Friends, if you’re looking for a credit card that’s lifetime free, doesn’t charge an annual fee, and offers a high credit limit – then these options are perfect for you in 2026! I’ve reviewed these cards, including their rewards, cashback, and limits, to give you an easy choice.
These credit cards are great for shopping, travel, or daily spending, without any extra expense. Let’s take a simple look at the top 5 cards, their features, and why they’re worth it. If you need a higher limit (like ₹5 lakh+ based on your profile), you can get these cards by applying to banks.
Top Lifetime Free Credit Cards: Quick Overview
Lifetime free cards in 2026 focus on rewards – cashback on online spends, fuel surcharge waiver, and lounge access in some. Higher limits require a good CIBIL score (750+) and income proof. These cards range from entry-level to premium, but all are free!
1. Amazon Pay ICICI Credit Card: The King of Online Shopping
This card is designed for Amazon lovers. Lifetime free, and a high limit is available if you’re a regular shopper. Cashback is 5% on Amazon, 3% on non-EMI spends, and 2% on utilities. Fuel waiver is 1%. The limit usually ranges from ₹2-5 lakh.
2. HDFC Swiggy Credit Card: A Must-Have for Foodies
10% cashback on Swiggy orders and 5% on other spends. Lifetime free, no joining fee. Apply through the HDFC app for higher limits – up to ₹3-6 lakh possible. Plus, 3 months of complimentary Swiggy One membership!
3. AU Small Finance Bank IXIGO Credit Card: Travel Fun
10% off on travel bookings on ixigo and 5% cashback on other spends. Lifetime free, and a high limit (₹4 lakh+) is available to travel lovers. Milestone rewards like ₹500 vouchers on ₹50,000 spends.
4. IDFC FIRST Wealth Credit Card: Wealthy Feel Without Fee
This card offers premium features – 4 domestic lounge visits per year, and 10X rewards on spends above ₹20k. Lifetime free, high limit ₹5 lakh+ for salaried folks. 1.5% cashback on all spends, no expiry.
5. ICICI Bank Platinum Chip Credit Card: Basic Par Solid
Simple card for beginners, lifetime free. 25% cashback on movie tickets (on BookMyShow), and fuel surcharge waiver. High limit starts from ₹1-3 lakh, but can be upgraded. Easy approval.
| Features | Details |
|---|---|
| Amazon Pay ICICI Card | 5% cashback on Amazon, limit ₹2-5 lakh |
| HDFC Swiggy Card | 10% on Swiggy, limit ₹3-6 lakh |
| AU ixigo Card | 10% on travel, limit ₹4 lakh + |
| IDFC First Wealth Card | 10X rewards, limit ₹5 lakh + |
| ICICI Platinum Chip Card | 25% movie cashback, limit ₹1-3 lakh |
Pros and Cons
Pros:
- All lifetime free – no annual fee, savings are made.
- High limits on a good profile, shopping and travel rewards are great.
- Easy to apply online, quick approval.
- Cashback and waivers are useful in daily life.
- Milestone benefits like vouchers and lounge access.
Cons:
- High limits require a strong CIBIL score.
- Some cards offer rewards only at specific merchants.
- Upgrades will require additional documentation.
- Foreign transaction fees may be 3.5%.
Conclusion
These lifetime free credit cards are the top choices for high limits and benefits in 2026 – start with Amazon Pay ICICI or HDFC Swiggy if you shop a lot online.
Free yet powerful, just use them responsibly to avoid damaging your score. Apply through your bank apps and check for ongoing offers. Let us know in the comments, which card would you try and why?
