How are you all? Nowadays everyone is thinking about credit card, because it not only makes shopping easy but also saves money with rewards and cashback. But there is a big problem – annual fees! If you are also among those people who are looking for a lifetime free credit card, which does not have any joining or annual charge, then this post is for you.
In 2025, I will tell you about the best lifetime free credit cards in India, from which you can take maximum benefit. Let’s start, and do not forget to read till the end because there is a special tip here which will make your choice perfect!
Why choose Lifetime Free Credit Card?
Before getting a credit card, it is important to understand that lifetime free cards give you long-term savings. There are no hidden fees in these cards, and you can take advantage of rewards, cashback, and offers without spending extra.
In 2025, banks like ICICI, HDFC, Axis and IDFC have launched some awesome options that are perfect for beginners to heavy users. These cards focus on shopping, fuel, groceries, and online payments.
Best Lifetime Free Credit Cards in India
| Credit Card Name | Key Features |
|---|---|
| Amazon Pay ICICI Credit Card | 5% cashback on Amazon for Prime users, 2% on non-Amazon, no forex markup. |
| IDFC FIRST Millennia Credit Card | 10X rewards on spends above ₹20,000, 3X on online shopping, lifetime free. |
| Tata Neu Infinity HDFC Bank Card | 1.5% NeuCoins on UPI, 5% on Tata apps, targeted LTF offer. |
| Axis Bank My Zone Credit Card | 40% off on Swiggy, 4% cashback on entertainment, joining fee waived on spends. |
| Kiwi RuPay Credit Card | UPI-linked, 1% cashback on all spends, no forex charges, easy approval. |
| Fibe Axis Bank Credit Card | Instant approval, 3% cashback on groceries, fuel, and utilities. |
1. Amazon Pay ICICI Credit Card
This card is a dream for online shoppers. If you are an Amazon Prime member, you get 5% cashback on Amazon, 3% for non-Prime. 2% on other places and 1% on utilities. The best thing – no joining or annual fee, lifetime free. Forex markup is also zero, which means saving on international shopping. Applying is easy, and approval is quick if your CIBIL score is 700+. This card is perfect for beginners who shop a lot from Amazon.
2. IDFC FIRST Millennia Credit Card
This card of IDFC is best for mid-range users. 10X rewards on spends above ₹20,000, 3X on online shopping, and 6X on offline. You can convert rewards into cashback. Lifetime free, and fuel surcharge waiver is also there (1% up to ₹300/month). It is simple to manage from the app. If you spend 10-15k monthly, then this card will save money for you.
3. Tata Neu Infinity HDFC Bank Credit Card
This is a gem for Tata lovers. 1.5% NeuCoins on UPI, 5% on Tata apps, and 1% on rest. You can get lifetime free with Targeted LTF offer. Airport lounge access (2 per quarter) and fuel surcharge waiver as well. It is stronger than HDFC’s network, and you can convert NeuCoins into cash. If you shop from BigBasket, Croma or Westside, then this card is a must-try.
4. Axis Bank My Zone Credit Card
This card is killer for entertainment and foodies. 40% off on Swiggy (up to ₹120), BOGO offers on movies, and 4% cashback on entertainment. Joining fee is ₹500, but it gets waived after spending ₹5000 in the first year and becomes lifetime free. 1% surcharge waiver on fuel. Axis app is user-friendly and requires CIBIL 700+ for approval.
5. Kiwi RuPay Credit Card
This is a UPI-linked card, which is super easy for beginners. 1% cashback on all spends, no forex charges, and instant approval (aadhaar-based). Lifetime free, and works seamlessly on UPI through RuPay network. According to Bankbazar if you make payments through UPI, this card will simplify your daily life.
6. Fibe Axis Bank Credit Card
This is best for those who focus on groceries and utilities. 3% cashback on groceries, fuel, and utilities. Instant approval, and lifetime free. Reliable due to partnership with Axis. Value for money for those with monthly spends 5-10k.
How to Choose Your Card?
Look at your spends while searching for a card. If you do a lot of online shopping, then Amazon Pay. Focus on entertainment on My Zone. For general use, IDFC Millennia. Before applying, check CIBIL (700+ ideal), and compare with banks’ apps. In 2025, these cards give maximum rewards with zero fees, but do not forget to read the terms.
FAQs
Is there really no fee in lifetime free card?
Yes, these cards are free from joining and annual fees, but there can be late payment or forex fees.
Which is the best lifetime free card for beginners?
Amazon Pay ICICI or Kiwi RuPay, because approval is easy and rewards are simple.
How to apply for these cards?
Apply online on bank apps or websites, documents like Aadhaar, PAN upload.
Are these cards good for international payments?
Yes, like zero forex markup in Amazon Pay, but confirm.
How to convert rewards into cash?
Using the redeem option in the bank app, like converting NeuCoins into cash or vouchers.
