![Best Lifetime Free Credit Cards in India [2025 Edition]](https://cardsavvyindia.com/wp-content/uploads/2025/10/Best-Lifetime-Free-Credit-Cards-in-India-2025-Edition-1024x512.jpg)
If you’re tired of paying annual or renewal fees just to keep a credit card active, a lifetime-free credit card is your best bet.
In 2025, several Indian banks offer powerful, no-fee cards that still provide cashback, reward points, and free fuel or travel benefits.
Here’s a complete guide to the best lifetime-free credit cards in India, their benefits, and how to apply.
💳 Top Lifetime Free Credit Cards in India (2025)
| Credit Card | Key Benefits | Ideal For | Annual Fee | Apply |
|---|---|---|---|---|
| ICICI Amazon Pay Credit Card | 5% back on Amazon (Prime), 3% for others, 1% elsewhere | Online shoppers | Lifetime Free | Apply Now |
| Flipkart Axis Bank Credit Card | 5% on Flipkart & Myntra, 1.5% on other spends | E-commerce users | Lifetime Free | Apply Now |
| IDFC FIRST Classic/Select Card | 1.5–2.5% rewards on all spends, 0 forex markup, airport lounge access | Frequent travellers | Lifetime Free | Apply Now |
| HSBC Cashback Credit Card | 1.5% cashback on all online spends | Daily spenders | Lifetime Free (limited offer) | Apply Now |
| IndusInd Bank Platinum Aura Edge | 0.5% rewards on every ₹150, fuel surcharge waiver | Basic users | Lifetime Free | Apply Now |
(Note: Offers subject to change. Verify current terms on the respective bank websites before applying.)
🏦 1. ICICI Amazon Pay Credit Card
- Joining & Annual Fee: ₹0 – Lifetime Free
- Cashback: 5% for Prime, 3% for non-Prime on Amazon, 1% everywhere else.
- Eligibility: Salaried or self-employed, minimum monthly income ₹25,000.
- Why it’s great: Direct cashback credited to your Amazon Pay balance every month.
🛍️ 2. Flipkart Axis Bank Credit Card
- Joining & Annual Fee: Lifetime free (by invitation or promo basis)
- Rewards: 5% on Flipkart & Myntra, 4% on preferred merchants, 1.5% everywhere else.
- Why it’s great: Excellent choice for Flipkart shoppers; simple flat rewards.
- Additional Benefits: ₹500 Flipkart voucher on activation (offer may vary).
💼 3. IDFC FIRST Classic/Select Credit Card
- Fee: Lifetime free (no joining or renewal)
- Rewards: 1.5× on offline spends, 2.5× on online; no expiry on reward points.
- Extra Perks:
- Up to 25% off movie tickets on BookMyShow
- Airport lounge access (Select variant)
- Zero forex markup
- Why it’s great: One of the most transparent “forever-free” cards in India.
💸 4. HSBC Cashback Credit Card
- Fee: Free for life for new users under ongoing promo.
- Rewards: 1.5% on online spends, 1% on others.
- USP: Cashback credited automatically each billing cycle — no redemption hassle.
- Note: Lifetime-free status applies to new users under limited offers; check HSBC site before applying.
⛽ 5. IndusInd Platinum Aura Edge Credit Card
- Fee: Lifetime free.
- Rewards: 0.5% on every ₹150 spent; points redeemable for vouchers.
- Benefits:
- 1% fuel surcharge waiver
- Complimentary insurance coverage
- Why it’s great: Reliable entry-level card with minimal requirements.
🧩 What Does “Lifetime Free” Really Mean?
- No joining or annual charges — ever.
- Some banks may require you to spend a minimum amount within 90 days to activate lifetime-free status.
- Always confirm before applying; terms vary by campaign or invite.
💡 Tips Before Applying
- Keep your CIBIL score above 700 for smooth approval.
- Apply for 2–3 cards max at a time to avoid hard inquiry spikes.
- Read the joining offer details — some “free” cards waive the first-year fee only.
- Prefer cards with direct cashback instead of confusing reward structures.
✅ Our Recommendation
If you want:
- Simple cashback: ICICI Amazon Pay
- All-rounder + travel perks: IDFC FIRST Select
- Shopping-heavy use: Flipkart Axis
All three are lifetime free and trusted by Indian users in 2025.