Lifetime Free Credit Card (Zero Annual Fee)

A lifetime free credit card comes with zero joining or annual fee. These free credit cards are best suited for beginners or first-time card users who have just begun their professional journey or have never taken any form of credit in the past.
Lifetime free credit cards are also suitable for those who do not want to pay any fee for the card. While most of the credit cards in this category come with basic features and a low rewards rate, there are a few that offer good value.
Below is the list of the best credit cards with zero annual fee. With each card, we have also mentioned who should get this card to help you decide and choose the best credit card that suits your needs.

Top 7 Free Lifetime Credit Cards in India for November 2024

Amazon Pay ICICI Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 5% cashback on Amazon purchases

1% cashback across all offline spends

Co-branded

Cashback

Online Shopping

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Product Details

• 5% cashback on Amazon spends for Prime members
• 3% cashback on Amazon spends for Non-prime members
• 2% cashback on spends at Amazon Pay partner merchants
• 1% cashback on other spends
• 1% waiver on fuel surcharge across all petrol pumps in India

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IDFC FIRST Millennia Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10X rewards on birthday & on spends made after Rs. 20,000 monthly spends

Up to 3X rewards on monthly spends of up to Rs. 20,000

Reward Points

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Product Details

• 25% off up to Rs. 100 once a month on movie tickets on Paytm app
• 4 complimentary railway lounge visits per quarter
• Up to 20% off at partner restaurants & up to 15% off at select health & wellness outlets
• 1% fuel surcharge waiver up to Rs. 200 per month on fuel spends of Rs. 200 to Rs. 5,000
• Rs. 2 lakh personal accident cover & Rs. 25,000 lost card liability cover

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Federal Bank Scapia Credit Card

3.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 20% Scapia coins on your spends

Zero forex mark-up fee with unlimited access to domestic airport lounges

Travel

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Product Details

• Zero forex mark-up fee
• Unlimited domestic airport lounge access on spending min. Rs. 5,000 every month
• 10% Scapia coins on online & offline purchases, where 5 Scapia coins = Rs. 1
• 20% Scapia coins on travel bookings made on Scapia app
• Lifetime free credit card

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IDFC FIRST Select Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10X reward points on incremental monthly spends above Rs. 20,000

3X reward points on purchases of up to Rs. 20,000 in a month

Shopping

Reward Points

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Product Details

• 1 reward point per Rs. 150 on utility, insurance and other offline spends
• Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card setup
• 5% cashback on first EMI transaction done within 90 days of card setup
• 2 complimentary domestic airport lounge access in a quarter on spending Rs. 20,000 in a month
• Buy 1 Get 1 offer on movie tickets, twice a month on Paytm mobile app

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HSBC Visa Platinum Credit Card

3_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

5X rewards up to 15,000 per year on annual spends above Rs. 4 lakh

Redeem rewards for InterMiles, CV points, and British & Etihad air miles

Shopping

Reward Points

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Product Details

• 2 reward points per Rs. 150 spent
• 5X rewards up to 15,000 per year on spends made over Rs. 4 lakh annual spends
• Rewards redemption for InterMiles, Club Vistara points, and airmiles from British & Etihad Airways
• Fuel surcharge waiver of up to Rs. 3,000 per year on fuel spends of Rs. 400 to Rs. 4,000
• Zero lost card liability cover of up to Rs. 3 lakh

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ICICI Platinum Chip Credit Card

2.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

2 reward points per Rs. 100 spent on retail purchases, except fuel

1 reward point per Rs. 100 spent on utility & insurance

Reward Points

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Product Details

• Mininum 15% off on dining spends at partner restaurants via ICICI Bank\\\'s Culinary Treats program
• 1% fuel surcharge waiver across all HPCL petrol pumps on transaction value of up to Rs. 4,000

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IDFC FIRST OneCard

2.5_/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

5X reward points on top 2 spend categories

Reward Points

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Product Details

• 5 reward points per Rs. 50 spent on the top 2 categories every month
• 1 reward point per Rs. 50 spent on other categories
• Low forex markup fee of 1%

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Best Credit Cards in India 2024 | Check Eligibility for Top Credit Cards

Video: Best Lifetime Free Credit Cards 2024

5 Best Lifetime Free Credit Cards 2024 | No Joining and Annual Fees | Free Lifetime Credit Card

Note: Details mentioned in the video have been sourced from the issuer’s website as of September 2024. For updated information, refer to this page.

Best Lifetime Free Credit Cards With No Annual Fee 2024

1. Amazon Pay ICICI Bank Credit Card

Joining/ Annual Fee: Nil

Amazon Pay ICICI Credit Card is possibly the best credit card in India for the lifetime free category. The card is especially helpful for Amazon Prime users as they get the highest cashback credit card. Cashback is credited in the form of Amazon Pay Balance and can be utilized to make more purchases.

Key Highlights

• 5% cashback on Amazon spends for Prime customers
• 3% cashback for Non-prime customers on Amazon
• 2% cashback on 100+ Amazon Pay partner merchants
• 1% cashback across all other spends
• 15% discount and offers on select partner restaurants in India
• 1% fuel surcharge waiver across all petrol pumps in India

Who should get this card?

Amazon Pay ICICI Lifetime Free Credit Card gives you good value back in the form of cashback. However, only Amazon Prime members can make the most out of this card because the highest cashback is offered only on purchases made by Amazon Prime members.
Apart from this, Non-prime members will get a cashback of 3% on Amazon spends. This credit card is suitable if you frequently shop at Amazon and are looking for a card that offers decent cashback on your purchases. However, if you frequently shop at Flipkart or Myntra, then you can also apply for Flipkart Axis Bank Credit Card.

2. IDFC FIRST Millennia Credit Card

Joining/ Annual Fee: Nil

IDFC FIRST Millennia Credit Card is best suited for people who spend a lot, this credit card from IDFC First Bank offers 6-times more rewards on online shopping up to a certain monthly milestone. The earned reward points never expire so you can accumulate rewards and redeem them for significant benefits.

Key Highlights

• 10X rewards on incremental spends above Rs. 20,000 per month
• 3X rewards on spends up to Rs. 20,000 per month
• Spend Rs. 5,000 within 30 days of card activation to get Rs. 500 welcome benefit
• 5% cashback on transaction value of EMI created within 30 days (Max. cashback Rs. 1,000)
• 25% discount on movie tickets booked via Paytm mobile app (Up to Rs. 100)
• 4 complimentary railway lounge visits per quarter

Who should get this card?

IDFC FIRST Millennia Credit Card is one of the best credit cards with zero annual fee that comes with a good rewards rate. With this card, you can earn up to 10X reward points on select purchases. Also, you can earn better reward points if you frequently shop online.
The overall rewards rate of this credit card is 3%, which is great as compared to other no annual fee credit cards. Also, this credit card works on an incremental model, which basically means, the more you spend the more you earn. In general, you can apply for this credit card if you frequently shop online and are looking for a card that gives good value back in the form of rewards.

3. Federal Bank Scapia Credit Card

Joining/ Annual Fee: Nil

Federal Scapia is a co-branded credit card offering travel benefits. Cardholders can earn Scapia Coins on every spend and redeem them for travel bookings through Scapia app.

Key Highlights

• 20% Scapia Coins on travel bookings, including flights and hotels, made on the Scapia app
• 10% Scapia Coins on online & offline spends
• Zero forex markup fee
• Unlimited domestic airport lounge access on spending at least Rs. 5,000 per month

Who should get this card?

Federal Scapia is a lifetime free credit card that rewards its users for travel spends on the Scapia app. The card offers 2X Scapia Coins, unlimited domestic lounge access, and a zero forex markup fee, making it a suitable option for frequent travellers.
Besides this, cardholders can also redeem accumulated Scapia Coins on travel bookings through the Scapia app. Moreover, there is no capping on the number of Scapia Coins you can earn, allowing high-spenders to get higher returns on their spends. People who frequently travel and prefer to make bookings via the Scapia app can make the most out of this card.

4. IDFC FIRST Select Credit Card

Joining/ Annual Fee: Nil

IDFC First Select is a zero annual fee credit card suitable for people who are looking for a high rewards rate.
The more you spend, the more you earn with this card as it works on an incremental spend reward points model, wherein the earning increases once you reach a particular spending milestone.

Key Highlights

• 10X reward points on incremental purchases greater than Rs. 20,000 per billing cycle
• 3X reward points on purchases up to Rs. 20,000 per month
• Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card set-up
• 5% cashback on your first EMI transaction made within 30 days of card set-up
• Buy 1 get 1 offer on booking movie tickets booked via Paytm mobile app
• 2 complimentary domestic lounge access per quarter on spending Rs. 20,000 in a month
• 4 complimentary railway lounge access per quarter
• Low forex markup fee of 1.99%

Read more about IDFC First Select Credit Card | Check Eligibility for Similar Credit Cards

Who should get this card?

IDFC FIRST Select Credit Card is one of the best no annual fee credit cards that offer decent rewards across all categories. However, you can earn better reward points if you frequently shop online as it offers 6X rewards on online shopping and 3X on offline purchases.
You can apply for this credit card if you don’t put big expenses on your credit card and are more inclined towards rewards instead of cashback. However, if you are looking for a card that offers benefits on a specific category, then this might not be the ideal option for you.

5. HSBC Visa Platinum Credit Card

Joining/ Annual Fee: Nil

This Lifetime free credit card with no annual fee is best suited for people looking for shopping and travel benefits without having to pay any annual fee on the card. You get cashback and movie vouchers on reaching the set spending milestone. Reward earnings are also higher after reaching the Rs. 4 lakh milestone.

Key Highlights

• Amazon Vouchers (worth Rs. 500) and Swiggy Vouchers (worth Rs. 250) under the introductory offer
• 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine vouchers as welcome benefit
• 10% cashback (Up to Rs. 2,000) when you make at least 5 eligible transactions totaling Rs. 10,000 or more in the first 90 days of card activation
• Reach total spending of Rs. 4 lakh in a year and get 5X rewards on all subsequent purchases
• Buy 1 get 1 free offer with BookMyShow for tickets booked on Saturday

Who should get this card?

HSBC Visa Platinum Credit Card is one of the best credit cards with no annual fee that is suitable for you if you want to start your credit journey. This entry-level credit card is loaded with numerous benefits like free vouchers, complimentary memberships, rewards, cashback, discount on movie tickets and much more.
The best part about this card is that it provides a sign-up bonus of over Rs. 2,000 without any joining fee, which is decent as compared to other lifetime free credit cards available in the market. Overall, you can apply for this card if you are looking for an entry-level credit card and don’t want to pay an annual fee.

6. ICICI Platinum Chip Credit Card

Joining/ Annual Fee: Nil

ICICI Platinum Chip Credit Card is suited to the needs of those who are new to credit and want a basic card only for building a good credit score. This is one of the best no annual fee credit cards.

Key Highlights

• 1 reward point per Rs. 100 spent on utilities and insurance
• 2 reward points per Rs. 100 across all other categories except fuel
• Redeem your rewards against vouchers or products from the ICICI Rewards Catalogue
• 1% fuel surcharge waiver at HPCL pumps for transactions up to Rs. 4,000
• Up to 15% off on dining at 2,500 partner restaurants

Who should get this card?

This ICICI lifetime free credit card is a basic credit card that offers reward points on every transaction. However, it is more suitable for retail purchases as it offers better rewards on the said category.
Apart from rewards, this credit card also offers some basic benefits, such as dining discount, fuel surcharge waiver, vouchers and more.

This credit card does not have much to offer apart from rewards. There are other rewards credit cards available in the market that come with a better rewards rate. You can apply for this credit card with zero annual fee if you want to start your credit journey and are looking for a basic credit.

7. IDFC FIRST OneCard

Joining/ Annual Fee: Nil

IDFC FIRST OneCard is an entry-level credit card designed for new-to-credit individuals. Users looking for a lifetime free credit card with basic benefits can apply for this credit card.

Key Highlights

• 5X reward points on the top two categories where you spend the most
• 1 reward point per Rs. 50 spent across other categories
• Bonus points are rewarded when a user spends in more than 2 categories
• 1% low forex markup fee

Who should get this card?

IDFC FIRST OneCard is designed for new-to-credit individuals wanting to earn basic benefits on their spends. The card allows you to earn accelerated reward points on top two categories where you spend the most, along with 1 reward point per Rs. 50 on other categories.
Besides this, the card also comes with a low forex markup fee of 1%, making it a reasonable choice for international transactions. Users who want to start their credit journey and are looking for an option to earn value back through reward points can consider this card.