A lifetime free credit card offers incredible value by eliminating annual fees while providing benefits like cashback, rewards, lounge access, and fuel surcharge waivers. Whether you’re a frequent traveller, an online shopper, or looking for a card with no annual fee, this guide will help you find the best credit card in India tailored to your needs.
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1. Amazon Pay ICICI Bank Credit Card
If you’re a frequent Amazon shopper looking for a credit card that gives you incredible cashback rewards, the Amazon Pay ICICI Bank Credit Card is a perfect fit. With no annual fees and direct cashback on every transaction, it’s one of the best lifetime free credit cards in India for online shopping enthusiasts.
Features and Benefits:
- Earn 5% cashback on Amazon purchases for Prime members and 3% cashback for non-Prime members.
- 1% cashback on all other transactions, directly credited as Amazon Pay balance.
- No annual or joining fee, making it one of the best ICICI credit cards in the lifetime free category.
- Offers cashback on transactions with ICICI’s partner merchants.
Why It’s Great: This card is perfect for Amazon users who want a lifetime free credit card that rewards them for everyday spending. With no fees and excellent cashback benefits, it stands out as one of the top credit cards in India.
Customer Support: For any issues, reach out to the ICICI credit card toll-free number: 1860 120 7777.
2. Flipkart Axis Bank Credit Card
Shop till you drop with the Flipkart Axis Bank Credit Card, a lifetime free card designed exclusively for avid shoppers on Flipkart and Myntra. This card offers unmatched cashback benefits, making it one of the best Axis Bank credit cards for online shopping in India.
Features and Benefits:
- Earn 5% cashback on Flipkart and Myntra purchases.
- Get 4% cashback on popular platforms like Swiggy, Uber, and PVR.
- Flat 1.5% cashback on all other transactions with no cap.
- Complimentary lounge access at domestic airports.
Why It’s Great: Known as the best Axis Bank credit card for online shopping, this card is a must-have for Flipkart enthusiasts. The lifetime free credit card feature adds extra appeal.
Customer Support: Dial the Axis Bank credit card toll-free number: 1860 419 5555 for assistance.
3. HDFC Freedom Credit Card
The HDFC Freedom Credit Card is a versatile option for individuals seeking rewards on a variety of everyday expenses. With the potential to upgrade to an HDFC lifetime free credit card, it’s a smart choice for beginners and experienced credit card users alike.
Features and Benefits:
- Earn reward points on categories like groceries, dining, and fuel.
- Fuel surcharge waiver at select stations.
- Exclusive discounts on dining and movie bookings.
- Can be upgraded to an HDFC lifetime free credit card based on usage.
Why It’s Great: The HDFC Freedom Credit Card is one of the best HDFC credit cards for individuals who seek rewards across multiple categories.
Customer Support: For 24/7 support, contact the HDFC credit card customer care toll-free number: 1800 202 6161.
4. SBI Unnati Credit Card
Designed for simplicity and value, the SBI Unnati Credit Card is perfect for those new to credit cards. Offering rewards and no annual fees for the first four years, it’s an excellent introduction to the world of SBI lifetime free credit cards.
Features and Benefits:
- No annual fee for the first four years.
- Earn reward points on every ₹100 spent.
- Simple eligibility criteria with low documentation requirements.
- Option to upgrade to an SBI lifetime free credit card after consistent usage.
Why It’s Great: As one of the best SBI credit cards, the Unnati Card is ideal for first-time users or those looking for a free credit card with straightforward features.
Customer Support: For queries, reach out to the SBI credit card toll-free number: 1800 180 1290.
5. HSBC Visa Platinum Credit Card
Travel and dine in style with the HSBC Visa Platinum Credit Card, a card tailored for international travelers and food enthusiasts. With no annual fee and exclusive lounge access, this card is among the best credit cards for airport lounge access in India.
Features and Benefits:
- Get 10% cashback on spending ₹10,000 or more within the first 90 days.
- Enjoy exclusive dining offers and discounts.
- Complimentary airport lounge access for international travelers.
- No joining or annual fee, making it an attractive lifetime free credit card.
Why It’s Great: This is the best credit card for international travel and those who frequently dine out, offering unmatched rewards and savings.
Customer Support: For assistance, call the HSBC toll-free number: 1800 267 3456.
6. IDFC FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card is your ticket to unlimited rewards and unmatched benefits. Offering no expiry on reward points and global acceptance, it’s one of the top lifetime free credit cards for savvy spenders in India.
Features and Benefits:
- Unlimited reward points with no expiry.
- Earn 6X reward points on online spending and 3X points on offline transactions.
- Complimentary roadside assistance and discounts on movie tickets.
- 0% foreign currency markup fee, making it one of the top 10 lifetime free credit cards in India.
Why It’s Great: This card is perfect for travelers and shoppers looking for a free credit card with high rewards and international usage benefits.
Customer Support: Reach out to IDFC Bank support for more details.
7. Kotak 811 #DreamDifferent Credit Card
Simplify your finances with the Kotak 811 #DreamDifferent Credit Card, a no-frills card designed for young professionals and first-time users. It’s the best Rupay credit card for those looking for a seamless, hassle-free experience with no annual charges.
Features and Benefits:
- No joining fee or annual charges, truly a lifetime free credit card.
- Cashback and discounts on online purchases.
- Easy approval process with minimal documentation.
- Fuel surcharge waiver across India.
Why It’s Great: This best Rupay credit card offers excellent value for young professionals and first-time credit card users.
Customer Support: For help, dial the Kotak credit card toll-free number: 1860 266 2666.
8. Axis Bank ACE Credit Card
The Axis Bank ACE Credit Card is perfect for users who value cashback on everyday expenses like utility bills, food delivery, and more. As one of the best lifetime free credit cards in India, it ensures maximum savings without the burden of annual fees.
Features and Benefits:
- Earn 5% cashback on bill payments via Google Pay.
- 2% cashback on all other spends.
- 4% cashback on Swiggy, Zomato, and Ola.
- One of the best credit cards for online shopping with no annual fees.
Why It’s Great: As one of the best Axis credit cards, the ACE Credit Card is ideal for users who spend frequently on utility bills and food delivery.
Customer Support: For assistance, use the Axis Bank credit card toll-free number: 1860 500 5555.
How to Apply for a Lifetime Free Credit Card in India
Follow these steps to apply for a free credit card online:
- Visit the official website of the bank offering the card.
- Select your desired card and check the eligibility criteria.
- Complete the online application form with your personal and financial details.
- Submit the required documents, such as ID proof, address proof, and income proof.
- Track your application status until approval.
For example, you can apply online for an SBI credit card lifetime free through their official website.
Conclusion
Choosing the best lifetime free credit card depends on your spending habits, whether it’s shopping, travel, or everyday expenses. Cards like the Amazon Pay ICICI, Flipkart Axis, and HDFC Freedom stand out as some of the best credit cards in India with no annual fees. By leveraging the features and rewards, you can save significantly while enjoying the convenience of credit.
Don’t forget to use these cards responsibly to build a good credit score and maximize their benefits.