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Best lifetime free credit cards we compare

Cards here charge no joining fee and no annual fee, ever, on the bank's own terms. Rewards are usually lower than paid cards, so check the base rate before you apply.

23 cards · last verified 20 Oct 2026 · how we rank

Compare lifetime free cards

  1. 1
    Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

    2% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  2. 2
    Amazon Pay ICICI Bank Credit Card

    1% base · Lifetime free

    View on Amazon siteIssuer's site. We don't earn from this card.
  3. 3
    Axis Bank SUPERMONEY RuPay Credit Card

    1% base · Lifetime free · UPI

    View on Axis Bank siteIssuer's site. We don't earn from this card.
  4. 4
    LIC Axis Bank Signature Credit Card

    1% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  5. 5
    SalarySe Level UP Credit Card (City Union Bank)

    1% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  6. 6
    Uni GoldX Credit Card (BOBCARD)

    1% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  7. 7
    LIC Axis Bank Platinum Credit Card

    0.66% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  8. 8
    CheQ AU Credit Card (AU Small Finance Bank)

    0.5% base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  9. 9
    IDFC FIRST WOW! Credit Card

    0.5% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  10. 10
    Suryoday SFB Stable Money RuPay Platinum Credit Card

    0.5% base · Lifetime free · UPI

    View on Stable Money siteIssuer's site. We don't earn from this card.
  11. 11
    EazyDiner IndusInd Bank Platinum Credit Card

    0.4% base · Lifetime free · UPI

    View on IndusInd Bank siteIssuer's site. We don't earn from this card.
  12. 12
    IndusInd Bank Tiger Credit Card

    0.4% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  13. 13
    IDFC FIRST Classic Credit Card

    0.38% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  14. 14
    IDFC FIRST Millennia Credit Card

    0.38% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  15. 15
    IDFC FIRST Select Credit Card

    0.38% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  16. 16
    IDFC FIRST Wealth Credit Card

    0.38% base · Lifetime free

    Apply nowVia our referral partner. We may earn a commission.
  17. 17
    HSBC RuPay Platinum Credit Card

    – base · Lifetime free · UPI

    View on HSBC siteIssuer's site. We don't earn from this card.
  18. 18
    HSBC Visa Platinum Credit Card

    – base · Lifetime free

    View on HSBC siteIssuer's site. We don't earn from this card.
  19. 19
    ICICI Bank Instant Platinum Credit Card

    – base · Lifetime free

    View on ICICI Bank siteIssuer's site. We don't earn from this card.
  20. 20
    Kiwi RuPay Credit Card (PNB)

    – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  21. 21
    Kiwi RuPay Credit Card (YES Bank Klick)

    – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.
  22. 22
    OneCard (One Credit Card)

    – base · Lifetime free

    View on OneCard siteIssuer's site. We don't earn from this card.
  23. 23
    Roarbank UPI Credit Card (Unity Small Finance Bank)

    – base · Lifetime free · UPI

    Apply nowVia our referral partner. We may earn a commission.

Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.

The cards in detail

  1. 1. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

    Visa earns 10 rewards per ₹100 (2% value as Scapia Coins for app travel); RuPay earns 5 per ₹100 on UPI and spends of ₹500+; zero forex markup; unlimited domestic lounge at ₹20,000 monthly spend.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  2. 2. Amazon Pay ICICI Bank Credit Card

    Rewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing.

    Lifetime free

    View on Amazon siteIssuer's site. We don't earn from this card.

  3. 3. Axis Bank SUPERMONEY RuPay Credit Card

    Lifetime-free RuPay card: 3% cashback on scan-and-pay UPI through the super.money app, limited each cycle to what you earn on your other spends (at least ₹100), and 1% on other UPI and card spends with no cap.

    Lifetime free

    View on Axis Bank siteIssuer's site. We don't earn from this card.

  4. 4. LIC Axis Bank Signature Credit Card

    Lifetime-free card: 2 reward points per ₹100 on LIC premiums and foreign currency spends, 1 point per ₹100 elsewhere; a point is worth up to ₹1 on the LIC rewards catalogue, so about 2% and 1% back. Fuel, utilities, rent, wallet and EMI earn nothing.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. SalarySe Level UP Credit Card (City Union Bank)

    Earns SalarySe SCoins worth about 1% on regular spends (2% on monthly spend above ₹20,000) and 5% on SalarySe UPI on the 1st and last day of the month (7.5% with the paid physical card); lounge access comes with the paid physical card.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  6. 6. Uni GoldX Credit Card (BOBCARD)

    Flat 1% value back in Uni Coins on eligible spends (1 coin per ₹1, each coin worth 1 paisa), higher on Uni Store vouchers, with no forex markup and no fees; no coins on fuel, rent, utilities, wallet loads or international spends.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  7. 7. LIC Axis Bank Platinum Credit Card

    Lifetime-free card: 2 reward points per ₹100 on LIC premiums and foreign currency spends, 1 point per ₹100 elsewhere; a point is worth about ₹0.66 on the LIC rewards catalogue, so about 1.3% and 0.66% back. Fuel, utilities, rent, wallet and EMI earn nothing.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  8. 8. CheQ AU Credit Card (AU Small Finance Bank)

    Earns CheQ Points at headline 1% to 12% rates, worth about half as much in rupees when redeemed on gift cards or travel; best on CheQ-app bills, flights and hotels.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  9. 9. IDFC FIRST WOW! Credit Card

    Secured card against a ₹20,000+ FD with no income proof or credit history. Online, offline and international spends earn 0.5% back in reward points, utilities, insurance, railways and FASTag 0.125%; zero forex markup.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  10. 10. Suryoday SFB Stable Money RuPay Platinum Credit Card

    Flat 0.5% cashback on card and UPI spends, adjusted against your next bill, capped at ₹3,000 per billing cycle. Fuel, rent, utilities, phone and wallet recharges, insurance, education, government payments, trains, metro, buses and cab rides earn nothing.

    Lifetime free

    View on Stable Money siteIssuer's site. We don't earn from this card.

  11. 11. EazyDiner IndusInd Bank Platinum Credit Card

    2 reward points per ₹100 on most spends (0.4% back, at ₹0.20 a point redeemed against restaurant bills in the EazyDiner app), 0.7 points per ₹100 (0.14%) on insurance, rent, utilities and government payments, and none on fuel. The main value is dining: an extra 20% off up to ₹500, three times a month, when you pay a restaurant bill through the EazyDiner app with this card, plus 3 months of EazyDiner Prime to start. Also a buy-one-get-one BookMyShow ticket (up to ₹200 off) once a month, and 2,000 bonus points with a further 3 months of Prime for each ₹30,000 spent in 90 days (dining doesn't count).

    Lifetime free

    View on IndusInd Bank siteIssuer's site. We don't earn from this card.

  12. 12. IndusInd Bank Tiger Credit Card

    Spend-slab rewards: 1 point per ₹100 up to ₹1 lakh a year, rising to 2, 4 and 6 points per ₹100 at higher yearly spend; no points on fuel, utilities, rent, insurance, education or government payments.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  13. 13. IDFC FIRST Classic Credit Card

    Reward points worth 1.25% back on dining (including food delivery), travel and spends on your birthday, 0.375% on most other spends, and 0.125% on utilities, insurance, railway tickets and FASTag. From 26 October 2026, international spends earn nothing. No points on fuel, EMI or cash withdrawals.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  14. 14. IDFC FIRST Millennia Credit Card

    Dining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  15. 15. IDFC FIRST Select Credit Card

    Dining, travel and birthday spends earn 1.25% back in reward points, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Zero forex markup, plus a domestic airport lounge visit each quarter.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  16. 16. IDFC FIRST Wealth Credit Card

    Dining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  17. 17. HSBC RuPay Platinum Credit Card

    2 reward points for every ₹150 you spend, including UPI payments to merchants once the card is linked to a UPI app. HSBC doesn't publish a fixed rupee value for a point: you redeem in the HSBC India app for gift cards, merchandise, flights and hotels on its Travel with Points portal, or move points to 11 airline and 5 hotel programmes (mostly 2 points for 1 mile or hotel point). Flights and hotels booked on the portal earn 4 to 6 times the points. Points last 3 years. Fuel, utility bills, insurance, rent, wallet loads, school fees, government payments and jewellery earn nothing.

    Lifetime free

    View on HSBC siteIssuer's site. We don't earn from this card.

  18. 18. HSBC Visa Platinum Credit Card

    2 reward points per ₹150 spent, and more on flights, hotels and car rentals booked through HSBC's Travel with Points portal (up to 12 points per ₹150 on hotels). Points can go to airline miles (2 points per mile with most partners), hotel points, gift cards or merchandise in HSBC's app, but HSBC sets no fixed rupee value for them. Fuel, utility bills, rent, insurance and wallet loads earn nothing.

    Lifetime free

    View on HSBC siteIssuer's site. We don't earn from this card.

  19. 19. ICICI Bank Instant Platinum Credit Card

    ICICI doesn't publish this card's reward rate or what its points are worth. Its card-wide terms say fuel, rent, wallet loads, cash and EMI spends earn no points, and transport spends earn points only on the first ₹10,000 a statement cycle.

    Lifetime free

    View on ICICI Bank siteIssuer's site. We don't earn from this card.

  20. 20. Kiwi RuPay Credit Card (PNB)

    RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  21. 21. Kiwi RuPay Credit Card (YES Bank Klick)

    Virtual RuPay card for UPI: 1.5% cashback on UPI scan and pay, 0.5% on online spends, paid as Kiwis worth ₹0.25 each.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  22. 22. OneCard (One Credit Card)

    1 reward point per ₹50 spent (fractions count), and 5 times the points in your top 2 spend categories each month if you spend at least ₹750 in each of 3 categories. Points never expire while the card is used at least once a year and can pay off recent purchases in the app with no fee. The bank doesn't publish what a point is worth in rupees. No points on fuel, rent, wallet loads, money transfers, cash, merchant EMIs, or bills and utilities.

    Lifetime free

    View on OneCard siteIssuer's site. We don't earn from this card.

  23. 23. Roarbank UPI Credit Card (Unity Small Finance Bank)

    Pick two categories each month for up to 20% cashback (capped at ₹2,500 a month), plus a flat 1% on utility bills and mobile top-ups; works on UPI apps.

    Lifetime free

    Apply nowVia our referral partner. We may earn a commission.

What you'd get back on everyday spends

  1. 1. Scapia Federal Bank Credit Card (Visa + complimentary RuPay)

    ₹2,400 a year at 2% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  2. 2. Amazon Pay ICICI Bank Credit Card

    ₹1,200 a year at 1% · lifetime free

    View on Amazon siteIssuer's site. We don't earn from this card.

  3. 3. Axis Bank SUPERMONEY RuPay Credit Card

    ₹1,200 a year at 1% · lifetime free

    View on Axis Bank siteIssuer's site. We don't earn from this card.

  4. 4. LIC Axis Bank Signature Credit Card

    ₹1,200 a year at 1% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

  5. 5. SalarySe Level UP Credit Card (City Union Bank)

    ₹1,200 a year at 1% · lifetime free

    Apply nowVia our referral partner. We may earn a commission.

Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.

Related guides and comparisons

Questions people ask

Which lifetime free card gives the most on everyday spends?

Among the cards we compare, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) from Federal Bank is first, at 2% value back on everyday spends. Rates are capped on most cards, so check the monthly limit on its page.

Which of these cards work on UPI?

Scapia Federal Bank Credit Card (Visa + complimentary RuPay), Axis Bank SUPERMONEY RuPay Credit Card, SalarySe Level UP Credit Card (City Union Bank), Uni GoldX Credit Card (BOBCARD), CheQ AU Credit Card (AU Small Finance Bank), Suryoday SFB Stable Money RuPay Platinum Credit Card, EazyDiner IndusInd Bank Platinum Credit Card, HSBC RuPay Platinum Credit Card, Kiwi RuPay Credit Card (PNB), Kiwi RuPay Credit Card (YES Bank Klick), Roarbank UPI Credit Card (Unity Small Finance Bank). Only RuPay credit cards can be linked to UPI apps, and UPI rewards are often lower than card rewards.

How did you check these numbers?

Every fee, reward rate and eligibility rule comes from the issuing bank's official pages and terms, last verified 20 Oct 2026. Where a bank doesn't publish what a reward point is worth, we leave the rate blank instead of guessing.

Is there a lifetime free credit card with airport lounge access?

Yes, several. For example, Scapia gives unlimited domestic lounge visits after ₹20,000 of monthly spend, IndusInd Tiger lists 2 domestic visits a quarter and 2 international visits a year with no spend condition published, and IDFC FIRST Wealth gives 1 domestic and 1 international visit a quarter after ₹20,000 of monthly spend, though it needs ₹36 lakh a year in income. Most free cards unlock visits only after a minimum spend, so check the rule before you count on a visit.

Can I get a lifetime free credit card without income proof?

Yes, against a fixed deposit. IDFC FIRST WOW is lifetime free and needs no income proof or credit history: you keep a fixed deposit of at least ₹20,000 with IDFC FIRST Bank, and your credit limit equals the deposit. Free cards without a deposit usually set an income bar, such as ₹3 lakh a year with income proof for IDFC FIRST Millennia or ₹30,000 a month for Amazon Pay ICICI.

Is there a lifetime free credit card from SBI or HDFC Bank?

Not among the cards we compare (October 2026): every SBI Card and HDFC Bank card here charges a fee, though most waive it on yearly spend. SimplySAVE SBI's ₹499 fee is reversed after ₹1 lakh of spend in the previous year, and HDFC Millennia's ₹1,000 renewal fee is waived at ₹1 lakh. The table above lists every lifetime free card we compare.

Do lifetime free credit cards ever charge a fee?

There's no joining or annual fee, but other charges can apply. For example, IDFC FIRST Millennia and WOW charge 1% once FASTag recharges pass ₹10,000 or railway spends pass ₹25,000 in a billing cycle, and Amazon Pay ICICI charges 1% on wallet loads of ₹5,000 or more and on a single fuel payment above ₹10,000. Interest and late fees apply as on any card.

Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.