10 Best Lifetime Free Credit Card in India 2021

By | March 12, 2021
IDFC FIRST Wealth Card

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

In Credit Cards With No Annual Fee

Eligibility Criteria

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

Annual Fee and APR

  • No Annual
  • No Joining Fees
  • 40% APR

HIGHLIGHTS

  • NO Joining and Annual Fees.
  • 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
  • Unlimited Earning
  • All rewards will be posted as Amazon Pay balance.
  • All cashback will be posted in Amazon Pay Balances in the Next Statement.

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

  • Excellent cashback Systems
  • Easy to use
  • Cashback Even in Utility Payment
  • NO Lounge Access Benefits
  • No Welcome Benefits

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

In Credit Cards With No Annual Fee

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.
  • Rs.20,000 spends : 10X Rewards Points on Rs.100 spends (2.5%)
  • Online Spends 6X Rewards Points on Rs.100 spends. (1.5%)
  • Offline Spends 3X Rewards Points on Rs.100 spends. (0.75%)
  • Birthday Spends: 10X rewards Points on all spends(2.5%)
  • 1 Reward Point = Rs.0.25
  • 25% discount on movie tickets up to Rs.100, once a month
  • 20% discount on 1500+ restaurants across India
  • 15% discount on 3000+ Health & Wellness Outlets
  • 50+ In-App discount offers
  • No Expiry of reward points
  • 4 complimentary Railway lounge visits every quarter

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

In Credit Cards With No Annual Fee

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

  • Nil Annual fees
  • Nil Joining Fees
  • Its Metal Credit card
  • Easy of use and Approval
  • No CIBIL Enquiry
  • Forex Markup Fee: 1% (+GST)
  • Regular Rewards- 1 RP/ Rs.0.10
  • 5X Points on Top 2 Categories
  • Interest-free period – 48 days
  • Zero Rewards Redemption Fee
  • Points Never Expire
  • Slick In-App Points Redemption
  • Points are issued instantly

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

  • Nil Joining Fees
  • Nil Annual Fees
  • 5X Points on Top 2 Categories
  • Forex Markup Fee: 1% (+GST)
  • Lowest Rewards points
  • No Lounge Access Benefits
  • Not Excellent Customers Support.

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

In Credit Cards With No Annual Fee

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

In Credit Cards With No Annual Fee

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

  • Free 4 Free PVR Tickets
  • Fuel Surcharge Waiver
  • Railway Surcharge Waiver
  • Only for 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

In Credit Cards With No Annual Fee

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

  • No Annual and Joining Fees
  • 1% Cashback on all Spends
  • Earn 4 reward points (equal to Rs. 1 on redemption) for every  INR 100 spent
  • Zero Fuel Surcharge
  • Easy EMI Option
  • Zero liability on the lost card if the report of loss of credit card is immediately reported
  • Guaranteed issuance against FD of 15,000 or more without any income proof.
  • 15% off at Apollo Pharmacy
  • 10% off at Medanta – The Medicity
  •  10% off at Medica Superspeciality Hospital
  • 10% off at Apollo Gleneagles Hospitals

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

  • 1% Cashback on all Spends
  • No Annual and Joining Fees
  • Issued Even if No Credit History
  • 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

In Credit Cards With No Annual Fee

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

  • 2 reward points against every Rs. 100/- of online spends
  • 1 reward point against every Rs. 100/- of other spends
  • Cashback of INR 750 as Milestone program
  • One Rewards Point is equal to 0.25ps
  • Interest-free cash withdrawal
  •  Balance Transfer on 811 DreamDifferent Credit Card
  • 811 DreamDifferent Shield- Insurance
  • Fuel & Railway Surcharge waiver

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

  • ItemWelcome Gift: 500 bonus reward points
  • Easy application Process
  • Good Customer care
  • Cashback of Rs. 750 as Milestone program 1
  • No Lounge Benefits are Available
  • Rewards rate are Low

#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

In Credit Cards With No Annual Fee

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

Pros & Cons

  • Free- No Joining and Annual Fees
  • Comprehensive insurance benefits
  • Complimentary Priority Pass membership

  • Rewards Rate are Very low

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

In Credit Cards With No Annual Fee

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

  • 100% cash withdrawal permitted up to the credit limit
  • 80% Credit Limit of Fixed Deposit
  • 1% fuel surcharge waiver on fuel transactions
  • 15% dining discounts at select restaurants
  • Card replacement without any Fees
  • No Credit History Required

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

  • Guaranteed approval
  • No Credit History
  • Credit limit 80% of FDItem 1
  • No Welcome Benefits
  • No Lounge Access benefitsItem 1

#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

In Credit Cards With No Annual Fee

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

  • 1 Reward on every Rs.100 spends
  • 1% Fuel surcharge waiver
  • Spend Rs.50,000 annually and earn Rs.500 cashback
  •  25 day interest-free credit period on retail purchase
  • Issued against Fixed Deposit of Rs.25,000

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

  • Guaranteed approval
  • No Credit History required
  • Credit Limit 80% of Credit Limit
  • No Welcome Benefits
  • Free only for First Four Years.Item 1

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

Avatar for 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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