A lifetime free credit card is a credit card with zero joining and annual fees, i.e., they are free for a lifetime. The joining fee is a one-time charge that is to be paid at the time of application for a credit card. The annual fees are charged on a recurring basis, as it is to be paid each year till the time the card is owned. However, the cardholders are still liable for some other charges, like finance charges, cash withdrawal charges, etc., depending on the credit card type.

Top 5 Lifetime Free Credit Cards You Should Know
- HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card is an entry-level card that is basically for individuals who are new to the credit scene. The best part about this card is that it provides a sign-up bonus of INR 2,250, which is a decent offer compared to other lifetime-free cards available on the market.
Salient Features
- No joining and annual fees associated with HSBC Visa Platinum Credit Card.
- Introductory benefits up to INR 6,350 with 3 complimentary domestic and international airport lounge access or 3 Air Dine vouchers.
- Get your Air miles on InterMiles, Singapore Airlines, and British Airways converted.
- 5-times (5X) rewards on subsequent purchases made after crossing the spend amount of INR 400,000 with a max 15,000 accelerated reward points in an anniversary year.
- Up to INR 3,000 annual savings on fuel surcharge.
- In case of loss/ theft, there is no liability for the transactions made after the report is registered.
- Amazon Pay ICICI Bank Credit Card
It is a co-branded card issued by ICICI Bank in collaboration with Amazon Pay India Private Limited and Visa. Its mechanism has been designed in such a way as to provide earnings for every purchase in the form of Amazon Pay Gift Cards redeemable into the Amazon Pay balance associated with the Amazon account.
Salient Features
- There are no annual or joining fees.
- There is no limit or expiry date on the rewards earned using this card
- There is no minimum redemption amount and no fees for redeeming earnings.
- Reward earnings can be used to purchase over 10 crore products at www.amazon.in and more than 100 Amazon Pay partner merchants.
- No cost EMI – 3 and 6 months on amazon.in
- IDFC First Millennia Credit Card
IDFC has come up with a new credit card for the first time, i.e., the IDFC Millennia Credit Card, apart from loans and advances. It has come with a lot of benefits and rewards with no annual fees.
Salient Features
- Get a Welcome Gift Voucher of INR 500 within 90 days from the date of issuance of the card when INR 15000 are spent.
- Enjoy a Cashback of 5% within 90 days from the date of card issuance after the first EMI Transaction.
- Earn 10X Reward Points on all transactions above INR 20000.
- Earn 3X Reward Points on all offline spends.
- Enjoy 6X Reward Points on all online spending.
- Get 10X reward points in your birthday month.
- There is no upper limit on RPs.
- Redeem your reward points anytime, as they do not expire.
- Earn 1 reward point per INR 200 on every transaction.
- Get 4 complimentary railway lounge visits every quarter.
- The value of 1 RP is 0.25 paisa; that is, 4 reward points equals 1 rupee.
- Get a discount of 25% on booking movie tickets every month, a maximum of up to INR 100.
- Get a Discount of 15% at more than 3000 health and wellness outlets.
- Get a Discount of up to 20% at more than 1500 restaurants across India.
- Get a Personal Accident Cover of up to INR 2 lakhs.
- Get Complimentary Roadside Assistance worth INR 1,399
- Get the flexibility to convert transactions into easy EMIs above INR 2500.
- Transfer balances from other bank credit cards with the help of the balance transfer feature.
- Get a 1% fuel surcharge waiver up to INR 200 every month at the fuel stations.
- Get a Lost Card Liability Cover on a complimentary basis worth INR 25000.
- Get interest-free cash withdrawals from ATMs for up to 48 days.
- No Add-on Charges.
IndusInd Bank Legend Credit Card
With IndusInd Bank Legend Credit Card, you will have the ultimate power to elevate your lifestyle in a world full of luxury. It is a reward and travel-oriented card that offers accelerated earnings on weekend expenditures. It is a premium card targeting high-net-worth individuals.
Salient Features
- Get buy 1 get 1 offer on booking movie tickets via BMS.
- Get a fuel surcharge waiver of about 1% at fuel stations all across India.
- Get 1 Reward point on every INR 100 spent on weekdays.
- Get 2 RPs for every 100 spent on weekends.
- Get a host of services for your trip with respect to flight bookings, hotel booking, or any other support.
- Get concierge assistance to attend events and for booking shows.
- Arrange gifts and flowers for someone special.
- Get a complimentary stay at any of the Oberoi hotels in India.
- Get access to 30+ premium and luxurious brands.
- Get access to 2 complimentary domestic airport lounges per quarter.
- Get a complimentary air accidental cover worth INR 25 lakhs.
- Other benefits include:
Insurance Coverage | Sum Assured |
Lost Baggage | INR 1,00,000 |
Delayed Baggage | INR 25,000 |
Loss of Passport | INR 50,000 |
Lost Ticket | INR 25,000 |
Missed Connection | INR 25,000 |
- IDFC First Select Credit Card
This Card is one of the 3-lifetime cards launched by IDFC FIRST Bank, namely- IDFC FIRST Millennia and IDFC FIRST Wealth Card.
This variant, i.e. Select, is somewhat similar to the IDFC FIRST Wealth Card as both of them provide low forex markup fees, lounge access, and other travel-related benefits. However, though the IDFC Select Card is a good option for domestic travel, IDFC Wealth also turns out to be a better option for international travellers.
Salient Features
- Get reward points a maximum of up to 10X times that will never expire
- Get movie and dining offers
- Avail of credit cards at a low rate of interest
- Get complimentary domestic airport lounge access for a maximum of up to 4 per quarter.
- Get complimentary Railway Lounge access for a maximum of up to 4 per quarter.
- Enjoy a low Foreign currency markup at 1.99%
- Interest-free cash withdrawal
- Roadside Assistance and travel insurance
Conclusion
In the case of a lifetime free credit card with low annual spending, the above-mentioned list is the one from which one can avail of maximum benefits even without any significant expense. These cards are best suited for beginners who have started their professional journey.

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