Best Lifetime Free Credit Cards in India

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Before applying for any credit card, the first thing we check for is the Annual Fee of that credit card. While some come with basic credit card fee, there are other cards where you needn’t pay Annual Fee ever. So if you are looking for some lifetime free credit cards in India, here are some of our picks which can help you decide which one to go for.

Best Lifetime Free Credit Cards in India

Credit Card Annual Fee Best Suited for

HSBC Visa Platinum



  •  Shopping
  • Reward Points
  • Travel Benefits
ICICI Amazon Pay Nil
  • Amazon Prime Customers
  • Dining discount
  • Fuel Surcharge Waiver
Kotak Aqua Gold Nil
  • High Credit Limit
  • Fuel Surcharge Waiver
  • PVR Movie discount
Bank of Baroda Prime Nil
  • Cashback offers
  • Zero Fuel Surcharge
  • Interest-Free Credit Facility
RBL Insignia Preferred Banking World Nil
  • Dining and Hotel Benefits
  • Access to Airport lounge
  • Golf Privileges
Axis Insta Easy Nil
  • Flexible Credit Limit
  • Fuel Surcharge Waiver
  • Reward Points
Kotak Gold Fortune Nil
  • Easy Cash Access
  • Railway Surcharge Waiver
  • PVR Movie discount
ICICI Instant Platinum Nil
  • Instant and Free
  • Reward Points
  • Low Interest Rate

Let’s look at the key features of the above mentioned cards in detail:

HSBC Visa Platinum

HSBC Visa Platinum credit card is best suited for people, who love to shop and earn Reward Points. This credit card comes with some great premium services from the bank along with zero Annual Fee.

Annual Fee – Nil

  1. Get Rs.2000 cashback on spending Rs.10,000 or more as Welcome Offer within the first 3 months
  2. Movie vouchers worth Rs.500 on spending at least Rs.50,000 in a month with BookMyShow
  3. Avail dining discount up to 15% over 1000 restaurants
  4. Fuel Surcharge Waiver for transactions between Rs.400 and Rs.4000
  5. Earn 2 Reward Points for every Rs.150 spent
  6. Travel benefits on Singapore Airlines with Air Miles Conversion
  7. Get Rs.2000 Cleartrip voucher and Swiggy voucher worth Rs.250 on the first transaction
  8. Zero Liability for lost HSBC credit cards

Also Read: Best Travel Credit Cards in India

ICICI Amazon Pay 

Amazon in association with ICICI Bank has launched the ICICI Amazon Pay Credit Card. This is a lifetime free credit card with unique features and benefits. The rewards and cashback earned with this credit card is straight away credited to your Amazon account.

Annual Fee – Nil

  1. 5% cashback for Amazon Prime customers for shopping on Amazon
  2. Earn 2% cashback on 100+ Amazon Pay partner merchants with this card
  3. Get 15% discount and offers on selected partner restaurants in India
  4. 1% Fuel Surcharge Waiver with ICICI Amazon Pay credit card
  5. The card comes with zero joining and annual fee for everyone

Also Read: Best Credit Cards in India

Kotak Aqua Gold Credit Card 

Kotak Aqua Gold comes with various benefits that include interest-free cash withdrawals, fuel surcharge waiver and entertainment privileges. Here are some unique features of this credit card –

Annual Fee – Nil

  1. In case of a card being stolen or lost, the bank provides a cover of Rs.50,000 up to 7 days of reporting
  2. Enjoy the Add-on card facility with the same benefits of the primary cardholder
  3. Balance Transfer facility along with continued Interest-Free period on retail purchases
  4. Get 4 PVR tickets on or Rs.750 as cashback on spending Rs.1,50,000 annually
  5. The credit card comes with High Credit Limit of Rs.12 lakhs
  6. Railway Surcharge waiver for transactions with IRCTC for a maximum of Rs.500

Bank of Baroda Prime Credit Card

Bank of Baroda Prime credit card is best suited for people who are looking to get benefits on fuel and cashback. With zero annual and joining fee, this card is best when it comes to basic day-to-day use.

Annual Fee – Nil

  1. Get 3-lifetime free Add-on credit cards along with the primary credit card
  2. Avail up to 50 days of Interest-Free days from the date of purchasing this credit card
  3. Get In-Built Personal Accidental Death Cover with this credit card
  4. Earn 4 Reward Points on every Rs.100 spent
  5. Zero Liability on the lost card and on other fraudulent transactions

RBL Insignia Preferred Banking World Credit Card 

RBL Insignia Preferred Banking World Credit Card comes with great benefits on shopping, golf experiences and much more. Have a look at some of its features and benefits

Annual Fee – Nil

  1. Earn 5 Reward Points in every Rs.100 spent on domestic transactions and 10 Reward Points on every International transaction
  2. With Priority Pass Membership, get unlimited access to over 1000 Airport lounges around the world
  3. Get discount of Rs.500 on movie tickets every month with BookMyShow
  4. Avail complimentary Gold Rounds in a year with 50% discounted green fee access
  5. Enjoy the exclusive experience with Iconic Hotels and room upgrade
  6. Dining program and discount at selected major cities

Axis Insta Easy Credit Card

Axis Insta Easy Credit Card is a basic card loaded with privileges. The card is best suited for people who love watching movies, who love to shop and dine.

Annual Fee – Nil

  1. Fuel Surcharge Waiver on transactions between Rs.400 and Rs.4000
  2. Get cash withdrawals up to 100% credit limit
  3. Enjoy 15% dining discount at selected partner restaurants in India
  4. Convert big purchases into EMI on transactions over Rs.2,500
  5. Earn eDGE Loyalty Reward Points for transactions and 500 + Rewards and offers

Kotak Gold Fortune Credit Card

Kotak Gold Fortune credit card is designed in a way that gives interest-free cash withdrawals. The joining and annual fee on this credit card is Nil

Annual Fee – Nil

  1. Get Easy Cash Access at Kotak and other Visa ATMs
  2. Get Interest Free Cash for up to 48 days along with 50% higher cash limit
  3. Avail Balance Transfer facility along with Fortune shield of Rs.50,000
  4. Add-on credit card facility for your family members
  5. Get 4 PVR tickets free on spending Rs.1,50,000 in a year

ICICI Bank Instant Platinum Credit Card

ICICI Bank Instant Platinum credit card works best for individuals who want a credit card instantly. The applicant should have a fixed deposit to avail this credit card. The joining and annual fee on this credit card is Nil.

Annual Fee – Nil

  1. Instant Credit Card Issuance
  2. Along with Instant Platinum credit card, you get another credit card which is free
  3. This credit card comes with low interest rate i.e. 2.49% per month
  4. Avail 15% discount at over 800 leading restaurants in India
  5. Get 1% fuel surcharge waiver on fuel transaction of the maximum amount of Rs.4000


The credit cards mentioned above are some picks which come with Zero Annual Fee for a lifetime. It is advisable to perhaps consider the financial status and the benefits you are looking for in a credit card that will not only be lifetime free but that also suits your financial preference in the long run.



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