Best ICICI Bank Lifetime Free Credit Cards 2025

Lifetime free credit card, with no annual fees

3%-5% unlimited cashback on Amazon India (including flights & hotels)

• 5% cashback for Amazon Prime members
• 3% cashback for Non-Prime members

Exceptions & important exclusions-

• 2% cashback on the following spends – Amazon gift card purchases, e-book purchases, bill payments, recharges.
• No casback on the following spends – Physical and digital gold, all types of EMI transactions, Amazon Business transactions.

2% cashback on 100+ Amazon Pay partners

• Partners include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder
• Must pay through Amazon Pay wallet to earn cashback rewards

1% cashback on other spends

Important exclusions: No cashback given on fuel spends, all types of EMI transactions.

1% fuel surcharge waiver on fuel transactions up to ₹4000

Welcome benefits through Amazon account: Offers worth ₹2000 + 3 months Prime membership

Lifetime free/ no annual fee credit card

0.50% benefit on card purchases

• You earn 2 reward points worth ₹0.50, on every ₹100 you spend on all card purchases.
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for vouchers, products and more on ICICI Bank's rewards redemption platform.

Exceptions-

• No reward points are given on fuel purchases, rent payments, e-wallet loads, government transactions.
• 0.25% benefit on utilities and insurance spends : You earn 1 reward point worth ₹0.25 (25 paise), on every ₹100 you spend in these categories

1% fuel surcharge waiver: You get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000, at HPCL fuel outlets.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on grocery & department store purchases (5X)

• 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
• This is valid only on total monthly purchases up to ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)

• 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

Exceptions: No reward points are given on fuel purchases, utility bills, government transactions, insurance, rent payments, e-wallet loading transactions, international spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card, all types of card fees and other charges.

Complimentary international airport lounge access – 1 time per year

Complimentary domestic airport lounge access – 2 times per quarter. This benefit is applicable only if you have spent a minimum of ₹75,000 on your credit card, in the previous quarter

Complimentary golf rounds, up to 4 rounds per month

• You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
• Up to a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

Fuel surcharge waiver, up to ₹250 per month

• 1% waiver fuel surcharge waiver only on fuel transactions between ₹400 and ₹4000.
• And only on fuel purchases up to ₹25000 per month (since the waiver amount is limited to ₹250 per month).

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% reward on grocery and department store purchases (5X)

• 5 reward points worth ₹1.25, on every ₹100 spent
• This is valid only on total monthly purchases up to ₹20,000 across these categories (since you can earn a maximum of 1000 reward points at this special rate).
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% reward on all other spends (X)

• 1 reward points worth ₹0.25, on every ₹100 spent
• Important exclusions: No reward points are given on fuel purchases, rent, e-wallet loading transactions, utility bills, government transactions, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal loan on credit card fees and other charges.

Domestic airport lounge access – 1 time per quarter. This benefit is applicable only if you have spent a minimum of ₹75000 on your credit card, in the previous quarter.

Complimentary insurance benefits

• Personal accident insurance of ₹2 lakh
• Air accident cover of ₹20 lakhs

1% fuel surcharge waiver (up to ₹250 per month)