%
- Annual fee
- Lifetime free
- Welcome
- —
- 5Yes BankYes Bank Finbooster Credit Card
#5 for lifetime free
Yes Bank Finbooster Credit Card
Yes Bank
3.7Lifetime freeVerifyingWhy we picked it: No joining or annual membership fee; Credit Strong subscription.
- Top reward
- 1.25%
- Annual fee
- Lifetime free
- Welcome
- —
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At a glance
| Card | Rating | Top reward | Annual fee | Welcome |
|---|---|---|---|---|
| Amazon Pay ICICI Credit Card | 4.6 | 5% | Lifetime free | — |
| IndusInd Bank Platinum Aura Edge | 3.8 | 1.6% | Lifetime free | — |
| IDFC FIRST Classic Credit Card | 4.0 | 1.25% | Lifetime free | ₹500 |
| OneCard Credit Card | 4.3 | 1% | Lifetime free | — |
| Yes Bank Finbooster Credit Card | 3.7 | 1.25% | Lifetime free | — |