Lifetime Free Credit Card (No Annual & Joining Fee) In India

Lifetime Free Credit Cards: No Annual Fee, No Hassle

A lifetime free credit card is a type of credit card that does not charge any annual or renewal fees for the entire period that you hold the card. Some credit cards may initially have an annual fee, but this fee can be waived if you meet certain criteria, such as spending a minimum amount annually. Once these conditions are met, the card is effectively considered a lifetime free credit card, providing you the benefits of credit usage without the recurring cost of fees.

Best Lifetime Free Credit Cards in India 2024

Card Name	Best Suitable For	Annual Fee
HSBC Visa Platinum Credit Card	Shopping & Rewards	Nil
HDFC MoneyBack Credit Card	Cashback & Rewards	Nil (Waived off on spending 50,000 and above)
HDFC Freedom Credit Card	Travel & Entertainment	Nil (Waived off on spending 50,000 and above)
SBI Cashback Credit Card	Online Shopping	Nil (Waived off on spends of Rs.2 Lakh)
SBI Unnati Credit Card	Beginners & Low Income	Nil (Waived off for first 4 years)
Axis ACE Credit Card	Bill Payments & Cashback	Nil (Waived off on spends of Rs.2 Lakh)
Axis NEO Credit Card	Lifestyle & Dining	Nil (For Selected Channels)
IDFC Millennia Credit Card	Millennials & Gen Z	Nil
IndusInd Legend Credit Card	Premium Lifestyle Benefits	Nil
Standard Chartered Platinum Rewards Credit Card	Rewards & Fuel	Nil (Waived off on spending Rs. 60,000)
YES ACE Credit Card	General Benefits	Nil (Waived off on spend of 50,000 in the previous year)

Top 10 Lifetime Free Credit Card : Features & Benefits

HSBC Visa Platinum Credit Card

Key Features & Benefits:

Earn rewards points on all purchases.
Enjoy additional benefits on dining and fuel.
Complimentary airport lounge access.
Excellent for everyday shopping and travel expenses.

Joining Fees: Nil

Annual Fees: Nil

Why Use This Card: Ideal for individuals seeking a comprehensive rewards program and travel benefits.

HDFC MoneyBack Credit Card

Key Features & Benefits:

Get cashback on online spends.
Earn reward points on every transaction.
Fuel surcharge waiver.
For frequent online shoppers looking to earn cashback.

Joining Fees: Rs. 500

Annual Fees: Rs. 500

Why Use This Card: Perfect for those who prefer cashback, especially on online transactions.

HDFC Freedom Credit Card

Key Features & Benefits:

Earn rewards points on all spends.
Exclusive travel and entertainment offers.
Fuel surcharge waiver.
For frequent travelers and moviegoers.

Joining Fees: Rs. 500

Annual Fees: Rs. 500

Why Use This Card: Great for travelers and entertainment seekers.

SBI Cashback Credit Card

Key Features & Benefits:

5% cashback on online purchases.
Fuel surcharge waiver.
Exclusive e-commerce offers.
Maximizes benefits on e-commerce purchases.

Joining Fees: Rs. 900

Annual Fees: Rs. 900

Why Use This Card: Best for avid online shoppers seeking extra cashback.

SBI Unnati Credit Card

Key Features & Benefits:

Simplified application process without income proof.
Earn reward points on all purchases.
Fuel surcharge waiver.

Joining Fees: Nil

Annual Fees: Rs. 499 (5th year onwards)

Why Use This Card: Ideal for beginners and low-income individuals looking to build their credit.

Axis ACE Credit Card

Key Features & Benefits:

2% cashback on all transactions.
Higher cashback on bill payments.
Fuel surcharge waiver.

Joining Fees: Rs. 499

Annual Fees: Rs. 499

Why Use This Card: Perfect for those who want high cashback on everyday expenses and bill payments.

Axis NEO Credit Card

Key Features & Benefits:

Discounts on dining and entertainment.
Earn reward points on every transaction.
Fuel surcharge waiver.

Joining Fees: Rs. 250

Annual Fees: Rs. 250

Why Use This Card: Ideal for lifestyle and dining enthusiasts.

IDFC Millennia Credit Card

Key Features & Benefits:

Earn rewards points on all purchases.
Higher rewards on online spends.
Complimentary lounge access.

Joining Fees: Nil

Annual Fees: Nil

Why Use This Card: Best for millennials and Gen Z looking for high rewards and travel benefits.

IndusInd Legend Credit Card

Key Features & Benefits:

Premium lifestyle benefits.
Earn rewards on every spend.
Fuel surcharge waiver.
Suitable for high spenders and luxury seekers.

Joining Fees: Rs. 9999

Annual Fees: Nil

Why Use This Card: Ideal for those seeking premium lifestyle perks and rewards.

Standard Chartered Platinum Rewards Credit Card

Key Features & Benefits:

High rewards on dining and fuel.
Exclusive offers on shopping and travel.
Fuel surcharge waiver.
Beneficial for frequent drivers

Joining Fees: Rs. 250

Annual Fees: Rs. 250

Why Use This Card: Excellent for those who want to earn rewards on everyday fuel and dining expenses.

YES ACE Credit Card

Key Features & Benefits:

Earn rewards points on all transactions.
Exclusive offers on dining and travel.
Fuel surcharge waiver.

Joining Fees: Rs. 399

Annual Fees: Rs. 399

Why Use This Card: Great for those seeking a versatile card with general benefits.

Lifetime Free vs No Annual Fee Credit Card

Feature	Lifetime Free Credit Card	No Annual Fee Credit Card
Joining Fee	Nil	May have a joining fee
Annual Fee	Nil	No annual fee for the first year or if certain criteria are met later
Fee Waiver	Not applicable	Annual fee waived upon meeting conditions

Lifetime free credit cards do not charge an annual fee ever, while no annual fee credit cards may waive the fee only for the first year or upon meeting certain criteria. Choose a lifetime free credit card for perpetual savings on annual fees. Opt for a no annual fee card if you can meet the spending requirements to waive off the fee.

How to Apply for Zero Annual Fee Credit Card

Click on “Credit Card” in the header section
Fill up your personal details on the credit card document form that opens.
Submit the form to get a list of available offers.
Choose the one that suits you best and click on ‘Apply’
Submit the online application form and you will hear from our representatives if you are eligible.
Alternatively, you can also connect with the credit card customer care of the provider to take things forward.
Also check CIBIL score for credit card before applying.

10X Reward Points on online spends at Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, & UrbanClap .
5X rewards on all other online spends.

FAQs on Lifetime Free Credit Cards in India 2024

✅ Can I Get a Lifetime Free Credit Card Without Income Proof?

Yes, certain banks offer lifetime free credit cards without income proof, typically secured against a fixed deposit.

✅ Can I get a zero annual fee credit card with a low credit score?

Yes, some banks offer zero annual fee credit cards to individuals with low credit scores, usually secured cards.

✅ What are the hidden charges associated with Lifetime Free Credit Cards?

There are no hidden annual or renewal fees, but other charges like late payment fees and foreign transaction fees may apply.

✅ How to find a credit card with no annual fees?

Research online, compare offers from different banks, and look for promotional deals.

✅ Can I withdraw money from an ATM with my lifetime free credit card?

Yes, but it may incur cash advance fees and interest charges.

✅ Which bank offers the best lifetime free credit card?

The best card depends on individual needs; ICICI, HDFC, and SBI offer popular options.

✅ Which is the best lifetime free credit card with lounge access?

The Yes Bank Prosperity Edge (Select) Credit Card offers complimentary lounge access.

✅ What happens if I don't pay my credit card bill on time?

You may incur late payment fees, increased interest rates, and a negative impact on your credit score.

Axis Bank Credit Card

Axis Bank MY ZONE Credit Card

Axis Bank SELECT Credit Card

IndianOil Axis Bank Credit Card

Axis Bank Magnus Credit Card

Flipkart Axis Bank Credit Card

Axis Bank Vistara Credit Card

Axis Bank Rewards Credit Card

Axis Bank Vistara Infinite Credit Card

Axis Bank Neo Credit Card

Samsung Axis Bank Signature Credit Card

Axis Bank Aura Credit Card

Axis Bank Kwik Rupay Credit Card

Axis Bank Vistara Signature Credit Card

Axis Bank Privilege Credit Card

Samsung Axis Bank Infinite Credit Card

Axis Bank Reserve Credit Card

Axis Bank Airtel Credit Card

Axis Bank Insta Easy Credit Card

Axis Bank Freecharge Credit Card

Axis Bank Forex Card

Axis Bank Rupay Credit Card

Axis Bank Burgundy Private Credit Card

Axis Bank Credit Card Interest Rates

Axis Bank Credit Card Pin Generation

Axis Bank Credit Card Offers

Axis Bank Credit Card Types

HDFC Credit Card

HDFC Freedom Credit Card

HDFC Indian Oil Credit Card

HDFC MoneyBack Credit Card

HDFC Infinia Credit Card

HDFC Diners Club Black Credit Card

HDFC Swiggy Credit Card

HDFC Regalia Credit Card

HDFC Millennia Credit Card

HDFC Business MoneyBack Credit Card

HDFC Regalia Gold Credit Card

HDFC Regalia First Credit Card

HDFC UPI Rupay Credit Card

Paytm HDFC Bank Credit Card

HDFC MoneyBack+ Credit Card

Tata Neu Plus HDFC Bank Credit Card

Shoppers Stop HDFC Bank Credit Card

Flipkart Wholesale HDFC Bank Credit Card

6E Rewards IndiGo Credit Card

HDFC Times Platinum Credit Card

HDFC Bank Corporate Platinum Credit Card

HDFC Rupay Credit Cards

HDFC Forex Cards

HDFC Virtual Credit Card

Best HDFC Credit Cards

SBI Credit Card

SBI Prime Credit Card

SBI Simply Click Credit Card

SBI Elite Credit Card

SBI IRCTC Platinum Credit Card

SBI Simply Save Credit Card

SBI Pulse Credit Card

SBI Cashback Credit Card

IDFC First Bank Credit Card

IDFC Millennia Credit Card

IDFC Classic Credit Card

IDFC Wealth Credit Card

IDFC Wow Credit Card

IDFC Select Credit Card

AU Bank Credit Card

AU Bank Zenith Credit Card

AU Bank Vetta Credit Card

Au Bank Altura Plus Credit Card

AU Bank Altura Credit Card

AU Bank LIT Credit Card

AU Bank Credit Card Eligibility

AU Bank Credit Card Customer Care Number

AU Bank Credit Card Net Banking

AU Bank Credit Card Eligibility

AU Bank Credit Card Bill Payment

American Express Credit Card

Amex Membership Rewards Credit Card

Amex Platinum Reserve Credit Card