Barcelona vs Daegu 5-0: How Football Fans in India Can Earn Rewards Like Gavi Scores Goals

Updated August 4, 2025 | By CardMela.com

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Q: Why choose a lifetime‑free (LTF) credit card?

A: For 2025, LTF credit cards offer zero joining or renewal fees, simple reward structures, and solid benefits—they’re ideal for first-time users, online shoppers, and value-conscious consumers. With increasing digital spending, even zero‑fee cards can offer ₹1,500–₹5,000 in annual value when used well.

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Section 1: What Makes a Card Truly Lifetime‑Free in 2025

• No joining fee
• No annual membership fee
• No hidden renewal cost
• Earn cashback, reward points, lounge access depending on card type
• Key categories: Amazon shopping, food, travel, utility bill payments

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Section 2: Top‑Rated Lifetime‑Free Cards in India 2025 (Ranked)

1. Amazon Pay ICICI Bank Credit Card Apply Now!

• Joining/Renewal Fee: ₹0
• Prime Members: 5% cashback on Amazon, Non‑Prime: 3%
• 2% cashback on Amazon Pay merchants (Swiggy, BMS, etc)
• 1% cashback on all other spends
• Fuel surcharge waiver, unlimited cashback auto‑credit
• Ideal for: Frequent Amazon users and digital shoppers
• Affiliate Amazon Product:
  Buy Amazon Echo Dot on Amazon (5% cashback)

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2. Axis Bank MY Zone / Fibe RuPay / Neo (LTF variants) Apply Now!

• Joining/Renewal Fee: ₹0 Brains+1Reddit+2blog.moneyyogya.in+2Reddit+2
• Cashback: 3% on food, travel & OTT (up to ₹1,500/month), 1% general
• 4 domestic lounge visits (conditional) depending on spends
• Discount on Myntra, Blinkit, BookMyShow, etc.
• Ideal for: Foodies and streaming users
• Amazon affiliate product:
  Buy Blinkit Coupons on Amazon

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3. IDFC FIRST Bank Millennia Credit Card Apply Now!

• Fee: ₹0 forever
• 3X–10X reward points on online/U PI spends
• 4 railway lounge + 2 airport lounge visits per quarter
• Fuel surcharge waiver up to ₹200/month
• Welcome voucher + cashback on EMI spends
• Great for travel + high‑online users
• Amazon affiliate:
  Buy Kindle Paperwhite on Amazon

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4. Federal Bank Scapia Credit Card Apply Now!

• Fee: ₹0 lifetime
• 20% Scapia coins on travel through app; 10% coins on general spends
• Zero forex markup fee; unlimited domestic lounge on ₹10K/month spend
• Great for travel and global users

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5. ICICI Bank Platinum Chip Credit Card (LTF) Apply Now!

• Fee: ₹0
• 2 PAYBACK points per ₹100 retail spend
• Fuel surcharge waiver up to ₹4,000/year, dining offers via Culinary Treats
• Simple, secure starter card for building credit

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6. HSBC Visa Platinum Credit Card Apply Now!

• Fee: ₹0 lifetime C
• 2 points per ₹150; 5X after ₹4L/year capped at 15,000
• Fuel waiver, dining discounts, welcome cashback + Amazon e‑voucher

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Section 3: Use Cases & Amazon Shopping Hacks

Use Case: Amazon Prime Day 2025

• With Amazon Pay ICICI Card, Prime users get 5% unlimited cashback. Combine it with Prime Day deals from July 12–14, 2025 for double-dip savings. Techykushal » Techykushal+1CreditMantri+1Trade Brains+2CreditMantri+2Paisabazaar+2Reddit+12Reddit+12The Economic Times+12
• Example purchase: Use Axis Neo or Amazon Pay ICICI on the same order to earn statement credit.

Use Case: Weekend OTT + Food + Shopping Stack

• Amazon Prime TV subscription (coupon) charged to Axis Neo
• Dinner via Swiggy using Axis MY Zone
• Amazon order with Amazon Pay ICICI
• Stream with SonyLIV on Neo’s cashback feature

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Section 4: Comparison Table

Card Name	Joining Fee	Cashback/Rewards	Special Benefits
Amazon Pay ICICI	₹0	5% on Amazon, 2% A‑Pay merchants, 1% general	Fuel waiver, unlimited cashback
Axis MY Zone / Neo	₹0	3% on OTT, food, travel; 1% general	Partner discounts, lounge visits on spend
IDFC Millennia	₹0	3X–10X on UPI & online, 1% general	Lounge access, travel discounts & welcome bonuses
Federal Scapia	₹0	10–20% Scapia coins	Travel booking priority, zero forex markup
ICICI Platinum Chip	₹0	2 points per ₹100 retail	Fuel waiver, PAYBACK ecosystem
HSBC Platinum	₹0	2‑5X points on large spends	Movie + dining benefits, Amazon voucher

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Section 5: Common Mistakes to Avoid

• Using UPI/debit cards for Amazon purchases (miss cashback)
• Not activating welcome offers (like vouchers)
• Ignoring reward cap limits—track monthly breakdown
• Not checking forex fees if you shop internationally

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Section 6: Real Community Advice (Reddit Insights)

“IDFC Milennia is one of the best LTF cards—1:1 FD limit, zero forex, rewards don’t expire.” CreditMantri

“ICICI Rubyx shows as zero fee → but some users caution bank practices.” Reddit

“SBI SimplySAVE Rupay works as LTF for Amazon sale usage.” Reddit

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Section 7: How to Stack Amazon Affiliate + Card Rewards

1. Apply via CardMela affiliate links for cards like Amazon Pay ICICI → receive welcome voucher
2. Wait for Amazon Prime Day or Great Freedom Festival Reddit+1Trade Brains+1
3. Buy smart—Amazon branded Echo/Wifi Routers via CardMela affiliate → earn Amazon cashback + card cashback
4. Combine utility bill autopay, OTT subscriptions, and merch buys to hit monthly cashback caps

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Section 8: Final Verdict

If you’re looking to avoid annual fees without compromising on value in 2025, here’s your ideal setup:

• Amazon_best_card = Amazon Pay ICICI
• Food & OTT + daily utility = Axis Neo / MY Zone
• Travel + lounge access = IDFC Millennia or Federal Scapia
• Credit building = ICICI Platinum Chip or HSBC Platinum

All cards are listed on CardMela.com for easy comparison & Apply Now CTAs.

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External References:

• Amazon Prime Day offers
• Bank-backed descriptions Integrity: HSBC, ICICI listings MoneycontrolTrade Brains
• Reddit user opinions on card selection reliability RedditRedditReddit

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Internal Linking Suggestions:

• Link to Best Cashback Cards in India – 2025
• Link to Axis Ace Card Review [2025 Edition]
• Link to Credit Cards for First-Time Users in India

Author Bio:

Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.