Top 7 Truly Lifetime Free Credit Cards in India (2025) – No Joining or Annual Fees

In today's financial landscape , a life time free credit card is a valuable tool for enjoying exclusive perks without any joining or annual fee. Several banks offers genuinely life time free credit cards with rewards , cashback and premium benefits and if you're looking for a life time free credit card in India then you're is at the right place.

What is a lifetime free credit card?

A lifetime free credit card has many useful and attractive features like no joining fee , no annual fee , rewards , cashback and discounts which it provide to the users and it has an easy eligibility criteria.

Some of top lifetime free credit card

1. IDFC FIRST Wow Credit Card

- Joining Fee: ₹0  

- Annual Fee: ₹0 (Lifetime Free)  

- Key Perks:  

  - Secured credit card (FD-backed)  

  - 4 complimentary airport lounge accesses per year  

  - Fuel surcharge waiver  

  - Zero forex markup fees  

- Eligibility: Minimum FD of ₹10,000  

2. Flipkart Axis Bank Credit Card

- Joining Fee: ₹0 (Limited-time offer)  

- Annual Fee: ₹0 (Lifetime Free on spends of ₹50,000/year)  

- Key Perks:  

  - 5% cashback on Flipkart & Myntra  

  - 4% cashback on partner brands  

  - 1.5% unlimited cashback on other spends  

  - Welcome benefits worth ₹1,500  

- Eligibility:Salaried (₹15,000+ monthly income)  

3. Amazon Pay ICICI Credit Card 

- Joining Fee: ₹0  

- Annual Fee: ₹0 (Unconditional lifetime free)  

- Key Perks:  

  - 5% cashback on Amazon & 2% on other spends  

  - No minimum spending requirement  

  - 1% fuel surcharge waiver  

  - Instant discounts on Amazon  

- Eligibility: Existing Amazon customers with good credit score  

4. SBI SimplySAVE Credit Card

- Joining Fee: ₹0 (Limited-time offer)  

- Annual Fee: ₹0 (Waived on spends of ₹50,000/year)  

- Key Perks:  

  - 10X reward points on dining & movies  

  - 1% fuel surcharge waiver  

  - Discounts on Swiggy, Zomato, and BookMyShow  

- Eligibility: Salaried (₹20,000+ monthly income)  

5. HDFC MoneyBack Credit Card  

- Joining Fee: ₹0 (Often waived)  

- Annual Fee: ₹500 (Waived on spends of ₹50,000/year)  

- Key Perks:  

  - 2X reward points on online spends  

  - 1% fuel surcharge waiver  

  - Complimentary railway lounge access  

- Eligibility: Salaried (₹15,000+ monthly income)  

6. ICICI Bank Platinum Credit Card  

- Joining Fee: ₹0  

- Annual Fee: ₹0 (Lifetime Free)  

- Key Perks:

  - Discounts on travel, dining, and shopping  

  - 2 complimentary lounge accesses per quarter  

  - Fuel surcharge waiver  

- Eligibility: Salaried (₹12,500+ monthly income)  

7. Kotak League Credit Card  

- Joining Fee: ₹0  

- Annual Fee: ₹0 (Lifetime Free)  

- Key Perks:  

  - Discounts on Zomato, Swiggy, and PVR  

  - 2% cashback on online spends  

  - 1% fuel surcharge waiver  

- Eligibility: Salaried (₹15,000+ monthly income)  

How to choose the best lifetime free credit card

Choosing the best lifetime free credit card depends on your spending habits, financial needs and eligibility . Since these cards have no joining or no annual fee so the key is to pick one which can give maximized rewards, discounts and other benefits .

Step 1: Check Your Spending Habits  

Different cards offer rewards on specific categories like shopping, dining, fuel, or travel.  

Examples: 

** For Online Shopping:**  

- Amazon Pay ICICI (5% cashback on Amazon)  

- Flipkart Axis Bank (5% cashback on Flipkart/Myntra)  

 **For Dining & Entertainment:**  

- SBI SimplySAVE (10X rewards on dining & movies)  

- Kotak League (Discounts on Zomato, Swiggy, PVR)  

 **For Fuel & Travel:**  

- IDFC FIRST Wow (Fuel surcharge waiver + lounge access)  

- ICICI Platinum (Travel discounts + lounge access)  

 **For General Spending:**  

- HDFC MoneyBack (2X rewards on online spends)  

Step 2: Verify Eligibility Criteria

Lifetime free cards have minimum income & credit score requirements.  

Examples:

  

| Card | Minimum Income (Salaried) | Credit Score Needed|  

|----------|-----------------------------|------------------------|  

| Flipkart Axis Bank | ₹15,000/month | 700+ |  

| ICICI Platinum | ₹12,500/month | 650+ |  

| SBI SimplySAVE | ₹20,000/month | 700+ |  

| IDFC FIRST Wow | FD-backed (₹10,000 min) | Low score OK |  

- If you have a low credit score, go for FD-backed cards (IDFC FIRST Wow).  

- If you’re a student/freelancer, check for pre-approved offers (Amazon Pay ICICI).  

Step 3: Compare Reward Structures 

Some cards offer flat cashback, while others have category-specific rewards.  

Examples:

- **Flat Cashback:**  

  -Amazon Pay ICICI (2% on all spends, 5% on Amazon)  

  - Kotak League (2% on online spends) 

- **Bonus Rewards:**  

  - Flipkart Axis Bank (4% on partner brands, 5% on Flipkart)  

  - SBI SimplySAVE (10X rewards on dining/movies)

- **Lounge Access:**  

  - IDFC FIRST Wow (4 free visits/year)  

  - ICICI Platinum (2 visits/quarter)  

Step 4: Look for Additional Perks  

Some "lifetime free" cards waive fees only on minimum spends. Check:  

- HDFC MoneyBack → Annual fee waived if you spend ₹50,000/year  

- SBI SimplySAVE → Free if you spend ₹50,000/year  

True lifetime free cards (no conditions):

✅ Amazon Pay ICICI  

✅ IDFC FIRST Wow  

✅ ICICI Platinum  

Step 5: Check Hidden Charges (If Any)  

Even if a card is free, watch out for:  

❌ Late payment fees  

❌ Cash advance fees  

❌ High forex markup (except IDFC Wow & ICICI Platinum)  

Final Recommendation: Best Card Based on Usage 

If You Mostly Spend On	Best Lifetime Free Card
Amazon/Online Shopping	Amazon Pay ICICI
Flipkart/Myntra	Flipkart Axis Bank
Dining & Movies	SBI SimplySAVE
Fuel & Travel	IDFC FIRST Wow
General Spending	HDFC MoneyBack

Pro Tip:

- Use multiple cards (e.g., Amazon Pay ICICI for shopping + IDFC Wow for travel).  

- Always pay bills on time to avoid interest & penalties.  

Conclusion

A lifetime free credit card is a smart financial choice which have no fees it have only benefits. Whether you're shopping online , dining out or fueling up , these cards offers maximum value at zero cost.

FAQs

Are lifetime free credit cards really free forever?

Yes, if they have no joining/annual fees (some may require minimal spending).

Can I get a lifetime free card with a low credit score?

Secured cards like IDFC FIRST Wow (FD-backed) are easier to get.

Which card is best for online shopping?

Amazon Pay ICICI (5% cashback) or Flipkart Axis Bank (5% off) Is best for online shopping.

Can I convert my existing card to a lifetime free card?

Some banks allow upgrades—contact customer care for details.

Can I get a lifetime free card with a low credit score?

Yes! Cards like IDFC FIRST Wow (FD-backed) don’t require a credit score