- Discover a curated list of lifetime free credit cards available in India.
- Explore the features and benefits of each credit card, including rewards, discounts, and exclusive privileges.
- Find the perfect lifetime free credit card that suits your spending habits and financial needs.
Credit cards have become an essential financial tool in today’s world, offering convenience and rewards for your everyday spending. While some credit cards come with annual fees, there are several options available in India that offer lifetime free credit cards. These cards provide all the benefits and features of a regular credit card without any annual charges. In this article, we will explore a curated list of lifetime free credit cards in India and highlight their key features and benefits. Let’s dive in and find the perfect credit card that suits your financial needs.
IDFC Millenia Credit Card
The IDFC Millenia Credit Card welcomes you with a voucher worth ₹500. With this card, you can earn up to 10x Non-Expiring Reward points on your purchases. Additionally, you’ll enjoy 4 Railway Lounge access per quarter and get up to 25% off on movies, dining, and more. Apply for the IDFC Millenia Credit Card here.
IndusInd Platinum Aura Edge
The IndusInd Platinum Aura Edge Credit Card offers a host of benefits. Earn 4X Reward Points on your purchases and enjoy a fuel surcharge waiver of up to ₹2400 in a year. Get 4 Reward Points per ₹100 spent on grocery shopping and 2.5 reward points on spending ₹100 on mobile bills and electricity bills. The card also provides a complimentary priority pass membership, access to over 600 VIP airport lounges, and a travel insurance cover. Apply for the IndusInd Platinum Aura Edge Credit Card here.
AU LIT Credit Card
With the AU LIT Credit Card, you can earn up to 10X Reward Points on all your transactions. Enjoy a 1% fuel surcharge waiver and 4 Lounge Access per quarter. The card offers additional benefits, including Zee5, Prime & Cult subscriptions for minimal charges, and 5% cashback on retail spends over a 90-day period. You can also earn 2% cashback and an additional 5% cashback for specific categories. In case of loss of the credit card, you carry zero liability. Apply for the AU LIT Credit Card here.
ICICI Bank Platinum Chip Credit Card
The ICICI Bank Platinum Chip Credit Card allows you to earn 2 Reward Points on every ₹100 spent on retail purchases (except fuel) and 1 Reward Point on every ₹100 spent on utilities and insurance categories. You’ll enjoy a 1% fuel surcharge waiver and have the flexibility to redeem your Reward Points for various options such as movie and travel vouchers, lifestyle products, mobiles, appliances, and more. Additionally, the card offers a minimum of 15% savings on dining bills at over 2,500 participating restaurants. Apply for the ICICI Bank Platinum Chip Credit Card here.
Axis My Zone Credit Card
The Axis My Zone Credit Card comes with exciting benefits. You can avail of a Buy One Get One offer on movie tickets using Paytm Movies, a SonyLiv annual subscription, and a 40% discount on Swiggy (up to 4 times a month). The card provides 1 Lounge Access per quarter and offers 4 Edge Rewards Points per ₹200 spent. Additionally, you’ll enjoy partner discounts on Ajio and dining. Apply for the Axis My Zone Credit Card here.
Axis Indian Oil Credit Card
The Axis Indian Oil Credit Card offers attractive rewards on your fuel transactions. You can get 100% cashback up to ₹250 on fuel transactions in the first 30 days. Enjoy a 4% value back on fuel transactions at IOCL outlets and a 1% value back on online shopping. The card also provides partner discounts on BookMyShow and dining. Axis Bank is currently offering My Zone and Indian Oil Credit Cards as lifetime free cards for a limited time. The regular joining fee and annual fee for these cards are ₹500 each. Apply for the Axis Indian Oil Credit Card here.
Standard Chartered Platinum Rewards Credit Card
The Standard Chartered Platinum Rewards Credit Card lets you earn 5X Reward Points for every ₹150 spent on fine-dining, hotels, and fuel. There is no limit on the rewards you can earn in these categories. Additionally, you’ll earn 1X Rewards Points for every ₹150 spent on other categories. Apply for the Standard Chartered Platinum Rewards Credit Card here.
Shoppers Stop Black HDFC Bank Credit Card
The Shoppers Stop Black HDFC Bank Credit Card comes with exclusive benefits. You’ll receive a complimentary FC Black membership worth ₹4500. Earn 20 First Citizen Points for every ₹150 spent on Shoppers Stop Private label brands, capped at 2,000 First Citizen Points per month. You can also earn 15 First Citizen Points for every ₹150 spent on all other Shoppers Stop brands, capped at 2,000 First Citizen Points per month. For all other spends (except fuel and wallet), you’ll earn 5 First Citizen Points for every ₹150 spent. Each First Citizen point is equivalent to 60 paise. Apply for the Shoppers Stop Black HDFC Bank Credit Card here.
IndusInd Legend Credit Card
The IndusInd Legend Credit Card offers rewarding features. Earn 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends. Get 4000 bonus reward points on spending ₹6 lacs or more in a year. The card also provides a fuel surcharge waiver, discounted foreign currency markup, a Buy One Get One offer on BookMyShow (once per month), and a complimentary personal air accident insurance cover of up to ₹25,00,000. Apply for the IndusInd Legend Credit Card here.
Choosing the right credit card can significantly enhance your financial management and offer exclusive perks and rewards. Consider your spending habits, lifestyle, and preferences when selecting a lifetime free credit card that best suits your needs. Apply today and unlock a world of benefits without the burden of annual fees.