Best Lifetime free Credit Cards in 2025
Lifetime free credit cards don’t charge any joining or annual fees, making them a great option for beginners or those new to credit. While most of these cards offer basic features and lower rewards, some can still provide good value on specific spending categories or partner brands. To get the most out of such a card, it’s important to match it with your spending habits. Here’s a list of the best lifetime free credit cards in India.
AU Bank LIT Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Cashback | Airport Lounge Access | Lifetime free
Reward
Type
Reward Points
Welcome Benefits
- Lifetime free credit card
- Get up to 10X reward points on online & offline spends
- Complimentary Amazon Prime, ZEE5 & Cult Fit (based on feature chosen)
- Up to 4 free domestic lounge visits per quarter (based on plan)
- 1% fuel surcharge waiver on spends of ₹400–₹5,000 (with ₹49 quarterly plan)
- 1 reward point = ₹0.25 (redeemable via rewards catalogue)
- Maximum 25,000 reward points per billing cycle (excluding utility spends)
Axis Bank AURA Credit Card
Joining Fee
₹749 + Tax
Renewal Fee
₹749 + Tax
Best
Suited For
Dining | Reward Points | Lifetime free
Reward
Type
Reward Points
Welcome Benefits
ICICI Platinum Chip Credit Card
Joining Fee
₹0 + Tax
Renewal Fee
₹0 + Tax
Best
Suited For
Dining | Reward Points | Lifetime free
Reward
Type
Reward Points
Welcome Benefits
Earn PAYBACK Points on every transaction with your ICICI Bank Platinum Chip Credit Card.
- Earn 2 Reward Points for every Rs. 100 spent on retail transactions.
- Earn 1 Reward Point for every Rs. 100 spent on insurance and utility payments.
- 1% fuel surcharge waiver at HPCL petrol pumps on fuel transactions of Rs. 400 to Rs. 4,000.
- Enjoy up to 15% discount on dining through the ICICI Bank Culinary Treats Programme.
- Annual fee waiver available on meeting spend criteria.