10 Best Lifetime Free Credit Card in India 2021

By | August 3, 2021

Lifetime Free Credit Card is Simply a NO FFEE, WITHOUT any Joining and Annual Fees credit card. Lifetime Free Credit Card is normally issued as an Entry-Level credit card and targeted to mass.

#1.ICICI Amazon Pay Credit Card

Amazon Pay ICICI Bank credit card
Amazon Pay ICICI Bank credit card

ICICI Amazon Pay Credit Card is Co-branded credit issued by ICICI Bank in partnership with Amazon Pay. This is a lifetime free credit card with no joining fees or renewal fees and an Amazing 5% saving on Amazon spending for prime member customers.

Best feature: Cashback on Amazon Shopping.

MCCB Rating

*****

Eligibility Criteria

  • Good CIBIl Score
  • Prior Shopping in Amazon
  • Stable Monthly Income

Annual Fee and APR

  • No Annual
  • No Joining Fees
  • 40% APR

HIGHLIGHTS

  • 5% Cashback Back: Spends on Amazon for Amazon Prime members.
  • 3% Cashback Back: Spends on Amazon for non-prime members.
  • 2% Cashback back: 100+ Amazon Pay partner merchants by using this card on Amazon Pay 
  • 1% Cashback: All other payments
  • No expiry date for your earnings
  • All rewards will be posted as Amazon Pay balance.

Why We Picked It

Offering a rare 5% cashback on for Amazon Prime Customers on Amazon Shopping, Clean and easy to avail cashback systems. This credit card is a dream for Amazon Shoppres – while charging a No joining and annual fee.

Pros & Cons

  • Amazing 5% cashback
  • No Limit of cashback
  • Easy to use
  • Direct cashback No need to redeem
  • No rewards for purchasing gold and EMI transactions
  • Amazon Prime membership of 5% cashback (Rs.999 Annually)

You Can read the full Detailed review about ICICI Amazon Pay Credit Card here.

#2. IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card is a credit card launched by IDFC Bank. . This is a Lifetime Free Credit Card with a 2.5% rewards rate above Rs.20k Transaction. This Credit card promises the break the Fees and charge structures with the lowest APR charges.

Best feature: 2.5% rewards points If you spend Rs.20K or above in a single transaction.

MCCB Rating

****

Eligibility Criteria

  • No defined eligibility
  • Net Salary of Rs.25,000 per month
  • IDFC Bank Serviceable area.

Annual Fees and APR

  • No Annual Fees
  • No Joining Fees
  • APR: 0.75% to 2.99% per month

HIGHLIGHTS

  • No Joining and Annual fees
  • NIL Reward redemption fees
  • Low-Interest Rate (9%)
  • No Expiry of reward points
  • 4 complimentary Railway lounge visits every quarter
  • Up to 2.5% rewards rate

Why We Picked It

IDFC FIRST Millennia Credit Card offers a generous rewards rate of 2%, of a single transaction, is more than Rs.20,000. Like an amazon Credit card. you do need to spends only one Amazon for getting accelerated rewards. The APR charges are also very low among all credit cards.

Pros & Cons

  • Nil issues and Renew Charges
  • NIL Over-limit fees
  • NIL Reward redemption fees
  • Low-Interest Rate (9%)
  • 2.5 Rewards Rate on above Rs.20k Transaction.
  • No Airport Lounge Access
  • No Welcome Benefits

Read the detailed review about IDFC FIRST Millennia Credit Card here.

#2. IDFC OneCard (Metal)

OneCard
OneCard

OneCard is a Free Metal Credit Card in India issued by FPL Technologies and IDFC Bank. FPL Technologies is a fast-growing fintech startup based in Pune. OneCard – a new generation of credit built with full-stack tech & backed by the principles of simplicity, transparency, and giving back control to the user. This credit card also comes with NO Joining and Annual Fees.

Best feature: Easy Application and Approval

MCCB Rating

***

Eligibility Criteria

  • Stable Income
  • Prior Experience of Credit card
  • Age More than 18 years

Annual Fees and APR

  • Nil Annual Fees
  • Nil Joining Fees
  • Lowest Foreign Mark Up 1%

HIGHLIGHTS

  • Regular Rewards- 1 RP/ Rs.50
  • 5X Points on Top 2 Categories
  • Out of all spends category, you can get 5X rewards on Top 2 categories
  • ·Rewards rate is almost up to 2.5%
  • Forex Markup Fee: 1% (+GST)
  • Interest-free period – 48 days
  • Points are issued instantly
  • Zero Rewards Redemption Fee
  • Points Never Expire

Why We Picked It

The look and design of credit card are very good. Easy application and instant approval makes this credit out of box., even no CIBIL endears are requited for this credit card.

Pros & Cons

  • Points are issued instantly
  • Zero Rewards Redemption Fee
  • Points Never Expire
  • Low Reward rate

You read the detailed review about this credit card here.

#4. HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card is NO Annual fees Credit Card, issued for mass Millennium.  If you frequently swipe your credit card for traveling, dining, and online shopping purposes, then this credit card is made for you.

Best feature: 5X rewards on subsequent purchases after crossing a cap limit of INR 4,00,000 per year

MCCB Rating

****

Eligibility Criteria

  • Age – 18 years to 65 years
  • Minimum Annual Income Rs.4,00,000
  • Resident Indian
  • Employment – Salaried individuals only

Annual Fees and APR

  • Nil Annual fees
  • Nil joining Fees

HIGHLIGHTS

  • Nil joining and annual fees
  • Introductory benefits of up to Rs. 2,500
  • Air miles conversion on Inter-Miles, British Airways, and Singapore Airlines
  • 5-times (5X) rewards on subsequent purchases made after crossing spend the amount of Rs.400,000 with a max 15,000 accelerated reward points in an anniversary year.
  • Up to 15% dining off at over 1000 restaurants operating in major Indian cities
  • Fuel surcharge waiver across any fuel pump in the country for values between Rs. 400-Rs. 4000

Why We Picked It

There are various reasons for picking HSBC Visa Platinum Credit Card, Despite being a NO Annual Fees Credit card, this card comes with Good Welcome Benefits, complimentary airport lounge access at domestic and International lounges, or 3 meal-vouchers. Other than this, BT rates are the lowest for all banks operated in India.

Pros & Cons

  • NO Annual & Joining Fees
  • Welcome Benefits Rs.2500
  • complimentary airport lounge access
  • 3X Rewards on Dining, Hotels, and Telecom for the first 12 months 
  • BookMyShow voucher worth Rs.500
  • Difficult Redemption Options

HSBC Visa Platinum Credit Card is available only for the residents of Mumbai, New Delhi, Chennai, Pune, Noida, Hyderabad, and Gurgaon aged between 18 and 65.

#5.  Kotak Fortune Gold Card 

Kotak Fortune Gold Card
Kotak Fortune Gold Card

Kotak’s Fortune Gold Credit Card is a zero annual fee credit card that comes with an interest-free cash withdrawal. The Rewards and Benefits of this credit have been structured in such a way that the Indian entrepreneurial community can maximize the benefits.  This credit is only made for businessmen only.

Best feature: Cash withdrawal permitted up to 50% of the Credit Limit

MCCB Rating

***

Eligibility Criteria

  • Your Age should be between 21 to 65 years.
  • Income – Rs.3 Lakhs and above per annum.
  • For businessmen only.
  • Should be a resident of India.

Annual Fees and APR

  • No Annual fees
  • No Joining Fees
  • NO Interest on cash withdrawal

HIGHLIGHTS

  • Interest-Free Cash up to 50% of Credit Limit
  • Fuel Surcharge Waiver
  • Railway Surcharge Waiver
  • 4 Free PVR Tickets (applicable for 3 months) or INR 750 Cashback on spending INR 1,50,000 per year
  • Claim Insurance of Rs.50,000 on account of theft,
  • Outstation Cheque Processing Fee, Charge Slip Request, Machine Surcharge at ATMs – All Waived.

Why We Picked It

Kotak’s Fortune Gold Credit Card is made only for Businessmen, You can easily withdraw cash from ATM without incuring any charges. along with this, you can also enjoy  4 free PVR tickets OR a Cash back of Rs.750.

Pros & Cons

  • No Annual Fees
  • No Joining Fees
  • Railway Surcharge Waiver
  • Available only to Businessmen

Kotak’s Fortune Gold Credit Card is made for professionals operating from Mumbai, New Delhi, Chennai, Pune, Noida, Hyderabad, Gurgaon, and Kolkata, and earning a minimum income of Rs.3,00,000.

#6.  Bank of Baroda Prime Credit

Bank of Baroda Prime Credit
Bank of Baroda Prime Credit

Bank of Baroda Prime Credit is issued by the Bank of Baroda. Bank of Baroda (BOB) is an Indian multinational, public sector banking and financial services company. It is the third-largest public sector bank in India. This Secured credit card issued against Fixed Deposit.

Best feature: 1% Cashback on all Spends

MCCB Rating

***

Eligibility Criteria

  • Fixed Deposit of at least Rs.15,000
  • Age Between 18 to 65 years

Annual Fees and APR

  • No Annual and Joining Fees

HIGHLIGHTS

  • 1% Cashback on all Spends
  • Zero first year and annual fees its life Time Free Credit card
  • Zero liability on the lost card if the report of loss of credit card

Why We Picked It

Bank of Baroda Prime Credit is Guaranteed issued against FD of 15,000 or more without any income proof. Even Beginner can this credit card against a Minimum Fixed Deposit of Rs.15,000. Even if you have no credit history or 0 CIBIL Score, then you can apply for this credit card without any income proof.

Pros & Cons

  • No Joining Fees
  • No Annual fees
  • Application approved is guaranteed.
  • Required at least Rs.15K Fixed Deposit.

Read the detailed review about Bank of Baroda Prime Credit here.

#7. Kotak 811 DreamDifferent Credit Card

811 DreamDifferent Credit Card
811 DreamDifferent Credit Card

Kotak Bank Launches 811 DreamDifferent Credit Card with NO Joining & Annual Fees with High credit limit up to INR 12,00,00/- and back by Backed by a fixed deposit for as low as INR 15,000, this lifetime free credit card is especially for customers who have no credit history or do not have any other income.

Best feature: 500 bonus reward points on – Activation + Rs. 5000/- spends in the first 45 days of card set up

MCCB Rating

***

Eligibility Criteria

  • Minimum Fixed/Term Deposit Amount should be – INR 15,000/-
  • Only Individual TDs are allowed
  • You should be resident of India

Annual Fees and APR

  • Nil Joining Fees
  • Nil Annual Fees

HIGHLIGHTS

  • No Annual fees
  • No Joining Fees
  • 2 reward points against every Rs. 100/- of online spends
  • One Rewards Point is equal to 0.25ps

Why We Picked It

Easy to apply for this credit card with a minimum Fixed Deposit of Rs.15,000. The Credit Limit is 80% of Fixed Deposits. Other than this, the Customer also gets 500 bonus reward points on card activation.

Pros & Cons

  • No Annual fees
  • No Joining Fees
  • Secured Credit Card

Read the detailed review here.

  • Low rewards rate

#8. Indusind Bank Platinum Aura Edge Credit

Indusind Bank Platinum Aura Edge Credit
Indusind Bank Platinum Aura Edge Credit

Indusind Bank Platinum Aura Edge Credit one of the Entry-level cards from Indusind bank. This card comes No Annual and Joining Fees. Here is everything you should know about this credit card.

Best feature: High Credit Limit even for Beginner.

MCCB Rating

***

Eligibility Criteria

  • Good CIBIL Score
  • Age between 18 to 65 years
  • Stable Monthly income

Annual Fees and APR

  • NO Annual fees
  • No Joining Fees

HIGHLIGHTS

  • No joining and annual fee
  • It’s a lifetime FREE card
  • Very good Credit Limit.
  • Fuel-surcharge waiver at petrol stations across India
  • Flexibility to choose a rewards program that caters to your lifestyle
  • Concierge service. Available 24/7
  • Complimentary Priority Pass membership

Why We Picked It

Easy approval, Indusind Bank offering this credit card to almost everyone, with Credit Limit. Almost everyone getting Credit Limit from Rs.40,000 to 5,00,000

You can read the detailed review about Indusind Bank Platinum Aura Edge Credit here

#9. Axis Bank Insta Easy Credit Card

Axis Bank Insta Easy Credit Card is a secured credit card issued against a minimum Fixed deposit of Rs.20,000. The card is a zero annual fee credit card and is best suited for frequent shoppers. Let’s look at their rewards and features: 

Best feature: Any application for the Axis Bank Insta Easy Credit Card is guaranteed approval.

MCCB Rating

***

Eligibility Criteria

  • Age Must be Above 18 year
  • Fixed Deposit Rs.20,000 ore more
  • Should be either Indian or NRI

Annual Fees and APR

  • Nil Joining Fees
  • Nil Annual fees
  • 36 to 45%

HIGHLIGHTS

  • No Annual Fees
  • No Joining Fees
  • Its Secured Credit Card
  • 6 Reward Points on every Rs.200 spent domestically
  • 12 Reward Points on international spends of Rs.200

Why We Picked It

Axis Bank Insta Easy Credit Card is issued as guaranteed approval. You can also get 15% discount on dining at selected partner restaurants in India.

Pros & Cons

  • No Annual Fees
  • No Joining Fees
  • Its Secured Credit Card
  • Very Low Rewards Rate

#10. SBI Card Unnati 

SBI Card Unnati  is contactless No Annual fees Credit card issued to Entry level customer against Fixed Depsoit. However is Annual fees is waived only for First Four years. Here is all Details.

Best feature:  Withdraw cash up to 80% of Credit Limit

MCCB Rating

**

Eligibility Criteria

  • Hold SBI Fixed Deposit of Rs.25,000
  • Age More than 18 yeas

Annual Fees and APR

  • No Annual Fees for First Four years.
  • No Joining Fees

HIGHLIGHTS

  • No annual Fees up-to 4 Years
  • One Rewards points per Rs.100 spent
  • Its Secured Credit card

Why We Picked It

SBI Normally do not issued credit card without Joining and Annual Fees, However this credit card is issued without annual fees for first Four years.

Pros & Cons

  • Its Secured Credit card
  • Anybody Can get it.
  • No CIBIL Score required
  • Very Low rewards rate

You can read the other detailed terms and conditions at SBI Website.

Do you know any credit card, which is not listed above ?, Please share in the comment box below

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Avatar of Dhiraj Jha
Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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