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Top Lifetime free Cards

Want a card with no annual fees? These lifetime free credit cards offer great benefits at zero yearly cost.

#1
Kiwi RuPay Credit Card
  • UPI-focused credit card with cashback on scan & pay transactions
  • Lifetime free card with rewards in form of “Kiwis” (1 Kiwi = ₹0.25)
  • Base cashback ~1.5% on UPI spends, with potential up to 5% (via Neon membership)
#2
Amazon Pay ICICI Bank Credit Card
  • Lifetime free credit card (no joining or annual fee)
  • Earn up to 5% cashback on Amazon purchases
  • Unlimited cashback with no caps or expiry
#3
Axis Neo Credit Card
  • Entry-level discount-focused credit card with strong food & lifestyle offers
  • Best for Zomato, Blinkit, Paytm, and Myntra users
  • Low annual fee (₹250) with lifetime free offers available
#4
RBL Bank Paisabazaar Duet Credit Card
  • Simple cashback-only credit card (no reward points system)
  • 1% flat cashback on most spends with easy tracking
  • Lifetime free card (₹0 joining + ₹0 annual fee)
#5
IDFC FIRST Wealth Credit Card
  • Lifetime Free premium card (no joining & annual fee)
  • Strong mix of rewards + lounge + travel benefits
  • Best suited for high-income users (₹36L+ income)
#6
BOBCARD PREMIER Credit Card
  • Strong travel + dining focused rewards (5X earning)
  • Airport lounge access (1 per quarter with spend condition)
  • ₹1,000 annual fee waivable on ₹1.2L yearly spend
#7
HSBC Visa Platinum Credit Card
  • Lifetime free credit card (₹0 joining & annual fee)
  • Earn basic reward points + travel conversion options (air miles)
  • Strong fuel benefits + cashback on contactless fuel payments
#8
One Credit Card
  • Lifetime free metal credit card (₹0 joining & annual fee)
  • 5X rewards on top 2 spending categories (dynamic)
  • Fully app-controlled card (OneCard app)
#9
Slice UPI Credit Card
  • UPI-based credit card with up to 3% cashback on scan & pay
  • Lifetime free (₹0 joining & annual fee)
  • Zero forex markup (great for international use)
#10
Uni Gold (Gold-back) Credit Card
  • Earn rewards as 24K gold instead of cashback
  • Up to 5%–8% returns on selected brands + 7% on flights
  • 1% unlimited base rewards on all spends (including UPI)
#11
Scapia Travel Credit Card
  • High travel-focused card with up to 20% rewards on Scapia app bookings
  • Zero joining, annual & forex fees – rare for a travel card
  • Rewards earned as Scapia Coins (5 coins = ₹1) with no redemption cap
#12
HDFC MoneyBack Plus Credit Card
  • Entry-level rewards card ideal for daily & household spending
  • Earn 10X CashPoints (~3.3% value) on popular merchants
  • Low annual fee with easy waiver at ₹50,000 yearly spend