✅ Handpicked by FindMyCard · Updated August 2026

Top 7 Lifetime Free Credit Cards in India

No joining fee. No annual fee. No catch. Here are the 7 cards we'd actually recommend if you never want to pay a rupee just to hold one.

1 🏆 Top Pick

ICICI Amazon Pay Credit Card

4.5/5

ICICI Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Amazon Shoppers & Digital Payments

Rewards Type Cashback

Rewards Rate

5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else

Welcome Benefits

Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining

Card Details +

Key Advantages

✓ Zero annual fee, genuinely lifetime free
✓ 5% cashback on Amazon for Prime members
✓ Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
✓ 2% cashback on 100+ Amazon Pay partner merchants
✓ Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Limitations

✕ Only 1% cashback on non-Amazon/non-Amazon Pay spends
✕ Best value tied to an Amazon Prime subscription
✕ No lounge access benefits
✕ Purely cashback, with no travel miles or reward point option

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Scapia Credit Card

4.7/5

Federal Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Frequent Travelers, Zero Forex International Spends & Unlimited Domestic Lounge Access

Rewards Type Reward Points

Rewards Rate

20% Scapia Coins on Scapia app travel bookings (~4% return); 10% Scapia Coins on other eligible spends (~2% return)

Welcome Benefits

Instant virtual card issuance upon approval + unlimited Scapia Coins redemption on travel

Card Details +

Key Advantages

✓ 100% Lifetime Free travel credit card with zero joining and annual fees
✓ Absolute 0% foreign exchange transaction markup fee on international expenditures
✓ Unlimited domestic airport lounge access upon spending ₹20,000 in a billing cycle
✓ High 20% Scapia Coins earning rate on flight and hotel bookings via Scapia app
✓ RuPay credit card variant available with native UPI payment support

Limitations

✕ Scapia Coins can only be redeemed for flight and hotel bookings inside the Scapia app
✕ No Scapia Coins awarded on fuel, rent, wallet, utility, insurance, or international spends
✕ Unlimited lounge access requires hitting the ₹20,000 monthly spend threshold

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IDFC FIRST Millennia Credit Card

4.4/5

IDFC FIRST Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Gen-Z Online Shopping & 10X Rewards

Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining and travel spends (~1.25%); 3 points per ₹200 on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

✓ 10 Reward Points per ₹200 on dining and travel spends
✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
✓ Reward points never expire, redeemable at ₹0.25 per point
✓ Fee waiver threshold (Lifetime free credit card)

Limitations

✕ No airport lounge access, only railway lounges
✕ Base rate on other spends is a modest 3 points per ₹200
✕ Positioned below Select/Wealth in IDFC FIRST's lifetime-free tier

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IndusInd Bank Tiger Credit Card

3.0/5

IndusInd Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Spend-Based Milestone Rewards, Low Forex International Spends, and Air Mileage Redemptions

Rewards Type Reward Points

Rewards Rate

Tier-based annual spending reward structure: 1 reward point per ₹100 spent on annual spends up to ₹1 Lakh; 2 reward points per ₹100 spent on annual spends between ₹1 Lakh and ₹2.5 Lakh; 4 reward points per ₹100 spent on annual spends between ₹2.5 Lakh and ₹5 Lakh; 6 reward points per ₹100 spent on annual spends above ₹5 Lakh

Welcome Benefits

N/A

Card Details +

Key Advantages

✓ Lifetime free, with no ongoing annual fee
✓ 1.5% forex markup
✓ Reward rate climbs to a 7.2% equivalent return once you cross ₹5 lakh in annual spend
✓ Domestic and international lounge access, plus seasonal golf access
✓ Points convert to airline miles at up to a 1:1 ratio

Limitations

✕ Requires ₹5 lakh in annual spend to reach the top 6X reward point multiplier
✕ Core daily household categories such as regular monthly utility bill payments and insurance premium outlays are entirely excluded from generating points
✕ Low cash conversion reward redemption value if points are settled straight back as a standard statement balance credit

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OneCard Metal Credit Card

4.6/5

Federal Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Metal Card Experience & 5X Reward Categories

Rewards Type Reward Points

Rewards Rate

1% cashback on your top 2 auto-detected spend categories; 0.25% on other spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

✓ 1% cashback on your top 2 spend categories, auto-detected by the app
✓ 4 domestic lounge visits/quarter via Visa Signature
✓ Reward points never expire once earned
✓ Fee waiver threshold (Lifetime free metal credit card)

Limitations

✕ Base reward rate outside top categories is a low 0.25%
✕ Lounge access reporting varies by source; confirm current terms with OneCard
✕ Only 2 spend categories qualify for the 1% rate at a time

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HSBC Visa Platinum Credit Card

4.3/5

HSBC Bank

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Joining Fee Lifetime Free

Annual Fee Free

Best Suited For Lifetime Free Basic Spends & Introductory Rewards

Rewards Type Cashback

Rewards Rate

2 reward points per ₹150; 5X reward points on milestone spends

Welcome Benefits

₹500 Amazon Gift Voucher + 500 bonus reward points on card activation

Card Details +

Key Advantages

✓ Lifetime free credit card with ₹0 joining fee and ₹0 annual fee
✓ 5X reward points on spending above ₹4,000,000 milestone
✓ 1% fuel surcharge waiver across all fuel pumps
✓ Complimentary Amazon gift voucher welcome benefit

Limitations

✕ Base reward rate of 2 points per ₹150 is low
✕ No airport lounge access included
✕ Reward point redemption options limited compared to premium cards

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Jupiter Edge+ RuPay Credit Card

4.5/5

CSB Bank

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Joining Fee ₹499 + Taxes

Annual Fee ₹499 + Taxes

Best Suited For 5% Cashback on 3 Chosen Apps & RuPay UPI

Rewards Type Cashback

Rewards Rate

10% cashback on online shopping (up to ₹2,000/month, ₹600/merchant cap); 5% on online travel; 1% on other online & offline spends

Welcome Benefits

Welcome gift benefit on card activation & setup

Card Details +

Key Advantages

✓ 10% cashback on online shopping across Amazon, Flipkart, Myntra, Ajio & Nykaa
✓ 5% cashback on online travel bookings
✓ 1 domestic lounge visit/quarter on ₹90,000 prior-quarter spend
✓ Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)

Limitations

✕ Jewels redemption rate was cut from ₹2,000/10,000 to ₹1,400/10,000 in June 2026
✕ Online shopping cashback is capped at ₹2,000/month, ₹600 per merchant
✕ Only available via the Jupiter app for signup

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Top 7 Lifetime Free Credit Cards in India at a Glance

Top 7 Lifetime Free Credit Cards in India Comparison Table
Card	Fee	Rating	Best For
1. ICICI Amazon Pay Credit Card	Free	★ 4.5	Amazon Shoppers & Digital Payments	View →
2. Scapia Credit Card	Free	★ 4.7	Frequent Travelers, Zero Forex...	View →
3. IDFC FIRST Millennia Credit Card	Free	★ 4.4	Gen-Z Online Shopping & 10X Rewards	View →
4. IndusInd Bank Tiger Credit Card	Free	★ 3.0	Spend-Based Milestone Rewards,...	View →
5. OneCard Metal Credit Card	Free	★ 4.6	Metal Card Experience & 5X...	View →
6. HSBC Visa Platinum Credit Card	Free	★ 4.3	Lifetime Free Basic Spends &...	View →
7. Jupiter Edge+ RuPay Credit Card	₹499 + Taxes	★ 4.5	5% Cashback on 3 Chosen Apps & RuPay UPI	View →

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