When you think about owning a credit card, one of the first things that might come to mind is – “How much will it cost me every year?” Annual fees can feel like an unnecessary burden, especially if you’re not using your card frequently. That’s where lifetime free credit cards come in — offering the convenience of credit with no annual fee, ever.
Whether you’re a student, a salaried professional, or someone just starting their credit journey, a free credit card can be a smart financial choice. Let’s dive into what makes them so attractive and which ones to consider in 2025.
The Indian credit card market has seen a significant shift — many top banks and fintechs are now offering credit cards with no annual fee, making it easier than ever to build credit without worrying about hidden charges.
Here are some of the best lifetime free credit card options you can explore this year:
Here’s a quick comparison to help you choose:
| Credit Card | Key Benefits | Joining/Annual Fee |
| IDFC FIRST Select | Cashback, fuel waiver, travel deals | ₹0 / ₹0 |
| Amazon Pay ICICI | 5% cashback on Amazon (Prime), No joining fee | ₹0 / ₹0 |
| HDFC Freedom Credit Card | Grocery rewards, dining offers | ₹0* / ₹0* |
| HSBC Smart Value | Reward points, dining discounts | ₹0 / ₹0 |
| ICICI Platinum Chip | Fuel surcharge waiver, EMI options | ₹0 / ₹0 |
| AU Bank LIT Credit Card | Customizable benefits, no hidden charges | ₹0 / ₹0 |
| Axis MyZone | Lifestyle rewards, weekend movie discounts | ₹0* / ₹0* |
*Some cards are offered as lifetime free during special campaigns or to select customers.
A lifetime free credit card doesn’t just save you money on fees — it still offers plenty of features:
These free credit card online options make sense for anyone who wants value without the recurring costs.
Apart from the big banks, many smaller financial institutions and NBFCs are entering the credit card space with free credit card apply offers. Here are a few more you can explore:
Yes, many banks and fintech companies offer lifetime free credit cards such as the Amazon Pay ICICI, IDFC FIRST, and ICICI Platinum Chip cards. These come with zero joining and annual fees.
Generally, yes. If it’s labeled “lifetime free,” there are no annual or renewal charges. However, always check for terms and conditions, as some cards may require a minimum spend to stay free.
The best lifetime free credit card depends on your lifestyle. For online shopping, Amazon Pay ICICI is great. For general use, IDFC FIRST Select is solid. Compare features before you choose.
HDFC does offer credit cards with no annual fee during promotions or to specific customer profiles. Cards like HDFC Freedom and MoneyBack are sometimes offered as lifetime free.
If you’re tired of paying just to own a credit card, it’s time to switch. With so many free credit card options available, you can get all the perks—rewards, discounts, and convenience—without burning a hole in your pocket.
When exploring free credit card apply online offers, always check the fine print, and ensure there are no hidden charges. Whether you’re looking for travel rewards, cashback, or just a simple no-frills card, there’s a lifetime free credit card waiting for you.
Disclaimer : Investments in debt securities/ municipal debt securities/ securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully.
