Best Lifetime Free Credit Cards India 2025 [No Annual Fee]

Pravesh Soni

Publish on : 22 July 2025

Choosing the right credit card without paying yearly charges can be tricky. That’s why we’ve listed the Best Lifetime Free Credit Cards in India 2025 that come with zero annual or renewal fees. These cards offer a variety of benefits including reward points, cashback offers, travel discounts, and fuel surcharge waivers—without any hidden charges. Whether you’re a student, salaried professional, or first-time credit card user, these no-annual-fee credit cards are perfect for smart financial management. Compare features and apply easily online.

What are Lifetime Free Credit Cards?

Lifetime Free (LTF) credit cards are perfect for everyone. Unlike other credit cards, LTF cards come with no joining or annual fees, allowing you to enjoy rewards and benefits without the worry of charges based on your spending. There’s no limit to the number of LTF credit cards you can own, so you can collect multiple cards and use them exclusively for the offers they provide.

Kiwi RuPay Credit Card

Kiwi is a new fintech start-up that offers a virtual RuPay credit card in partnership with Yes Bank. If you don’t already have a Yes Bank credit card, this can be a great option. One of the biggest benefits of Kiwi is its real cashback system, where users can earn between 1% to 5% cashback. Higher cashback of 2% to 5% is available through the Neon subscription, provided you meet the target spending requirements. This makes Kiwi a rewarding choice for those looking for a digital-first RuPay credit card with real cashback benefits.

Type: Cashback
Reward Rate on UPI spends: 1% to 5%
Reward Rate on other spends: Not Applicable
Cap on UPI Rewards: None
Complimentary Airport Lounge Access: Yes with Neon subscription

Tata Neu Infinity HDFC Bank Credit Card (Targeted LTF Offer)

HDFC Bank frequently provides targeted Lifetime Free (LTF) offers for the Neu Infinity Credit Card on the Tata Neu app. This card is an excellent option for RuPay UPI transactions and purchases at Tata Neu partner brands. A key highlight is its complimentary domestic and international airport lounge access with no minimum spend requirement.

Type: Cashback as NeuCoins
Reward Rate: 5% on bill payments and Tata Neu spends, 1.5% on UPI spends
Best Use: 1.5% on UPI spends, 5% NeuCoins on bill payments and Tata Neu partner brand spends
Domestic Airport Lounge Access: 2 complimentary visits/quarter
International Airport Lounge Access: 1 complimentary visit/quarter

Axis Bank My Zone Credit Card

The Axis Bank My Zone Credit Card is once again available as a Lifetime Free (LTF) card under a limited-time offer. It provides discounts on Swiggy for food orders and includes a Buy One Get One (BOGO) offer on the District app by Eternal for entertainment and experiences.

Type: Rewards
Reward Rate: 0.1%
Best Use: Discount offers on Swiggy, District and AJIO
Domestic Airport Lounge Access: 1 complimentary visit/quarter

Axis Bank Neo Credit Card (Available on RuPay)

Axis Bank is offering a Lifetime Free (LTF) deal on its Neo credit card. This entry-level card may have a lower reward rate, but it provides valuable discount offers with partner merchants like Zomato and Amazon Pay, making it a great option for those looking to save on everyday purchases.

Type: Rewards
Reward Rate: 0.1%
Best Use: Discount offers on Zomato, Paytm, Blinkit, Merchant offers during online sales
Airport Lounge Access: Not Available

BoB Premier RuPay Credit Card

The BoB Premier RuPay credit card is once again available as a Lifetime Free (LTF) card. It offers access to exclusive merchant deals from Bank of Baroda, as well as occasional RuPay JCB offers. Additionally, the card provides a competitive reward rate of 2.5% on international transactions, making it a solid choice for frequent travelers.

Type: Rewards
Reward Rate: 0.5% – 2.5%
Best Use: BoB merchant offers, RuPay JCB Offers
Domestic Airport Lounge Access: 1 complimentary visits/quarter
International Airport Lounge Access: 1 complimentary visit/quarter

ICICI Bank Platinum Credit Card

No list of LTF credit cards is complete without the highly versatile ICICI Bank Platinum credit card. Known as the Swiss Army knife of LTF credit cards, it offers a range of benefits, both online and offline. Whether it’s a 10% instant discount or no-cost EMI, ICICI Bank is often a go-to partner for such offers. Don’t miss out—apply for the ICICI Bank Platinum credit card today!

IDFC First Bank Credit Cards

IDFC First Bank offers some of the best lifetime free credit cards available today. All four variants – Millennia, Select, Classic, and Wealth are LTF and come with attractive rewards. Additionally, they provide complimentary railway and airport lounge access, along with roadside assistance and several other valuable benefits, making them a great choice for a wide range of cardholders.