Best Lifetime Free Credit Cards in India
Genuinely ₹0 joining and ₹0 renewal — no spend conditions hiding in the fine print. The safest way to start or expand your card portfolio.
Amazon Pay ICICI Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
5% back on Amazon for Prime members (3% non-Prime)
Platinum Chip Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
2 points per ₹100 on retail spends
Platinum Aura Edge Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
Choose your own rewards plan (shopping/dining/travel weighting)
EazyDiner Platinum Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
EazyDiner Prime membership — up to 50% off dining
Legend Credit Card
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Joining: ₹0 (offer-based)
Annual: ₹0 — lifetime free
Priority Pass with 600+ airport lounges
FIRST Millennia Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
10X points on spends above ₹20k/month and birthday spends
FIRST Classic Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
3X–10X reward structure on incremental spends
FIRST Select Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
Domestic lounge visits on ₹20k monthly spends
FIRST Wealth Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
Domestic + international lounge and spa access on spends
AU LIT Credit Card
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Joining: ₹0
Annual: ₹0 — features priced à la carte
Turn benefits on/off monthly — cashback, 10X rewards, lounge, memberships
HSBC Visa Platinum Credit Card
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Joining: ₹0
Annual: ₹0 — lifetime free
2 points per ₹150; 5X after ₹4L annual spends
Not sure which lifetime free card fits best?
Tell us your number — an advisor calls back with the top 2–3 matches for your spending. No credit-score impact.