A Lifetime Free Credit Card has Zero Joining or Annual Fees. These credit cards are perfectly suited to beginners or users who have just started their professional journey. They have never availed of Credit Cards. Lifetime Free Credit Cards are also suitable for those users who don’t want to pay any additional fee for the Credit Card. While most of the Credit Cards in this category only offer some basic benefits with low rewards rates, there are still a few Credit Cards in this range that offer high rewards rates with interesting benefits.
Here, in this article, we’ve listed some of the Best Lifetime Free Credit Cards in India. With each credit card, we’ve also mentioned who should get it. This article will help you decide and choose the Best Credit Card that suits your requirements.
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Top Trending Lifetime Free Credit Cards
1. IndusInd Bank Platinum Aura Credit Card
IndusInd Bank Platinum Aura Edge Credit Card is designed for customers who love traveling, shopping, and leading a premium lifestyle. It comes with lots of amazing features and it’s a lifetime free credit card. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Earn 4X Reward Points on select merchant categories by spending a minimum of Rs. 150 with this credit card.
- Get 1% Fuel Surcharge Waiver of up to 2,400 per annum with this Credit Card.
- Earn 4 Reward Points for each 100 spent on grocery purchases.
- Pay your bills with this credit card and earn 5 Reward Points for every Rs. 100 spent
- Earn 5 Reward Points for every Rs. 100 spent on all other categories.
- Enjoy access to over 600 VIP airport lounges with this card.
Fees and Charges
- Joining Fee – Lifetime Free
- Annual Fee – Nil
- Add-on Card Fee – Nil
- Finance Charges – 83% per month and 46% per annum
- Re-Issue/ Replacement Charges – 100
2. IndusInd Legend Credit Card
Live like a legend by enjoying your Legend Credit Card from IndusInd Bank. The credit card has an innovative feature of PayWave which allows the cardholder to pay for purchases by tapping on the merchant terminal. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Earn 1 Reward Point for every 100 spent on weekdays (Monday-Thursday).
- Earn 2 Reward Points for every 100 spent on weekends (Friday-Sunday).
- Spend 6 lakhs in a year and earn 4000 Bonus Reward Points.
- Get 1% Fuel Surcharge Waiver of up to 2,400 per annum with this Credit Card.
- Get complimentary movie tickets worth 7200 per year.
- Enjoy two domestic airport lounge visits per quarter.
- You can purchase one movie ticket and get another for free when you book through the BookMyShow app or website.
- It is a contactless card that can help you make faster payments.
Fees and Charges –
- Joining Fee – 9999
- Annual Fee – Nil
- Add-on Card Fee – Nil
- Finance Charges – 83% per month and 46% per annum
- Re-Issue/ Replacement Charges – 100
Also Read: How To Apply For Money View Credit Card | Money View Loan App
3. AU Bank LIT Credit Card
The AU Bank LIT Credit Card has emerged as India’s top customizable credit card where you can customize your credit card as per your choice. It also gives you complete freedom to choose the benefits of your choice. Moreover, the features of this credit card can be easily switched on/off depending on your lifestyle. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Get 10X or 5X Reward Points on all online domestic and international retail transactions.
- You’ll get 10X or 5X Reward Points on all POS and contactless transactions.
- You’ll get a 1% Fuel Surcharge Waiver on all transactions between INR 400 to INR 5000.
- Extra 5% Cashback on groceries, travel, electronics, dining, and apparel along with 1 Reward Point per 100 spent.
- You can also enjoy Airport Lounges all over India using your LIT Credit Card. You can use up to 4 Airport Lounges per 90 days.
- You can also get a 3-month free subscription to ZEE5, Amazon Prime, and Cult Pass with this credit card.
Fees and Charges –
- Joining Fee – Nil
- Annual Fee – Nil
- Add-on Card Fee – Nil
- Finance Charges – 59% per month and 43.08% per annum
- Re-Issue/ Replacement Charges – 100
- Reward Point Value – Rs. 0.25 for 1 reward point
4. IDFC First Millennia Credit Card
The name of this credit card is IDFC First Millennia Credit Card and it comes with many exciting benefits. You can save a lot of money on dining and earn Reward Points with this credit card. Apart from that, there is no annual or renewal fee on this credit card. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Get a Welcome Gift Voucher worth 500 on spending up to Rs. 15,000 from your credit limit within 90 days from card issuance.
- Earn 10X Reward Points on all transactions above 20000
- Earn 3X Reward Points on all offline transactions and 6X Reward Points on all online transactions with this card
- Also, increase your Reward Points by 10 times on your birthday.
- Enjoy a flat 25% off on movie tickets every month subject to a maximum of 100.
- Avail up to 20% off at 1500+ restaurants all over the country.
- Enjoy 4 free visits to the Railway Lounge every
- Get a 1% fuel surcharge waiver up to 200 every month at a fuel refilling station.
- This credit card offers interest-free cash withdrawals from ATMs for up to 48 days.
Fees and Charges –
- Joining Fee – Nil
- Renewal Fee – Nil
- Add-on Card Fee – Nil
- Finance Charges – 3.5% per month and 42% per annum
- Re-Issue/ Replacement Charges – 100
- Cash Withdrawal Charges – 250 per transaction
5. ICICI Bank Platinum Chip Credit Card
This Credit Card allows you to earn Reward Points on everyday purchases and also provides multiple discounts and amazing deals. The most attractive feature of this credit card is that it allows PAYBACK Points. Let’s discuss the benefits and features of this Credit Card which are as follows –
- 1% discount on fuel surcharge at fuel refilling. But this applies only for transactions up to 4,000.
- You get 2 PAYBACK points for every retail purchase worth 100 (excluding fuel).
- Avail a minimum of 15% off on your dining bill at 2,500+ restaurants across the country with ICICI Bank’s Culinary Treats
- On total spending of 50,000 and more, you can waive your credit card annual fee for the next year.
Fees and Charges –
- Joining Fee – Nil
- Annual Fee – Nil
- Finance Charges – 3.40% per month or 40.8% per annum
- Re-Issue/ Replacement Charges – 100
Also Read: How To Apply BookMyShow Play Credit Card FREE | Get Upto 2 Lakh Credit Limit
6. Axis Flipkart Credit Card
Online shopping is on the rise these days as it is incredibly convenient and there are several offers floating around. Similarly, there are lots of offers on Flipkart and if you want more discounts and offers, you can use the Flipkart Axis Bank Credit Card. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Enjoy 5% Cashback on Flipkart and Myntra.
- You’ll also get 5% Cashback on several brands like Fit, ClearTrip, PVR, Swiggy, TataSky, and TATA1mg.
- Get 4 free access to airport lounges in a year.
- Enjoy a Fuel Surcharge Waiver of 1% with a maximum of 400 per month between transactions of Rs. 400 to Rs. 4000
- Spend 2 lakhs and more with this Credit Card and waive your annual fee.
- Get a voucher worth 500 on your 1st transaction from Flipkart.
- You’ll get a 50% Instant Discount up to 100 when you place your first order with Swiggy.
- Enjoy Flat 15% Cashback up to 500 on the 1st transaction through Myntra.
Fees and Charges –
- Joining Fee – 500
- Annual Fee – Rs. 500
- Add-on Card Fee – Nil
- Finance Charges – 6% per month (52.86% per month)
- Cash Withdrawal Charges –5% of the cash amount or Minimum of Rs. 250.
(Note – If your transaction is more than Rs. 2 lakh, your Annual Fee will be waived off).
7. IRCTC SBI Platinum Credit Card
How would you feel about booking railway tickets online and getting them delivered to your doorstep? Or air tickets at unbeatable prices? You’d be very happy, wouldn’t you? The IRCTC SBI Platinum Card has several offers that make it a traveler’s favorite credit card. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Up to 10% Value Back in the form of Reward Points on booking railway tickets in AC1, AC2, AC Chair Car classes on the IRCTC
- Get a 8% Transaction Fee waiver on the IRCTC tickets.
- 1% Fuel Surcharge Waiver on transactions above 500 to Rs. 3,000 at all petrol pumps.
Fees and Rewards –
- Joining Fee – 500 (one-time)
- Annual Fee – 300 per annum
- Add-on Card Fee – Nil
- Finance Charges – 35% per month
- Re-Issue/ Replacement Charges – 100
Also Read: How To Apply Axis My Zone Credit Card: Lifetime FREE | No Annual/ Join Fees
8. IndusInd Bank Platinum Select Credit Card
IndusInd Bank also offers various types of credit cards. Out of these, the Platinum Select Credit Card provides the ultimate benefits. The cardholder gets the best of privileges in travel, accommodation, dining, and lifestyle. Amazing reward programs and discounts make this credit card worth buying. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Credit free period of up to 50 days on the Credit Card.
- Avail 50% off on hotel bills and accommodation.
- Enjoy more destinations in over 600 hotels, resorts, and apartments in 17 countries.
- Buy 1 movie ticket worth 200 and get another movie ticket for free.
- Earn 1 Reward Point for every 150 spent on your credit card.
Fees and Rewards –
- Joining Fee – 5,999
- Annual Fee – Nil
- Add-on Card Fee – Nil
- Finance Charges –83% per month or 46% per annum
- Re-Issue/ Replacement Charges – 100
9. AU Bank Altura Credit Card
The AU Bank Altura Credit Card comes with a ton of features and benefits that will cut down on expenses. This credit card is available at a nominal charge and the annual fee is waived upon reaching a certain target. Apart from that, you’ll also get cashback with this credit card. Let’s discuss the benefits and features of this Credit Card which are as follows –
- Enjoy 5% Cashback on retail spends of 2500 within 60 days from the date of card issuance.
- Enjoy 2% Cashback at departmental stores and grocery stores.
- Also, get 2% Cashback on utility bill payments with this Credit Card.
- Enjoy 1% Cashback on all other retail expenses.
- Reach target retail spend of 10,000 or more in a month with this Credit Card and get an extra Rs.50 Cashback.
- Enjoy 2 Complimentary Access per quarter to the Railway Lounge using a VISA Card.
- With the AU Bank Altura Credit Card, you can waive 1% of the fuel surcharge at refilling stations.
Fees and Rewards –
- Joining Fee – NIL
- Annual Fee – 119
- Add-on Card Fee – Nil
- Finance Charges – 49% per month or 41.88% per annum
- Re-Issue/ Replacement Charges – 100
Also Read: How To Apply Swiggy HDFC Credit Card FREE
Conclusion
In this article, you’ve found the Best Lifetime Free Credit Cards with no Annual or Renewal Fee. On the other hand, you can easily explore the features and benefits of these credit cards which help you cut down on your expenses. With these credit cards, you can also earn thousands of Reward Points and redeem them on the Redeem Point Redemption website of the respective bank.