Best Lifetime Free Credit Cards In India 2025: Compare Top No Annual Fee Credit Cards

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 credit card (no annual fee credit card) - limited time offer 

Zomato Discount Offer

• Discount: ₹120 off on Zomato orders
• Frequency: 2 times per month
• Minimum Order: ₹499
• Effective Discount: 24% on orders of ₹500

EazyDiner Restaurant Benefits

• Discount: 15% off (up to ₹500)
• Minimum Order: ₹2,500
• Frequency: 1 time per month
• Payment Method: Through EazyDiner app (PayEazy)

Blinkit Grocery Discount

• Discount: 10% off (up to ₹250)
• Frequency: 1 time per month
• Minimum Order: ₹750

Myntra Shopping Discount

• Discount: ₹150 off on select styles
• Minimum Order: ₹999
• Usage Limit: Once per customer

Cashback on Utliity Bills through Paytm

• Eligible Bills: Mobile recharge, broadband, DTH
• Cashback: 5% (up to ₹150)
• Minimum Transaction: ₹299
• Frequency: 1 time per month

BookMyShow Movie Discount

• Discount: 10% off (up to ₹100 per month)
• Frequency: Unlimited transactions

EDGE Reward Points on Card Spending

• Earning Rate: 1 EDGE point per ₹200 spent
• Point Value: ₹0.20 per point
• Effective Return: 0.10% on all other purchases
• Redemption: Gift vouchers, products via EDGE Rewards platform
• Important Exclusions: Utilities, education, insurance, government, wallet, rent, fuel transactions

Axis Bank Partner Offers

• Grab Deals Cashback: Up to ₹1,000 cashback per month, across partner merchants
• Gift Voucher Discounts: Special rates on select vouchers
• Seasonal Offers: Regular promotional deals on various categories

10% cashback (up to ₹1500 per month) on popular shopping brands like Amazon & Flipkart

5% cashback (up to ₹1000 per month) on well-known travel platforms

1% unlimited cashback on other card transactions

Important exclusions: The following transactions are NOT eligible for earning rewards:

• Fuel spends
• Govt related transactions
• Rent payment transactions
• Utility bill payments (electricity, gas, etc.)
• Wallet loads / gift or prepaid card loads / voucher purchase
• Cash advances
• Payment of Outstanding Balances
• Payment of card fees and other charges
• All types of EMI transactions (EasyEMI/SmartEMI, Dial-an-EMI etc.)

Reward Currency & Redemption:

• Rewards earned as "Jewels" in Jupiter app
• Redemption value: 5 Jewels = ₹1 (i.e., 1 Jewel = ₹0.20) 
• Redemption options: Cashback to card statement credit, digital gold, brand vouchers

No annual fee (except joining fee)

Joining fee compensated by good welcome offers - 

• Free Amazon Prime subscription (1 year, worth ₹1,499)
• Free Fraud Protection plan (1 year, worth ₹399)

Lifetime-free (no annual fee) 

Zero forex markup on international transactions

10% travel discounts on Ixigo

• Flight bookings on Ixigo: 10% discount (up to ₹1000), once a month 
• Hotel bookings on Ixigo: 10% discount (up to ₹1000), once a month
• Bus bookings on Ixigo: 10% discount (up to ₹300), once a month

Airport lounge access

• International airport lounges – once per year
• Domestic airport & railway lounges – 16 times per year (domestic lounge access - maximum 8 times per year)
• Spending requirement for domestic lounge access - ₹20,000 in a calendar quarter

Waiver of Payment Gateway (PG) charges on train bookings: Valid 2 times per month on ixigo trains, and 2 times per month on other train tickets.

1.25% reward on online spends

• 5 reward points worth ₹1.25, on every ₹100 spent 
• 1 reward point = up to ₹0.25, redeemable for flights & bookings, mobile/DTH recharge, vouchers, products and more.
• Monthly limit: 10,000 reward points 

0.62% reward on offline spends

• 2.50 reward points worth ₹0.62, on every ₹100 spent
• 1 reward point = up to ₹0.25 (25 paise), and can be redeemed for flights & bookings, mobile/DTH recharge, vouchers, products and more.

Important exclusions: Reward points are not given on the following transactions - 

• Fuel, rent, Insurance, 
• Jewelry, wallet loads
• Education, government, BPPS & international transactions

Fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹400 and ₹5000

Card liability cover up to ₹1.50 lakhs

• Zero liability for fraudulent transactions, coverage up to ₹1.5 lakhs.
• Protection against card counterfeit/skimming and online frauds.

Lifetime Free Credit Card 

Welcome Benefits

• ₹500 voucher on spending ₹5,000 within 30 days
• 5% cashback (up to ₹1,000) on first EMI within 30 days

Core Rewards Structure 

• Up to ₹20,000 per month spending: 0.50% rewards (3 points per ₹150 spent)
• Above ₹20,000 per month & birthdays: 1.66% rewards (10 points per ₹150 spent)

Enhanced Travel Rewards

• 8.3% extra on hotel bookings (50 bonus points per ₹150 spent)
• 3.3% extra on flight bookings (20 bonus points per ₹150 spent)
• Monthly limit: 8,000 points

Reward Point Value & Redemption

• 1 reward point = ₹0.25 via IDFC PoshVine Reward Portal

Important Exclusions

• No rewards: Fuel, EMI, cash withdrawals
• Reduced rates: 0.16% on insurance & utilities, 0.5% on rent/education/wallets/government

Lounge Access (requires ₹20,000 monthly spend in previous month)

• Domestic airport lounges: 2 visits per quarter 
• International airport lounges: 2 visits per quarter
• Railway lounges: 4 visits per quarter 

Movies & Golf

• Movies: BOGO movie tickets via Zomato District, 2 tickets per month (up to ₹250 off on 2nd ticket)
• Golf benefits: Up to 2 free rounds/lessons per month (1 free for every ₹20,000 spent in previous month)

Fuel & Mobility

• 1% fuel surcharge waiver up to ₹300 per month. Valid on fuel transactions between ₹200 - ₹5,000
• 24/7 roadside assistance (₹1,399 value). 4 incidents per year: tire service, battery jump-start, fuel delivery, key replacement, towing

Insurance Coverage

Travel Protection

• Cancellation insurance (hotel/ flight cancellations): Up to ₹10,000 for 2 claims (CFAR coverage)
• Air accident cover: ₹1 crore
• Travel insurance: USD 1,200 total coverage
  • Baggage loss: USD 500
  • Baggage delay: USD 100
  • Passport/document loss: USD 300
  • Flight delay: USD 300

General Protection

• Personal accident: ₹10 lakh cover
• Card fraud protection: ₹50,000 for lost card liability, skimming, online fraud

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, 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

Digital UPI Credit Card 

▶︎ Basic Rewards Structure (No Subscription)

UPI Transactions

• 0.50% cashback on UPI spending (2 Kiwis per ₹100)
• Monthly cashback limit: 1% of total credit limit
• Minimum transaction: Rewards given on multiples of ₹100 
• 1 Kiwi = ₹0.25 (redeemable as statement credit)

Non-UPI Transactions

• 0.25% rewards (1 point per ₹100 spent)

▶︎ Enhanced Rewards with Kiwi Neon Subscription

Subscription Details

• Annual cost: ₹999

Base Enhanced Rates

• 0.50% cashback on online UPI transactions
• 2% cashback on scan & pay QR transactions

Annual Milestone Rewards

• ₹50,000 annual spend: 3% total cashback + 1 domestic airport lounge access
• ₹1,00,000 annual spend: 4% total cashback + 1 domestic airport lounge access
• ₹1,50,000 annual spend: 5% total cashback + 1 domestic airport lounge access

Important reward exclusions & exceptions

• Telecom & utilities (utility rewards limited to 150 reward points per month)
• Jewelry, fuel, rent payments
• Insurance premiums & education fees
• Government services & wallet reloads
• Cash withdrawals & EMI transactions
• Marketing/advertising category transactions

▶︎ Other Benefits: 1% fuel surcharge waiver, up to ₹250 per month

3% Reward on UPI Transactions via Super.money App

• 3% cashback on "Scan & Pay" UPI transactions
• Monthly cashback limit: ₹500 (reached at ₹16,667 spending)

1% Reward on Non-UPI Transactions

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on fuel transactions between ₹400-₹4,000
• Maximum waiver: ₹400 per month

Important Exclusions: No Cashback given on-

• Repayments & EMI transactions
• Utility & telecom services
• Fuel purchases (except surcharge waiver)
• Jewelry, watches & silverware stores
• Cash withdrawals & wallet loads
• Insurance & education services
• Government services & financial institutions
• Rental payments

UPI Transaction Guidelines

Allowed UPI Usage

• Merchant payments through UPI network
• Standard retail and service transactions

UPI Restrictions: Cannot be used for - 

• Person-to-person (P2P) transfers
• Person-to-person merchant (P2PM) transactions
• Digital account opening & lending platforms
• Cash withdrawal (merchant/ATM)
• ERUPI, IPO applications
• Foreign inward remittances
• Mutual fund investments
• Other categories as restricted by Axis Bank

Lifetime free, no annual fee

Guaranteed approval against fixed deposit, no income proof or credit score required

• Minimum FD amount: ₹20,000
• Credit limit: Minimum 100% of FD amount

Zero forex fees on international transactions

Rewards Program

• 0.66% rewards on all eligible spending (2.66 reward points per ₹100 spent)
• 1 reward point = ₹0.25

Exceptions & important exclusions

• Insurance & utilities: 0.16% rewards (0.66 points per ₹100)
• No rewards: Fuel purchases, EMI transactions, cash withdrawals

Redemption 

• Points redeemable via IDFC FIRST rewards platform
• Options: Vouchers, products, and more

Fuel Savings

• 1% fuel surcharge waiver up to ₹200 per month
• Valid on fuel transactions between ₹200-₹5,000

Roadside Assistance (₹1,399 value)

24/7 emergency services (up to 4 times/year):

• Flat tire service & tire replacement
• Battery jump-start or replacement
• Emergency fuel delivery
• Lost key replacement & minor repairs
• Vehicle towing & assistance via Global Assure

Comprehensive Insurance Coverage

Card Security Protection

• ₹25,000 lost card liability & fraud protection
• Covers counterfeit, skimming, phishing for online purchases

Personal Protection

• ₹2 lakh personal accident cover
• Coverage for accidental death or permanent disability

Purchase & Credit Protection

• ₹25,000 purchase protection cover
• ₹50,000 credit shield cover

Zero forex markup credit card: No forex fee is charged on international card transactions

Lifetime free (limited time offer)

1% cashback on card spending

Important exclusions (no cashback)

• Fuel purchases
• Wallet loads & rent payments
• Government transactions & education fees
• Cash withdrawals & utility payments
• EMI transactions & cash advances
• Fees, charges & card transactions abroad
• Note: International transactions get zero forex markup but no cashback

Fuel surcharge waiver up to ₹500 per month, and valid only on fuel transactions up to ₹7500 

Lifetime free credit card: No annual fee is charged on this credit card

Zero forex fees on international transactions

Unlimited domestic lounge access (with monthly spending requirement)

• Visa variant: ₹10,000 spend per month
• RuPay variant: ₹15,000 spend per month

Up to 2% basic rewards

• Visa Variant: 2% rewards on card spends (10 Scapia Coins per ₹100)
• RuPay Variant: 1% rewards on card spends (5 Scapia Coins per ₹100)

4% rewards on travel 

• Earning rate: 20 Scapia Coins per ₹100 on Scapia app bookings
• Coverage: Flights, hotels, buses booked through Scapia app

Value of Reward Points & Redemption

• Value: 1 Scapia Coin = ₹0.20
• Redemption: Travel bookings through Scapia app only (flights, hotels, buses)

Exclusions & Restrictions

1. No Rewards Categories

• Money transfers & rent payments
• Cash withdrawals & EMI transactions
• Forex transactions & education fees
• Gift cards & credit card repayments
• Crypto/digital asset transactions
• Fuel purchases & wallet loading

2. Utility Spending Cap (utilities, telecom, cable): No rewards on spending above ₹20,000 per month