Top Lifetime Free Credit Cards in India [2025 Edition] – Zero Annual Fee, Full Benefits

If you’re looking for a credit card in India that offers solid benefits without the burden of annual or renewal fees, you’re not alone. In 2025, more people are opting for lifetime free credit cards—cards that come with no annual fee, no renewal fee, and decent cashback or rewards.

This guide covers the top LTF (Lifetime Free) credit cards in India for 2025, their features, eligibility, and why they’re worth considering.

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Why Choose a Lifetime Free Credit Card?

Lifetime free cards are ideal if you:

• Are new to credit cards
• Don’t want to pay annual fees
• Spend moderately
• Want basic benefits like cashback, online discounts, and fuel surcharge waivers

They help you build credit history while keeping your cost of ownership zero.

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1. ICICI Amazon Pay Credit Card

Best for: Online shoppers, Amazon Prime users

Key Features:

• 5% cashback on Amazon (Prime), 3% (non-Prime)
• 2% cashback on partner merchants
• 1% cashback on other spends
• No annual or joining fees ever
• Accepted internationally

Eligibility:

• Minimum income: ₹20,000/month
• Good credit score preferred

Why Choose: This is truly a no-cost, high-value card if you’re a frequent Amazon shopper.

Apply Now!

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2. IDFC FIRST Millennia Credit Card

Best for: Beginners & students

Key Features:

• 5% cashback on first EMI purchase
• 3X to 10X reward points on spends
• 1% fuel surcharge waiver
• Roadside assistance
• Lifetime free without any conditions

Eligibility:

• Salaried or self-employed
• Credit score of 700+

Why Choose: Perfect starter card with good rewards and no fees.

Apply Now!

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3. Axis Bank MyZone Credit Card (Limited Time LTF Offer)

Best for: Swiggy, SonyLiv, and urban users

Key Features:

• 40% off on Swiggy (capped at ₹120/month)
• SonyLiv 1-year free subscription
• 1% fuel surcharge waiver
• Usually ₹500 fee, but LTF if applied via specific links or campaigns

Eligibility:

• Monthly income ₹25,000+
• Offer-based LTF

Why Choose: With the right link, this becomes one of the best LTF lifestyle cards.

Apply Now!

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4. HSBC Cashback Credit Card (LTF for Select Customers)

Best for: Food delivery, grocery, utility payments

Key Features:

• 1.5% cashback on online spends
• 1% cashback on offline spends
• No joining fee, renewal fee waived on ₹1L annual spend (or LTF via invite)
• Contactless payments supported

Why Choose: Good LTF option if you receive a targeted offer or spend ₹1L/year.

Apply Now!

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5. AU Bank LIT Credit Card

Best for: Customizing features, flexibility

Key Features:

• Lifetime free (no joining/annual fee)
• You choose your benefits (cashback, lounge, OTT)
• Dynamic rewards based on plan selected

Why Choose: Ideal for users who want a modular credit card experience.

Apply Now!

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6. HDFC Millennia (LTF with SmartPay or NRV Relationship)

Best for: Millennials and frequent online shoppers

Key Features:

• 5% cashback on Amazon, Flipkart, Swiggy
• 1% on other online spends
• ₹1,000 annual fee but LTF via SmartPay registration or HDFC salary account

Why Choose: When made LTF, this becomes a powerful all-rounder card.

Apply Now!

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Quick Comparison Table

Credit Card	Cashback/Rewards	Annual Fee	Best For
ICICI Amazon Pay	5% Amazon Cashback	₹0	Amazon shoppers
IDFC FIRST Millennia	3X–10X Rewards	₹0	Beginners
Axis MyZone	40% Swiggy + SonyLiv	₹0 (Offer)	Food & OTT benefits
HSBC Cashback	1.5% Online Cashback	₹0 (Offer)	Daily online spends
AU Bank LIT	Custom rewards	₹0	Personalization
HDFC Millennia (LTF)	5% Cashback	₹0 (Offer)	E-commerce

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Final Thoughts

If you want to enter the credit card world without the stress of fees, these lifetime free credit cards are your best bet in 2025. Many of them offer premium-like benefits if you know where to apply from and how to use them smartly.

Tip: Check CardMela.com for the latest LTF card application links, offer-based eligibility, and smart comparisons.

Coming Soon to CardMela: HSBC Live+ Cashback Card, HDFC Freedom, and more!