IndusInd Lifetime Free (No Annual Fee) Credit Cards in India 2026

▶︎ Lifetime free, no annual fees

▶︎ Discount at EazyDiner Restaurants

• 20% discount (up to ₹500 per transaction)
• Usage: 3 times per month
• Most effective on bills up to ₹2,500 (discount percentage decreases above this amount)
• Payment: Must pay through EazyDiner app via PayEazy
• This discount is in addition to restaurant offers

▶︎ EazyDiner Prime Membership

• Complimentary 3-month membership worth ₹1,095
• Benefits: 25%+ discount at restaurants & bars
• Renewal: Automatically renewed at ₹30,000 quarterly card spending

▶︎ Rewards Program

• 0.4% rewards on all eligible card spending (2 reward points per ₹100)
• 1 reward point = ₹0.20

Exceptions & Exclusions

• Rent, government, utilities, insurance: Reduced 0.7 reward points per ₹100
• Fuel purchases: No rewards earned

Redemption of Reward Points

• Points redeemable only on EazyDiner app
• Use for restaurant bill payments or other EazyDiner app options

▶︎ Fuel benefits: 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000

Lifetime Free Credit Card 

Travel Benefits 

• Domestic lounges: 2 visits per quarter 
• International lounges: 2 visits per year 
• Low forex markup: 1.5% on international transactions

Movies & Golf

• BookMyShow movie tickets: 1 ticket (up to ₹500) every 6 months, maximum 2 tickets per year
• Golf: 1 free round OR 1 free lesson per quarter

Roadside Assistance (Legend Auto Assist): 

24/7 emergency services - 

• On-spot mechanical/electrical repairs
• Emergency fuel supply & flat tire service
• Lost key assistance & battery service
• Emergency towing & accident management

Concierge Services (Legend Concierge): 

24/7 premium assistance - 

• Global trip planning & pre-trip guidance
• Hotel & flight booking assistance
• Sports & entertainment ticket reservations
• Exclusive event bookings
• Worldwide flower & gift delivery

Total Protect Coverage

Unauthorized transaction protection up to credit limit for:

• Lost or stolen card incidents
• Counterfeit fraud (card details theft & misuse)

Air accident cover of up to ₹25 lakhs

1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 

Tiered Rewards Program

Annual Spending Slabs

• Up to ₹1 lakh: 0.4% cashback (1 point per ₹100)
• ₹1-2.5 lakh: 0.8% cashback (2 points per ₹100)
• ₹2.5-5 lakh: 1.6% cashback (4 points per ₹100)
• Above ₹5 lakh: 2.4% cashback (6 points per ₹100)

Point Value & Examples

• 1 reward point = ₹0.40 cashback
• Example 1: ₹6 lakh annual spend = 20,000 points = ₹8,000 cashback (1.33% effective rate)
• Example 2: ₹3 lakh annual spend = 6,000 points = ₹2,400 cashback (0.8% effective rate)

Important Exclusions

• No rewards on: Fuel, utilities, insurance, government services, education, real estate, rent

Lifetime free card, enabled for UPI payments

Rewards Program

• 1.2% rewards on UPI transactions (2 points per ₹100)
• 0.60% rewards on all other card spending (1 point per ₹100)

Value of Reward Points & Redemption

• IndusMoments platform: 1 point = ₹0.60 (best value)
• Cashback conversion: 1 point = ₹0.35 (lower rate)

Important Exclusions (No Rewards)

• Fuel purchases
• Real estate & rental payments

Reduced Rewards

• 0.42% rewards on utilities, insurance, government services, education fees
• Earn 0.7 points per ₹100 in these categories

Fuel surcharge waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4000 only

Lifetime free credit card

You need to choose any one out of the 4 rewards plans given below:

1. Shop Plan: 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan: 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan: 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan: 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% cashback on movie tickets || 0.20% cashback on all other card spends

Reward points redemption

• 1 reward point = ₹0.40 as cashback
• You can also convert reward points to Singapore Airlines Krysflyer Miles. 1 reward point = 0.25 Krysflyer Miles.  Maximum 10,000 Reward Points can be redeemed against KrisFlyer Miles in a calendar month.
• You can also convert reward points on IndusInd Moments, Indusind's rewards redemption platform. The value of reward points would depend on the redemption option you choose. 1 reward point can be valued up to ₹1, on select redemption options.

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000 

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Travel related insurance (Travel Plus Program), applicable on international travel

• Air accident cover of ₹25 Lakh
• Lost baggage up to ₹1 lakh
• Delayed baggage up to ₹25,000
• Loss of passport up to ₹50,000
• Lost ticket up to ₹25,000
• Missed connection up to ₹25,000

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends

• 2.50 rewards points (worth ₹1.87 as cashback), on every ₹100 you spend on online purchases except travel
• 1 reward point worth (worth ₹0.75 as cashback), on every ₹100 you spend on offline purchases
• Reward points redemption: 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert reward points to Singapore Airlines Krysflyer Miles at a slightly lower rate. 1 reward point = 0.50 Krysflyer Miles

Restrictions & exclusions 

• 1.50 reward points (worth ₹1.12 as cashback), on every ₹100 you spend on online travel
• 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
• No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 time per quarter

Complimentary access to airport lounges abroad –  1 time per quarter

Bookmyshow Buy One Get One Free Offer: 3 free movie tickets (up to ₹200 each) every month

• Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
• This offer can be availed maximum 3 times per month.

Complimentary golf benefits in India – 1 free golf rounds per month AND 1 free golf lessons per month. You need to spend a minimum of ₹25,000 in the previous month

24/7 emergency roadside assistance (Legend Auto Assist): Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services): Services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card 
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Air accident cover of ₹25 lakhs

No annual fee from 2nd year onwards (lifetime free for select channels)

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends 

• 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends 
• 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays
• Reward points redemption: 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback.

Exceptions:

• 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.
• No reward points are given on fuel spends.

Additional benefit, at ₹5 lakhs annual card spend (milestone benefit)

• 3000 rewards points worth ₹1500, at ₹5 lakhs yearly card spend
• 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback

Free Priority Pass membership worth USD 100 (for international airport lounge access)

• Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
• If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits up to ₹200 per month

• Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
• This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist): Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services): This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits

Air accident insurance of ₹25 lakhs

Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.

Complimentary travel insurance covers-

• Lost baggage cover of ₹1 lakh
• Delayed baggage cover of ₹25000
• Loss of passport cover of ₹50000
• Lost ticket cover of ₹25000
• Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver up to ₹100 per month, and valid only on fuel transactions between ₹500 and ₹3000 

No annual fee from 2nd year onwards

Bookmyshow 'Buy One Get One Free Offer': 2 free movie tickets (up to ₹200 each) every month: Buy one movie ticket and get up to ₹200 off on the second ticket, 2 times per month.

0.50% cashback on all card spends

• Earming reward points: 0.66 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on your card 
• Reward points redemption: 1 reward point = ₹0.75, and can be converted to cashback, and credited to your monthly card statement.

Complimentary insurance benefits

Air accident insurance of ₹25 lakhs

Travel related insurance (Travel Plus Program), applicable on international travel

• Lost baggage up to ₹1,00,000
• Delayed baggage up to ₹25,000
• Loss of passport upto ₹50,000
• Lost ticket upto ₹25,000
• Missed connection upto ₹25,000

Total Protect : This covers for unauthorised transactions on your card in case of –

• Loss or theft of the card
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Fuel surcharge waiver, up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹3000

Flexibility when making payments at merchant stores: Choose to make payment by EMI, by reward points, or by credit (normal use of the credit card)