Lifetime Free Credit Cards – Zero Fees, Maximum Value
Enjoy Smart Benefits Without Paying a Rupee in Annual Charges
Why pay annual fees when you can get all the perks for free? Whether you’re a first-time cardholder, a smart spender, or someone looking for a no-maintenance backup card — CardMela.com brings you a handpicked list of Lifetime Free Credit Cards that offer real rewards with zero hidden charges. These cards don’t just waive your first-year fee — they offer permanent zero annual fees, making them ideal for anyone looking for long-term value without the cost.
Explore top picks like the AU Bank Instapay, ICICI Amazon Pay, HSBC Visa Platinum, Federal Bank Scapia, and AU Bank Xcite Series — each offering distinct advantages for different lifestyles.
These cards also come with added benefits like: cashback or reward points on daily purchases — including UPI, groceries, and online shopping; airport or railway lounge access with no annual fee burden; fuel surcharge waivers and exclusive brand discounts; 100% digital onboarding with UPI & contactless compatibility; hassle-free eligibility for salaried, self-employed, and students in select cases.
Ready to save more while spending smart? Use our comparison tool to explore features, eligibility, and apply for your favourite Lifetime Free Credit Card today — only on CardMela.com.
AU Bank Lit Credit Card
★★★★☆ (4/5)
*Best for users who want full control over their card benefits
Benefits:
Customize benefits as per your needs
Up to 5% Cashback on selected categories
Choose from Lounge Access, Fuel Waiver, OTT Subscriptions
Real-time benefit switching via AU 0101 App
₹49/month feature pack (only when used)
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
Zero Joining Fee, ₹49/month if feature pack activated, No hidden charges
AU Bank Altura Credit Card
★★★★☆ (4/5)
Best for cashback seekers and occasional travelers
Benefits:
5% Cashback on all spends (up to ₹3,000 per month)
₹1,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500 per month
Complimentary Airport Lounge Access (2 visits per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹20,000/month income
Recommended Credit Score 700+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee approx ₹500
AU Bank Altura + Credit Card
★★★★☆ (4.5/5)
Ideal for frequent travelers and premium lifestyle users
Benefits:
2% Cashback on all spends (up to ₹5,000/month)
₹2,000 Welcome Cashback on first transaction
Fuel Surcharge Waiver up to ₹500/month
Complimentary Airport Lounge Access (4 per year)
Dining & Entertainment Discounts
No Joining Fee & No Annual Fee
Eligibility:
Minimum ₹30,000/month income
Recommended Credit Score 750+
Fees:
No Joining Fee, No Annual Fee
Late Payment Fee ₹500 approx
AU Bank Instapay Credit Card
★★★★☆ (4.5/5)
Ideal for digital payment enthusiasts and frequent UPI users
Benefits:
1% Cashback on UPI transactions (maximum ₹100 per billing cycle)
1% Fuel Surcharge Waiver on transactions ₹400–₹5,000 (maximum ₹100 per billing cycle)
Lifetime Free Card (No Joining Fee, No Annual Fee)
Contactless & Secure Payments
Instant UPI Payments through linked UPI apps
Easy linking with Google Pay, PhonePe, and Paytm
Eligibility:
Age 18-70 years, Minimum ₹1,00,000 annual income, Credit Score 750+, India resident, existing AU Bank customers
Fees:
No Joining or Annual Fee, Late Payment Fee ₹150–₹1,000 based on balance
AU Bank Xcite Ace Credit Card
★★★★☆ (4/5)
Ideal for moderate spenders seeking cashback and lifestyle perks
Benefits:
3% Cashback above ₹20,000 spends/month (max ₹750)
4 complimentary lounge visits (domestic airports & railways) quarterly
Fuel surcharge waiver ₹400–₹5,000 (max ₹200/month)
1-year device protection and up to 30% dining discount
Eligibility:
₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,000
AU Bank Xcite Ultra Credit Card
★★★★☆ (4.5/5)
Ideal for high spenders seeking maximum rewards and travel benefits
Benefits:
Up to 3% rewards on international spends (12 RP/₹100)
2 complimentary domestic airport lounge visits per quarter
2 complimentary railway lounge visits per quarter
1% fuel surcharge waiver on transactions ₹400–₹5,000 (max ₹200/month)
500 bonus RP on ₹5,000+ retail spends between 1st–5th of month
5,000 bonus RP on ₹2.5L annual retail spend
Eligibility:
Minimum ₹25,000/month income, Credit Score 750+, Existing AU Bank customers
Fees:
Lifetime Free (No Joining or Annual Fee), Late Fee ₹150–₹1,300 based on outstanding balance
ICICI Bank Student Forex Prepaid Credit Card
★★★★☆ (4.5/5)
Ideal for students studying abroad
Benefits:
Joining benefits ₹5,000 including 1 Indian International lounge access
Free Uber voucher ₹500
1 monthly ATM fee waiver
Free replacement card
ISIC membership worth ₹999
Card Protection Plus insurance ₹1,600
Lost card liability coverage up to ₹5,00,000
Eligibility:
Valid passport required
A2 Form and PAN card necessary
Fees:
Joining fee Nil
Annual fee Nil
ICICI Bank Platinum Corporate Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
1% fuel surcharge waiver at all petrol pumps
Up to 50 days interest-free credit
Dedicated relationship manager
Advanced spend tracking and ERP integration
Choice of liability options and consolidated billing
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
ICICI Bank Visa Corporate Credit Card
★★★★☆ (4.3/5)
Best for corporate expense management with travel perks
Benefits:
Up to 50 days interest-free credit
1% fuel surcharge waiver
2 complimentary domestic lounge accesses per quarter
2 complimentary international lounge accesses per year
Cash rebate program for organizations
ERP integration and consolidated billing
Dedicated relationship manager
Eligibility:
Corporate employees or authorized signatories
Subject to company’s internal approval process
Fees:
Joining fee Nil
Annual fee ₹999 + GST
ICICI Bank Amazon Pay Credit Card
★★★★☆ (4.5/5)
Ideal for frequent Amazon shoppers and users of Amazon Pay services
Benefits:
5% cashback on Amazon.in for Prime members
3% cashback on Amazon.in for non-Prime members
2% cashback on 100+ Amazon Pay partner merchants
1% cashback on all other spends
No limit or expiry on cashback
No joining or annual fee
1% fuel surcharge waiver
Earnings credited as Amazon Pay balance
Eligibility:
Invite-only for eligible ICICI Bank customers
Fees:
Joining fee: ₹0
Annual fee: ₹0
YES Bank POP Club Credit Card
★★★★☆ (4.5/5)
Best for young shoppers and frequent UPI users
Benefits:
Earn 10 POPcoins per ₹100 online spends
2 POPcoins per ₹100 offline spends
5% extra POPcoins on UPI via POP app
Welcome gifts: 500 POPcoins, Zomato Gold, PharmEasy Plus, Cleartrip ₹750 voucher, Cult Sport ₹500 voucher, 24 free Rapido rides
1% fuel surcharge waiver and travel discounts
Eligibility:
Age 21–60 years, salaried or self-employed
Minimum monthly income ₹25,000 or annual ITR ₹5 lakh
Fees:
Joining fee ₹0
Annual fee ₹399 (waived on ₹1.5 lakh spends)
RBL Bank Shoprite Credit Card
★★★★☆ (4.2/5)
Best for regular Shoprite shoppers wanting cashback and discounts
Benefits:
5% cashback on shopping at Shoprite stores
10% discount on dining and entertainment
1% fuel surcharge waiver
Exclusive access to sales and offers
Contactless payment enabled
Eligibility:
Indian resident aged 21-60
Minimum annual income ₹3 lakhs
Fees:
Joining fee ₹499
Annual fee ₹499 waived on spending ₹50,000/year
SBI Simply Click Credit Card
★★★★☆ (4.3/5)
Best for online shoppers seeking accelerated rewards on digital spends
Benefits:
10X Reward Points on online spends at partner merchants (Amazon, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Yatra, Apollo 24/7)
5X Reward Points on other online spends
1X Reward Point per ₹100 on offline spends
₹500 Amazon gift voucher on payment of joining fee
Cleartrip e-vouchers worth ₹2,000 on annual online spends of ₹1L and ₹2L
1% fuel surcharge waiver on transactions between ₹500–₹3,000 (max ₹100/month)
Eligibility
Minimum ₹20,000/month income, Credit Score 700+
Fees
₹499 Joining & Annual Fee (waived on ₹1L spend/year), Late Fee ₹100–₹1,300
HSBC Bank Visa Platinum Credit Card
★★★★☆ (4.1/5)
Best for no-fee rewards & salaried pros
Benefits:
No joining/annual fee
2 points per ₹150 spent
5X points on spends > ₹4L/year (max 15,000 bonus)
Points transferable to air miles/hotel points
₹500 Amazon voucher on ₹5,000 spend
Fuel surcharge waiver ₹3,000/year
Up to 3.5% forex cashback (limited time)
Eligibility:
Age 18–65
Salaried with ₹4L+ annual income
Residents of major metros only
Fees:
No joining/annual fee
3.49% monthly interest
₹100–₹1,300 late fee
Federal Bank Scapia Credit Card
★★★★☆ (4/5)
*Best for frequent online & international spenders
Benefits:
Unlimited 2% Rewards on all spends
Zero Forex Markup
Complimentary Airport Lounge Access
No Joining or Annual Fee
Instant Card Issuance via App
Eligibility:
₹20,000/month income, Credit Score 700+
Fees:
No Annual Fee, No Joining Fee, ₹0 Forex Markup
Tata Neu HDFC Credit Card
★★★★★ (5/5)
Best for Tata brand loyalists seeking high rewards
Benefits:
5% NeuCoins on Tata Neu & partner brands
1.5% NeuCoins on non-Tata spends & UPI
1% fuel surcharge waiver
Domestic lounge access: 2 per quarter
Priority Pass for international lounges
Contactless payments enabled
Welcome benefit: 1,499 NeuCoins on first transaction
Renewal fee waiver on ₹3L annual spend
Eligibility
Salaried: 21–60 years, ₹25,000/month income
Self-employed: 21–65 years, ₹6L annual income
Indian resident, KYC compliant
Fees
Joining fee: ₹0 (First Year Free)
Annual fee: ₹1,499 + GST (waived on ₹3L annual spend)
Foreign currency markup: 2%
Tata Neu HDFC Plus Credit Card
★★★★☆ (4.5/5)
Best for Tata brand fans wanting high rewards
Benefits:
2% NeuCoins on Tata Neu & partner brands (non-EMI spends)
1% NeuCoins on non-Tata brand spends & EMI transactions
1% NeuCoins on UPI spends via RuPay (max ₹500/month)
Additional 5% NeuCoins on Tata Neu App/Website with NeuPass
Welcome benefit: 499 NeuCoins on first transaction within 30 days
4 complimentary domestic lounge visits per year (1 per quarter)
1% fuel surcharge waiver (up to ₹250/month)
Eligibility
Salaried 21–60 years with ₹25,000+ monthly income
Self-employed 21–65 years with ₹6 lakh+ annual income
Fees
Joining fee ₹499 + GST
Annual fee ₹499 + GST waived on ₹1 lakh annual spend
Most Applied. Most Trusted. 100% Lifetime Free.
Wondering which zero-fee card to pick? Start with the ones users apply for the most — and keep for years.
This page features the most popular Lifetime Free Credit Cards chosen by CardMela users — handpicked for their reward value, seamless approval, and freedom from annual charges. Whether it’s cashback, lounge access, UPI rewards, or just the peace of never paying a yearly fee — these cards are the go-to picks for budget-smart users.
Why These Are Favourites
Real Rewards with Zero Fees
Enjoy cashback, reward points, and digital features — without worrying about hidden costs.
High Approval Rates
Lifetime Free Cards often come with easier eligibility and faster approval for salaried and self-employed users.
Everyday Utility
From UPI payments to online shopping and fuel surcharge waivers, these cards are built for daily use.
No Fee Surprise, Ever
What you see is what you get. No first-year gimmicks, no conditional waivers — truly lifetime free.
Who Picks These?
Young professionals starting their credit journey
Experienced users wanting a zero-maintenance backup card
UPI users seeking rewards on digital payments
Students and travelers looking for free lounge access
Value-conscious families looking to save on daily spending
Explore India’s Most Loved Lifetime Free Credit Cards Today
Compare the best no-fee cards side-by-side. Check rewards, benefits, eligibility, and apply directly — no fine print, no extra charges.
Smart choice starts here.
Go zero-fee. Go full value. Apply in minutes. Only on CardMela.com.