Lifetime Free Credit Cards (No Annual Fee) in India - 2025

The following is the list of features and benefits of No Annual Fee credit cards:

1. No Annual Fee: These are life-time free cards and users do not need to pay any annual fee for availing any of its features
2. Fuel Surcharge Waiver: Get a 1% waiver on fuel surcharges, which helps you save on your fuel expenses
3. Lifestyle Benefits: Enjoy a variety of perks like airport lounge access, discounts on shopping and dining, and deals on movie tickets
4. Welcome Rewards: Receive welcome benefits like bonus reward points, vouchers, or subscriptions when you get the card
5. Easy to Get: With low income requirements and simple criteria, these cards are easy to qualify for and get approved
6. Financial Flexibility: These cards ensure easy access to money and maximise savings by providing rewards, low interest rates and eliminating unnecessary fees
7. Build Your Credit: These cards help you build a good credit history without any extra fees or maintenance charges

Lifetime Free Credit Cards in India

FinBooster: YES BANK - BankBazaar Co-branded Credit Card

Key Highlights: The FinBooster: YES Bank - BankBazaar Co-branded Credit Card helps you to build a high credit score and good credit behaviour. You get regular credit fitness reports and these give you insights into your financial health.

1. Joining Fee: NIL
2. Renewal Fee: NIL  

Features and benefits:

1. Free Credit Reports: With the FinBooster credit card, you get CreditStrong reports with a real-time dashboard that helps you track your credit score and improve your credit health. 

1. Reward Points: This credit card offers accelerated reward points. You earn 5X rewards points on online dining transactions (10 points for every Rs.200), 3X reward points on apparel or online grocery transactions (6 points for every Rs.200), and 2 reward points on other retail spends (2 points for every Rs.200).

1. Contactless Transactions: This credit card comes with NBFC-enabled technology, which allows you to complete contactless transactions. 

1. Insurance Coverage: You also get an accidental death insurance coverage of Rs.2.5 lakh for primary cardholder with this card. 
2. Fuel Surcharge Waiver: For fuel transaction of Rs.400 up to Rs.5,000, the card offers 1% fuel surcharge waiver at all fuel stations in India.

1. Easy EMI Conversions: This credit card also offers a facility to convert transactions as low as Rs.2500 into easy EMIs. 

1. Instant Loan: You can also avail yourself of an instant loan up to the credit limit using this credit card. 

1. YES PayNow: You can use the YES PayNow feature with this credit card to settle your dues on time.
2. Express Loan: Offers pre-approved loan over the credit card limit at an affordable rate of interest, flexible tenure options, no documentation and many other benefits. 

Note: The existing YES Bank credit card holders are not eligible to apply for this credit card. 

Suitable for: Those who want to build a high credit score and get access to the CreditStrong report.

RBL Bank BankBazaar SaveMax Credit Card

The RBL Bank BankBazaar SaveMax Credit Card is a lifetime free credit card that provides an array of appealing rewards and cashbacks. It also includes a complimentary monthly credit advisory from BankBazaar, enabling you to track your spending and monitor your credit score. Additionally, the card offers features such as balance transfer, EMI conversion, and a pre-approved loan facility 

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features & Benefits:

1. Reward Points: With RBL BankBazaar SaveMax credit card, earn 5X reward points on grocery transactions, capped at 1000 reward points in a month. You also earn one reward point every time you spend Rs.100 using SaveMax credit card. 

1. Cashbacks: The card offers 10% cashback on Zomato and 10% discount on BookMyShow (up to Rs.100 every month on each merchant) on each transaction. 

1. MyCard App: Manage your credit card, pay utility bills, get merchant offers and instant loans through the RBL Bank MyCard App. 

1. Free Credit Report: With this credit card, you also get access to a free credit report every month at BankBazaar.com. 

Suitable for: Those who wish to avail exciting rewards and cashback.

HSBC Visa Platinum Credit Card

The HSBC VISA Platinum credit card is suitable for shopping, dining, and fuel purchases. With this credit card, you earn reward points and get access to a host of other premium services, such as zero lost card liability, emergency card replacement, etc.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Welcome Benefits

1. Offers Amazon e-Gift voucher worth Rs.250 when applied online, verified through video and only after the card is received.  

1. You can get 2000 bonus reward points on downloading and logging into the HSBC India Mobile App and spending at least Rs.5,000 within the first 30 days of card issuance.  

1. You can also get a complimentary 3-month Swiggy One membership upon activation.  

Rewards 

1. For every Rs.150 spent, the card offers 2 reward points. 

1. On hotels, flights and car rentals, the card offers 6 times the reward point through Travel with points. 

1. Enables converting reward points into air miles and hotel loyality points via the HSBC India Mobile Banking app. 

Fuel Benefits 

1. Offers cashback of Rs.250, on making payment using this card. 

1. Fuel surcharge waiver of Rs.250, on fuel purchase between Rs.400 to Rs.4000 per month. 

Lifestyle and Travel Benefits 

1. Offers complimentary 12-month Times Prime subscription, thereby offering free access to JioHotstar, Discovery+, Uber One, etc. 

1. On domestic flights booked with MakeMyTrip using promo code, the card offers complimentary flight seat selections twice a year. 

1. For hotel stays in India when you book with MakeMyTrip, the card offers 15% cashback which is added to your MakeMyTrip Wallet in 'My Cash'. 

Other Benefits 

1. Privileges at Bicester Villages include eVIP pass discounts and sale events. 

1. Insurance coverage of up to Rs.3 lakh for any misuse of your card 

1. Balance transfer option 

1. Emergency card replacement in case you lost your card 

1. Borrow cash using the card and easy repayment through EMI.

Note: Reward points can be converted into air miles with Air India, Etihad Airways, British Airways and Singapore Airlines.

Amazon Pay ICICI Credit Card

Key Highlights: The Amazon Pay ICICI credit card helps you save even when you are availing exclusive benefits.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Reward Points: 

1. This credit card offers 5X reward points for every Rs.100 spent on Amazon for prime members. 

1. 3X reward points for every Rs.100 spent on Amazon for non-prime members. 

1. 2X reward points on purchases made from 100+ merchant partners. 

1. 1X reward points for other transactions.  

1. Do note that the reward points earned with this credit card are unlimited and never expire. 

Other benefits:

1. Offers 4% cashback on iShop. 

1. Get 2% cashback on Amazon Pay partner sites by using 'Login and Pay with Amazon' payment method. 

1. Offers 1% fuel surcharge waiver on all fuel purchases. 

1. Offers dining discount with Culinary Treat Programme.

Note: No reward points will be offered on EMI, gold, silver, precious metal, tax-related payments, rent transactions, purchases on Amazon, and fuel purchase.

Suitable for: Those who shop frequently on Amazon.

ICICI Bank Platinum Chip Credit Card

Key Highlights: The ICICI Bank Platinum Chip credit card is lifetime-free and easy to manage.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and Benefits:

Rewards

1. On every Rs.100 spent, the card offers 2x and 1x rewards on retail spend and utility and insurance spend, respectively. 

1. Offers 6x to 12x reward points iShop. 

1. Allows users to redeem the rewards across all categories, such as health and beauty, electronics, travel and luggage, fashion and lifestyle, shopping vouchers, and home appliances. 

Other Benefits

1. Offers 1% fuel surcharge waiver for fuel purchase between Rs.400 and Rs.4000 at HPCL petrol pumps. 

1. Provides the user with ‘Shop Now Pay Later’ facility. 

1. Offers dining discounts with Culinary Treat Programme. 

Suitable for: Those who want to earn exciting reward points on online shopping.

IDFC First Select Credit Card

Key Highlights: The IDFC First Select Credit Card offers high rewards with zero annual fee along with multiple offers and discounts, such as travel benefits, lifestyle benefits, comprehensive insurance and many more.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Joining Benefits 

1. On spending Rs.5,000 within 30 days of card generation, the card offers voucher worth Rs.500 on brands, such as Amazon, Bigbasket, Uber and Lifestyle. 

1. On first EMI transactions within the first 30 days of card generation, the card offers 5% cashback of up to Rs.1000 except on gold and jewellery purchases. 

Travel benefits 

1. On spending Rs.20,000 in the current month, you can avail yourself of two complimentary domestic airport lounge access. 

1. Low forex markup fee of 1.99%. 

1. Offers coverage of Rs.10,000 for free trip cancellation. 

1. Offers four complimentary railway lounge access on spending Rs.20,000 in the current calendar year. 

Lifestyle Benefits 

1. Offers ‘Buy-1-Get-1' discount on movie ticket up to Rs.125 on purchase via District by Zomato mobile app. 

1. Avail offers on more than 300 brand offers across dining, travel, shopping, etc. 

1. Fuel surcharge waiver of 1% up to Rs.200 on fuel purchase between Rs.200 to Rs.2000. 

Insurance Benefits 

1. Offers air accident cover, personal accident cover, and lost card liability cover of Rs.1 crore, Rs.5 lakh, and Rs.50,000, respectively. 

1. Offers travel insurance coverage of USD 300. 

1. The card offers complimentary road-side assistance Rs.1,399. 

UPI Benefits 

1. Offers cashback of 100% up to Rs.200, which is Rs.50 each for the first four transactions. 

1. Offers 3x rewards on UPI spends. 

Rewards 

1. On spending more than Rs.20,000 and spending on your birthday, earn 10x reward points. 

1. On spending till Rs.20,000 i a statement cycle, earn 3x reward points. 

1. On making payment of insurance premium and utility bills, earn 1x reward points. 

1. Get 50x reward points on hotel bookings above your credit card limit. 

1. On flight bookings above your card limit, get 20x reward points. 

Other Benefits

1. Offers EMI conversion facility on all online transactions. 

1. Charges interest rates at 8.50% per annum. 

1. Interest-free cash withdrawals of up to 45 days.

Suitable for: Frequent shoppers and travellers.

IDFC First Millennia Credit Card

Key Highlights: The IDFC First Millennia Credit Card offers high rewards at zero annual fee and comes with other benefits, such as low interest rates, interest free cash withdrawal for up to 45 days, and many more.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Joining Benefits 

1. On spending Rs.5,000 within 30 days of card generation, the card offers voucher worth Rs.500 on brands, such as Amazon, Bigbasket, Uber and Lifestyle. 

1. On first EMI transactions within the first 30 days of card generation, the card offers 5% cashback of up to Rs.1000 except on gold and jewellery purchases. 

Lifestyle Benefits 

1. Offers 25% discount on movie tickets up to Rs.100 on purchase via District by Zomato mobile app. 

1. Avail 20% and 15% discount at more than 1,500 restaurants and more than 3000 health and wellness outlets, respectively. 

1. Fuel surcharge waiver of 1% up to Rs.200 on fuel purchase between Rs.200 to Rs.5000. 

Travel Benefits 

1. Offers four railway lounge access on spending Rs.20,000 within the current calendar month. 

Insurance Benefits 

1. Offers personal accident cover and lost card liability cover of Rs.2 lakh, and Rs.25,000, respectively. 

1. The card offers complimentary road-side assistance Rs.1,399, which is valid up to four times a year. 

UPI Benefits 

1. Offers cashback of 100% up to Rs.200, which is Rs.50 each for the first four transactions. 

1. Offers 3x rewards on UPI spends. 

Rewards 

1. On spending more than Rs.20,000 and spending on your birthday, earn 10x reward points. 

1. On spending till Rs.20,000 i a statement cycle, earn 3x reward points. 

1. On making payment of insurance premium and utility bills, earn 1x reward points. 

1. Get 50x reward points on hotel bookings above your credit card limit. 

1. On flight bookings above your card limit, get 20x reward points. 

Other Benefits 

1. Offers EMI conversion facility on all online transactions above Rs.2,500. 

1. Charges interest rates at 8.50% per annum. 

1. Interest-free cash withdrawals of up to 45 days. 

Suitable for: Frequent shoppers and travellers.

Kotak 811 #DreamDifferent Credit Card

Key Highlights:

The Kotak 811 #dreamDifferent Credit Card is a fixed-deposit backed credit card. The secured credit card includes fuel surcharge waiver, railway surcharge waiver, and exclusive offers on achievement of milestones. The cardholder can avail the milestone program on spending of Rs 75,000+ and can get bonus offers on either cashback or PVR tickets.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Reward Points 

1. For every Rs.100 spent online, the card offers 4 reward points. 

1. For other spends of get 1 reward point for every Rs.100. 

Other Benefits 

1. Offers cash withdrawal of 90% credit limit at zero interest rate. 

1. No interest charged for 48 days of cash advance. 

Surcharge Waiver 

1. On spending between Rs.500 and Rs.4000, the card offers a 1% fuel surcharge waiver. 

1. The maximum fuel surcharge waiver allowed is Rs.3,500 per year. 

1. For transactions on irctc.co.in and Indian railway booking counters, the card offers waiver of 1.80% and 2.50% which is maximum of Rs.500 per year. 

Milestone Programme 

1. On spending Rs.36,000 and Rs.72,000 annually, the card offers Amazon vouchers worth Rs.250 and Rs.1000, respectively. 

1. Offers cashback worth Rs.750, on spending Rs.75,000 a year. 

Note: Milestone benefits not applicable on spendings on cash withdrawals, fuel spends and EMI conversion.

Suitable for: Frequent shoppers and travellers.

IndusInd Bank Platinum Visa Credit Card

Key Highlights: IndusInd platinum visa credit card is a reward-oriented credit card that gives you value back on all your transactions. You can redeem your points against a variety of options, such as Air miles, cash credit, or products / vouchers from your rewards catalogue.

1. Joining Fee: NIL
2. Renewal Fee: NIL

Features and benefits:

Rewards 

Offers 1.5 reward points on every Rs.150 spent. 

Platinum Welcome 

1. Offers gift Voucher will be valid only on purchases made at Montblanc India Retail boutiques for six months. 

1. It offers gift vouchers for Postcard hotels and is valid for six months. 

1. Under Vouchgram, the card offers discount vouchers from multiple brands like Amazon, Flipkart, Zee5, Apollo Pharmacy, Uber, Ola, etc. 

1. Under Vouchgram premium, the card offers discount vouchers across various brands. 

Platinum Travel 

Insurance coverage of Rs.25,000 for lost tickets, missed connection, and delayed baggage. 

For loss of passport and baggage, the card offers coverage of Rs.50,000 and Rs.1 lakh, respectively. 

Platinum Freedom 

1. Offers 1% fuel surcharge waiver across all petrol pumps in India. 

Platinum Assurance 

1. Under the Total Protect programme, the card is protected in case of fraudulent transactions and covers a sum up to the credit limit of your card (also applicable for add-on cards). 

1. Offers complimentary personal air accident coverage of Rs.25 lakh.

Suitable for: Frequent shoppers and travellers.

How to Apply for a No Annual Fee Credit Card Online?

To apply for no annual fee credit cards online, you can visit the respective bank website, or you can apply through BankBazaar, which is an authorised partner of top banks in India.

Steps to apply through BankBazaar website

1. Visit www.bankbazaar.com/credit-card.html and select the card that you want.
2. Click the 'Eligibility' button to check your eligibility for the card.
3. If you are eligible, you will find an option to Apply, click on the same, enter the required details and submit.
4. You will be asked to upload the required documents.
5. Once they are uploaded, click 'Submit'.

On successfully submitting the application and the necessary documents, you will receive an 'Application ID'. Use this ID to track your application status by clicking' Track Application'.

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