Top 5 Lifetime Free Credit Cards in India (No Annual Fee)

Top 5 Lifetime Free Credit Cards in India (2025)

Discover the best no annual fee credit cards in India for cashback, rewards, and online shopping.

What Are Lifetime Free Credit Cards?

Lifetime free credit cards in India are cards that charge no joining or annual fees — ever. They help users build a good credit score while enjoying benefits like cashback, fuel surcharge waivers, and free reward points.

Why Choose a Lifetime Free Credit Card?

✅ No joining or renewal fees — save money yearly

💰 Rewards and cashback on online shopping

✈️ Airport lounge access on select cards

📈 Build credit score with responsible usage

Top 5 Lifetime Free Best Credit Cards in India 2025

1. SBI SimplyCLICK Credit Card :

Best for: Online shopping and e-commerce rewards

The SBI SimplyCLICK lifetime free credit card is perfect for digital shoppers. It offers bonus reward points and e-vouchers for spending with partner brands like Amazon and BookMyShow.

i. 5X reward points on all online purchases

ii. 10X rewards with partner brands (Amazon, Cleartrip)

iii. Amazon e-voucher worth ₹500 on joining

iv. Annual Fee: ₹499 (Waived on ₹1 lakh yearly spend).

 

2. HDFC MoneyBack Plus Credit Card :

Best for: Cashback on everyday spends

HDFC MoneyBack+ Credit Card is among the best credit cards in India 2025 for cashback lovers. It gives up to 4X rewards on online purchases and additional benefits on fuel transactions.

i. 4X reward points on Amazon, Flipkart, Swiggy, BigBasket

ii. Redeem points for cashback or vouchers

iii. 1% fuel surcharge waiver

iv. Annual Fee: ₹500 (Waived on ₹50,000 spend).

 

3. Axis Bank MY ZONE Credit Card :

Best for: Entertainment and OTT users

The Axis Bank MY ZONE Credit Card offers great lifestyle perks, including free movie tickets and discounts on OTT platforms. It’s one of the top no annual fee credit cards India for lifestyle enthusiasts.

i. Complimentary SonyLIV subscription

ii. Buy 1 Get 1 free on BookMyShow movies

iii. 1% fuel surcharge waiver

iv. Annual Fee: ₹500 (Waived on ₹50,000 spend)

4. Amazon Pay ICICI Credit Card :

Best for: Amazon users & Prime members

The Amazon Pay ICICI Credit Card is a true lifetime free credit card with no joining or renewal fee. It offers unlimited cashback on all purchases and special rewards for Prime users.

i. 5% cashback for Prime members

ii. 3% cashback for non-Prime Amazon users

iii. 1% cashback on all other purchases

iv. Annual Fee: ₹0 (Lifetime Free)

 

5. ICICI Platinum Chip Credit Card :

Best for: Beginners and first-time credit card users

The ICICI Platinum Chip Credit Card is designed for those seeking a safe, lifetime free option. It offers reward points on every spend with zero annual or joining fees.

1 reward point for every ₹100 spent

Fuel surcharge waiver

Zero joining and annual fee

Annual Fee: ₹0 (Lifetime Free)

Which Lifetime Free Credit Card Should You Choose?

If you shop online frequently, the Amazon Pay ICICI Card and SBI SimplyCLICK are ideal choices. For entertainment and OTT fans, Axis MY ZONE delivers unmatched benefits. Those new to credit can start with ICICI Platinum Chip to build their credit score safely.

 

Tip: Always pay your credit card bills on time to maintain a good credit score and enjoy full rewards. Late payments can affect your credit rating even if your card is lifetime free.

Conclusion :

These top 5 lifetime free credit cards in India (2025) provide great benefits without any annual costs. Whether you’re a student, salaried employee, or frequent shopper, there’s a perfect no annual fee credit card India for you. Apply online today to enjoy cashback, travel rewards, and zero fees.

Disclaimer: Card details and offers may change. Please verify the latest features from the official bank websites before applying.