A lifetime free (LTF) credit card has no joining fee and no annual fee — not in the first year, not ever. You get the convenience, rewards and credit history of a credit card without worrying about a renewal charge.
They're the safest choice for a first card, a backup card, or a card you only use for a few things like UPI payments or online shopping. Many of the cards below also work on UPI, so you can earn rewards while you scan and pay.
⚡ High approval🆓 Lifetime free
Roarbank × Unity SFB
RuPay
★ 4.1 / 5
Up to 20% cashback on 2 categories you pick each month
- 🎯Up to 20% back on 2 categories you choose
- 📲2-in-1 with UPI savings + credit in one app
- ⏳62 days interest-free credit
Annual feeLifetime Free
RewardsUp to 20% cashback
Apply Now — it's free →
⭐ Top pick🆓 Lifetime free
Axis Bank
Neo RuPay
★ 4.0 / 5
10% off Blinkit, Myntra & BookMyShow — lifetime free
- 🛒10% off Blinkit up to ₹250/month
- 🎬10% off BookMyShow up to ₹100/month
- 🍔₹120 off Zomato twice a month
Annual feeLifetime Free
RewardsUp to 10% off on partners
Apply Now — it's free →
⭐ Top pick🆓 Lifetime free
Axis Bank
LIC Signature
Visa
Axis Bank
LIC Signature
★ 3.9 / 5
Lifetime free card with 8 airport lounge visits
- 🆓Lifetime free no fees ever
- ✈️8 lounges/year domestic airports
- 📄2X on LIC insurance premiums
Annual feeLifetime Free
Rewards1 – 2 EDGE points / ₹100
Apply Now — it's free →
🆓 Lifetime free
Scapia × Axis Bank
Scapia
★ 4.6 / 5
Free travel card: 0% forex + unlimited lounge access
- 🌍0% forex in 180+ countries
- ♾️Unlimited lounges domestic, on ₹20k monthly spend
- 🧳4% back on Scapia app travel bookings
Annual feeLifetime Free
Rewards1% – 4% value back
Apply Now — it's free →
🆓 Lifetime free
Uni × BOBCARD
GoldX
RuPay
Uni × BOBCARD
GoldX
★ 4.3 / 5
1% back as real 24K digital gold, plus 0% forex abroad
- 🪙1% in 24K gold on every eligible spend
- 🌍0% forex on international spends
- 📲1% on UPI RuPay scan & pay
Annual feeLifetime Free
Rewards1% – 5% back in gold
Apply Now — it's free →
🆓 Lifetime free
IDFC FIRST Bank
FIRST Classic
★ 4.2 / 5
Lifetime free card with up to 10X rewards and railway lounges
- 🔟Up to 10X on spends above ₹20k/month
- 🚆16 railway lounges 4 every quarter
- 🆓Lifetime free no annual fee ever
Annual feeLifetime Free
Rewards3X – 10X reward points
Apply Now — it's free →
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🆓 Lifetime free
YES Bank × POP
POP-Club
RuPay
YES Bank × POP
POP-Club
★ 4.2 / 5
10 POPcoins on every ₹100 online, extra 5% on POP UPI
- 🛒10 POPcoins / ₹100 on online spends
- 📲+5% on UPI via the POP UPI app
- 🎁₹5,000 welcome perks Cleartrip, Zomato & more
Annual feeLifetime Free
Rewards2% – 10% in POPcoins
Apply Now — it's free →
🆓 Lifetime free
Lifetime free card whose points transfer to 20 airlines & hotels
- 🆓Lifetime free no spend conditions
- ✈️Up to 6X on travel via HSBC portal
- 🔁20 partners airline & hotel transfers
Annual feeLifetime Free
Rewards2 – 10 points / ₹150
Apply Now — it's free →
🆓 Lifetime free
IDFC FIRST Bank
FIRST WOW!
★ 4.1 / 5
Lifetime free FD card with 0% forex and guaranteed approval
- ⚡Instant approval against an FD
- 🌍0% forex on international spends
- 🆓Lifetime free no joining or annual fee
Annual feeLifetime Free
Rewards3X – 10X reward points
Apply Now — it's free →
🆓 Lifetime free
ZET × SBM Bank
ZET
★ 4.0 / 5
No income proof needed — build your credit score with an FD-backed card
- 🛍️5% back on Amazon & Flipkart vouchers
- 📲2% on UPI with ZET Plus membership
- 🏦FD-backed from ₹2,000, earns ~7%
Annual feeLifetime Free
RewardsUp to 5% on vouchers, 2% on UPI
Apply Now — it's free →
🆓 Lifetime free
Kotak Mahindra Bank
League Platinum
Visa
Kotak Mahindra Bank
League Platinum
★ 4.0 / 5
Lifetime free card with up to 8 free PVR tickets a year
- 🎬8 PVR tickets a year, spend-linked
- ⭐8 points / ₹150 on select categories
- 🆓Lifetime free on current offer
Annual feeLifetime Free
Rewards4 – 8 points / ₹150
Apply Now — it's free →
🆓 Lifetime free
Novio × DCB Bank
Novio
RuPay
Novio × DCB Bank
Novio
★ 3.9 / 5
Instant FD-backed card with up to 10% novio coins on UPI
- ⚡Instant approval against an FD from ₹2,000
- 📲Up to 10% coins on UPI spends
- ✈️4 lounges/year with FD ₹25,000+
Annual feeLifetime Free
RewardsUp to 10% in novio coins
Apply Now — it's free →
🆓 Lifetime free
RBL Bank
Shoprite
Mastercard
RBL Bank
Shoprite
★ 3.8 / 5
20 reward points per ₹100 on groceries, lifetime free
- 🛒20 pts / ₹100 on grocery shopping
- 🎬10% off BookMyShow tickets
- 🎁2,000 points welcome bonus
Annual feeLifetime Free
Rewards0.25% – 5% value back
Apply Now — it's free →
🆓 Lifetime free
AU Small Finance Bank
Altura Plus
Visa
AU Small Finance Bank
Altura Plus
★ 3.8 / 5
1.5% cashback in shops + reward points online
- 🏪1.5% cashback on offline (POS) spends
- 🛒2 pts / ₹100 on online spends
- 🚆Railway lounges complimentary access
Annual feeLifetime Free
Rewards0.5% – 1.5% value back
Apply Now — it's free →
🆓 Lifetime free
AU Small Finance Bank
LIT
Visa
AU Small Finance Bank
LIT
★ 3.7 / 5
India's first build-your-own credit card — lifetime free
- 🧩Pick features from ₹49 per 90 days
- 🆓Lifetime free base card costs nothing
- 🛒5% cashback on grocery & apparel add-on
Annual feeLifetime Free
RewardsUp to 10X points / 5% cashback
Apply Now — it's free →
Are lifetime free credit cards really free?
Yes — there is no joining or annual fee. You only pay charges if you use certain services, like paying your bill late, withdrawing cash, or carrying a balance (interest).
Which lifetime free card is best for beginners?
Look for cards marked ⚡ High approval or tagged for first-time users. FD-backed cards need no income proof or credit history at all.
Can a bank start charging an annual fee later?
Banks can change terms with notice, but cards launched as lifetime free rarely do. Always check the latest terms on the bank's page before applying.
Do lifetime free cards help build a credit score?
Yes. Using any credit card and paying the full bill on time every month is one of the easiest ways to build a good credit score.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.
