Lifetime free credit cards are super popular in India. They offer good rewards and you don’t have to spend a certain amount each year to keep them lifetime free. However, not all lifetime free credit cards are the same – some are much better than others. That’s why we looked at a lot of these cards in India and picked the best ones for rewards and benefits to share with you.
Why Choose a Lifetime Free Credit Card?
A lifetime free (LTF) credit card is a smart choice because you don’t have to pay any annual fees or joining charges. Unlike regular credit cards that require you to spend a certain amount each year to avoid fees, LTF cards let you enjoy rewards, cashback, and benefits without any extra costs.
What to Consider When Choosing an Lifetime Free Credit Card
Before you apply for a lifetime free credit card, think about these important things:
- Reward Rate: Higher reward rates mean you get more benefits when you make purchases.
- Cashback Offers: Some cards give you cashback for things like paying bills, buying groceries, traveling, and shopping online.
- Airport Lounge Access: If you travel a lot, some LTF cards let you visit airport lounges for free.
- UPI & Merchant Offers: Many RuPay credit cards can connect with UPI for extra discounts and rewards.
- International Benefits: Some cards provide benefits for international use, like not charging extra fees for foreign transactions.
Top Lifetime Free Credit Cards in India for 2025
Here are some of the best lifetime free credit cards available in India, along with their key benefits:
- Tata Neu Infinity HDFC Bank Credit Card
- Best for: Tata Neu and UPI spending
- Reward Rate: 5% NeuCoins on bill payments and Tata Neu purchases, 1.5% on UPI spends
- Cashback Type: NeuCoins (which you can redeem on the Tata Neu app)
- Lounge Access: 2 domestic visits and 1 international visit per quarter
- Axis Bank My Zone Credit Card
- Best for: Food and entertainment
- Reward Rate: 0.1% on regular spending
- Perks: Discounts on Swiggy, District app, and AJIO
- Lounge Access: 1 complimentary domestic visit per quarter
- Amazon Pay ICICI Bank Credit Card
- Best for: Amazon shoppers
- Reward Rate: 5% for Prime members, 3% for non-Prime, 1% on all other spending
- Cashback Type: Amazon Pay Balance
- Lounge Access: Not available
- BoB Premier RuPay Credit Card
- Best for: RuPay offers and international transactions
- Reward Rate: 0.5% to 2.5%
- Lounge Access: 1 domestic visit and 1 international visit per quarter
- ICICI Bank Platinum Credit Card
- Best for: No-cost EMI and online discounts
- Reward Rate: Up to 0.5%
- Lounge Access: None
- Special Offers: Merchant discounts and EMI benefits
- OneCard – Metal LTF Credit Card
- Best for: Stylish design and spend-based rewards
- Reward Rate: 0.2% to 1% cashback
- Lounge Access: Not available
- Special Feature: Metal card design and offers from Swiggy, Zomato, and Amazon
- IDFC First Bank Credit Cards (Millennia, Select, Classic, Wealth)
- Best for: High reward rates and travel perks
- Reward Rate: Up to 2.5%
- Lounge Access: Domestic and railway lounge access based on the card type
- HSBC Visa Platinum Credit Card
- Best for: Air miles and travel rewards
- Reward Rate: 1.3% to 3%
- Reward Redemption: Air miles or statement credit
- Lounge Access: Only for the first year
- IndusInd Bank Legend Credit Card
- Best for: High spending and merchant discounts
- Reward Rate: 0.5% to 1.5%
- Lounge Access: 1 domestic visit per quarter
- Special Benefit: Comes with a zero-balance savings account
- IndusInd Bank Tiger Credit Card
- Best for: Cashback and international lounge access
- Reward Rate: 0.4% to 4%
- Lounge Access: 2 domestic visits per quarter and 2 international visits per year
Final Thoughts: Which Lifetime Free Credit Card Should You Get?
Each of these lifetime free credit cards has its own benefits, so pick one that matches your spending habits:
- For frequent online shoppers → Amazon Pay ICICI Bank Credit Card
- For travel perks and lounge access → Tata Neu Infinity HDFC, BoB Premier RuPay, HSBC Visa Platinum
- For cashback on daily expenses → OneCard, IndusInd Legend, Axis My Zone
- For UPI payments and RuPay benefits → IDFC First, Axis Neo, BoB Premier
Since these credit cards don’t have annual fees, you can even get more than one to save money across different categories!
FAQs
- What is a lifetime free credit card?
A lifetime free credit card, or LTF credit card, is a type of credit card that does not charge any annual fees or joining fees for the entire time you hold the card. - Are there any spending requirements for lifetime free credit cards?
No, unlike regular credit cards, lifetime free credit cards do not require you to meet a specific spending target each year to avoid annual fees. - What kinds of rewards can I earn with a lifetime free credit card?
Lifetime free credit cards often offer rewards such as cashback on purchases, discounts on specific brands, and points that can be redeemed for various benefits. - Can I apply for multiple lifetime free credit cards?
Yes, you can apply for multiple lifetime free credit cards to take advantage of different rewards and benefits across various spending categories without worrying about annual fees. - How do I choose the best lifetime free credit card for my needs?
Consider factors like reward rates, cashback offers, travel benefits, and any additional perks like airport lounge access when choosing the best LTF credit card for your spending habits.
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