There are credit cards that have no annual or initiation fees for the rest of their lives. They may work well for young professionals or students who want to avoid paying expensive credit fees and penalties. We will conduct a thorough review of best lifetime free credit cards in 2023 and provide you with in-depth insights about each in this article.

When looking for the best credit card for yourself, the annual fee is a crucial consideration to take into account. Almost everyone wants a credit card that will offer them the greatest benefits for the least amount of money in fees. Since they don’t want to pay anything for a credit card, some people even search for credit cards that are lifetime free. Nearly all card issuers provide certain lifetime free credit cards in response to such consumer demands.

India’s credit cards have a range of yearly fees. In some circumstances, the annual fee is required.

But in three situations, you might discover the greatest free credit card in India.

• A few credit cards give new customers welcome gifts that are at least as much as the sign-in fees. Thus, there will be no net cost.
• If you spend a particular amount on your credit card each year, you can avoid paying the annual fee. For that calendar year, the card will be free.
• In India, there are not many credit cards that are free for life.

Spendthrifts are not very concerned about the annual charge for credit cards. However, for individuals like you and me, conserving even a small amount of money is important.

Best Lifetime Free Credit Cards In India 2023

1)IDFC FIRST Select Credit Card

Best Lifetime Free Credit Card with Travel and Lifestyle Benefits

For those seeking a high rewards rate, the IDFC First Select Credit Card is a lifetime free card. This card operates on an incremental spend reward points mechanism, whereby the earning grows after you hit a specific spending milestone. As a result, the more you spend, the more you earn.

Important Points

• 10X reward points are awarded for every Rs. 25,000 in additional purchases made each billing cycle.
• Up to Rs. 25,000 in monthly online purchases at 6X reward points
• Up to Rs. 25,000 in monthly offline purchases at 3X reward points
• 500 rupee gift vouchers upon spending Rs. 15,000 within 90 days of card activation, and 5% cashback on your first EMI transaction within the same time frame.
• Twice per month, the Paytm mobile app is offering a buy one get one deal when purchasing movie tickets (up to Rs. 250 per ticket).
• Free use of domestic airport lounges (four per quarter)
• Access to the railway lounge is free (four times per quarter)
• 1.99% is a minimal foreign currency markup fee.

pros	cons
Birthday rewards at 10X	One reward point is only worth Rs.0.25.
Online purchases may earn up to 6X rewards, subject to restrictions.	Insurance payments, fuel purchases, EMI payments, and cash withdrawals are not eligible for reward points.
Low interest rate, with rates as low as 9% per year.
unlimited, never-ending reward points

2)Amazon Pay ICICI Credit Card

Best Lifetime Free Credit Card with Co-branded Cashback Benefits

In October 2018, the ICICI Bank and Amazon collaborated to develop the Amazon Pay ICICI Credit Card. It aims to make it easier for consumers who want to shop on Amazon and utilise its popular premium membership service Amazon Prime at the same time. It is a lifetime free card, meaning there are no yearly fees, and it is a simple, easy-to-use card for consumers who want to shop on Amazon.

Important Points

• For Prime members, Amazon offers 5% back on purchases.
• Amazon offers non-prime customers 3% cashback.
• 100+ Amazon Pay partner merchants provide 2% cashback.
• 1% rebate on all other purchases
• 15% discounts and promotions at a few partner restaurants in India
• 1% of gasoline surcharges at Indian petrol stations have been waived.

pros	cons
Unlimited, never-expiring reward points.	One reward point is only worth one cent.
Amazon India offers up to 3% cashback on more than 10 million products and up to 2% cashback at more than 100 Amazon Pay partner retailers.	Credit card for invite-only use
The website of Amazon India offers free EMIs for up to 3 and 6 months.	Only subscribers to Amazon Prime are eligible for the maximum discount on purchases.

3)RBL Bank Insignia Preferred Banking Credit Card

The elegant RBL Insignia Preferred Banking Credit Card offers a variety of well designed incentives and opulent vacations. Golf retreats, customised retail experiences, and other specialised services are available to cardholders.

Important Points

• For every Rs. 100 spent on domestic transactions, you receive 5 reward points.
• For every Rs. 100 spent on foreign transactions, 10 reward points are earned.
• Under the MasterCard lounge access programme, two people are given free admission each quarter.
• Priority Pass membership includes six free annual trips to foreign lounges.
• 30,000 rupees in travel perks were received last year on an expense of 8 lakh rupees.
• Flat Rs. 500 discount of BookMyShow movie ticket purchases.
• Concierge services are available around-the-clock for help with bookings of all kinds.
• 4 free rounds of green fees each year, with a maximum of 1 round per month.
• 12 free golf lessons each year, with a maximum of 1 per month.
• Beyond the sessions that are free, there is a 50% green fee waiver.
• 1% of fuel surcharges are waived for transactions between Rs. 500 and Rs. 4,000 (with a monthly maximum).

pros	cons
Priority Pass offers six free lounge visits each year.	Waiver of fuel surcharges is limited to Rs.250 per month.
10 reward points for every 100 dollars spent abroad.	Only Insignia MasterCard holders are eligible for the free golf concierge service.
Waiver of the 1% fuel surcharge on any purchases between Rs.500 and Rs.4,000.	In the month of the anniversary, milestone benefits are available.
A special dinner occasion

4) Bank of Baroda Prime Credit Card

If you have a fixed deposit of at least Rs.15,000, you won’t need to present proof of income to obtain this card. You don’t have to pay any annual fees if you use the credit card as a lifetime free card. Consequently, you have a longer time to hold this card.

Important Points

• Get a credit card with guaranteed issuance by making a fixed deposit of at least 15,000 rupees.
• Rewards Programme: Earn one reward point for every one hundred dollars spent on certain MCCs*; earn two reward points for every one hundred dollars spent on all other MCCs.
• Free for life card with no joining or yearly fees
• Fuel cost Waiver – On fuel purchases between Rs. 400 and Rs. 5,000, there is no fuel cost up to Rs. 250 per hour.
• Purchases bought with the card that total more than Rs. 2,500 can be spread out over 6 to 36 months in EMIs.
• 3 free add-on cards are available for members of your immediate family who are at least 18 years old.
• Interest-Free Period – From the date of any purchase, there is a maximum of 50 days of interest-free time.

pros	cons
Cashback for all purchases	Fuel fee waiver is limited to Rs.250 per month.
No fuel surcharge	Fuel purchases do not earn rewards points.
A variety of reward redemption possibilities	Only 1 reward point is awarded for purchases from some vendors.
No responsibility for lost or stolen cards
Interest-free finance for 50 days from the purchase date

5)ICICI Bank Platinum Chip Credit Card

The ICICI Bank Platinum Chip credit card has no annual fee, so you may save a tonne of money on all of your purchases. With this card, you can accumulate reward points at a rate of up to two per dollar spent. Reward points can be redeemed for cashback among other things. Through the ICICI Bank Culinary Treats Programme, it also gives its customers enticing discounts on dining at more than 2500 restaurants in India. Additionally, cardholders can save 1% on all of their fuel purchases at HPCL pumps.

Important Points

• Reward Programme: The following ways will allow you to earn up to 2 reward points on qualified purchases:
• 100 rupees spent on utilities and insurance equals one reward point.
  Spending Rs. 100 on retail purchases earns you 2 reward points (excluding petrol).
• Get movie and vacation vouchers, lifestyle products, and other merchandise using your reward points. Exciting Options for Redeeming Rewards.
• Dining Discounts: With your ICICI credit card, you may save up to 15% on dining expenses at more than 2,500 restaurants nationwide.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions up to Rs 4,000 at Hindustan Petroleum fuel stations.

pros	cons
Contactless technology is used to improve your shopping experience.	The applicant must be at least 23 years old.
A selection of presents and gift cards can be obtained by exchanging reward points.	On an annualised basis, late fees might be as high as 40.8%.
Online applications are simple.

6)Dhanlaxmi Bank Platinum Credit Card

You are given a “world of privileges” with this card. You can treat yourself with improved shopping advantages, a specially selected great dining experience, or adventurous travel. Additionally, you will have access to an online concierge service.

Important Points

• Platinum Privileges – Enjoy benefits for a variety of opulent activities, including golf, dining, and travel.
• 5% cashback is available on purchases made at supermarkets and department stores.
• Free insurance coverage is available. The list of covered events is extensive and includes travel document loss, accidental death, permanent total disability, and check-in baggage loss.
• Get international aid in case of emergency by contacting this person.
• Help with finances and budgeting – Make a budget that works for you using the emPower app.
• Lower interest rates are available with this credit card. Attractive Interest Rates.
• Use the assistance of the online concierge to get what you require.

pros	cons
those that desire free credit card insurance.	Clients who want to accrue miles for flights.
those who are interested in travel,golf,and dining.	customers who demand top -notch amenities customers.
those in need of concierge services	who desire a large selection of rewards catalogue options.

7)Axis Bank MY ZONE Credit Card

Bank Axis Benefits are available for shopping, dining, and entertainment with the My Zone Credit Card. With this card, you can get decent discounts from well-known websites like AJIO and Swiggy as well as free access to airport lounges and a free annual SonyLiv membership. There aren’t many lifetime-free credit cards that provide advantages across as wide a range of categories. Continue reading to learn more about this card and discover if it’s a good fit for you.

Important Points

Buy One Get One Free on Movie Tickets:

You can enjoy a 100% discount on the second movie ticket at Paytm Movies using your My Zone Credit Card. Here are some things to think about:

• The maximum discount per customer for a calendar month is Rs. 200.
• To receive the discount, enter the promo code “AXIS200”.
• On movie transactions, there are no reward points gained.

40% off on Swiggy

• The maximum discount per order is Rs. 120.
• The promotion is valid with a minimum purchase of Rs. 200.
• To receive the discount, enter the promo code “AXIS40”.
• The discount is available up to four times per month.

Free SonyLiv 1 Year Subscription

You will receive a free SonyLiv Premium annual subscription worth Rs. 999 when you use this card for the first time during the first 30 days of card issuance. The voucher code will be sent to the qualified customers’ registered cellphone numbers through SMS. If you spend Rs. 1.5 lakh during the card anniversary year, you are also eligible for the SonyLiv Premium membership renewal.

Flat Rs. 600 off at Ajio

On a minimum purchase of Rs. 2,000, you will receive a flat discount of Rs. 600 at AJio. To receive the discount, enter the promo code “AXISMYZONE”. Additionally, only certain styles are eligible for this promotion.

Reward Points

The following information explains how you can use your Axis Bank My Zone Credit Card to earn EDGE reward points on every purchase you make:

• With this credit card, you earn 4 EDGE reward points for every Rs. 200 spend.

Other Benefits of Axis Bank My Zone Credit Card

The additional advantages of the Axis Bank My Zone Credit Card are as follows:

• 1 free pass per calendar quarter to particular airport lounges in India
• 1% of fuel transactions between Rs. 400 and Rs. 4,000 are exempt from the fuel fee (up to Rs. 400 every statement cycle).
• Your transactions of Rs. 2,500 and above should be converted to EMIs.
• ‘Dining Delights’ programme partners with restaurants in India and offers discounts of up to 20%.

pros	cons
Up to 15% off at participating restaurants.	The exclusion of the fuel cost only applies to transactions in India.
A 1% fuel surcharge exemption.	It may take the bank up to 21 days to let you know the outcome of their decision about your credit card application.
Free access to airport lounges.	Only a few channels provide the lifetime free deal.
Annual SonyLiv Premium membership.	The Swiggy discount is only available on orders totaling 200 and is capped at 120.
	Only if you complete your first transaction within 30 days are you eligible for a SonyLive subscription worth Rs.999.

8)HSBC Visa Platinum Credit Card

Best Lifetime Free Credit Card for Movies and Cashback

HSBC Visa Platinum Credit Card is best suited for people looking for shopping and travel benefits without having to pay any annual fee on the card. Within 30 days of receiving their card, new cardholders can also take advantage of welcome benefits with a minimum transaction of 2,500. Additionally, they are eligible for 10% cashback on any credit card purchases made in the first 30 days, up to a maximum of 2,000.You get cashback and movie vouchers on reaching the set spending milestone. Reward earnings are also higher after reaching the Rs. 4 lakh milestone.

Important Points

• Swiggy vouchers worth Rs. 250 and Rs. 500 in Amazon vouchers according to the introduction offer
• Three free passes to domestic and international airport lounges, or three welcome AirDine vouchers
• When you complete at least 5 eligible transactions totalling Rs. 10,000 or more in the first 90 days of card activation, you will receive 10% cashback (up to Rs. 2,000).
• Spend a total of Rs. 4 lakh in a calendar year to receive 5X rewards on all ensuing transactions.
• Offer from BookMyShow for tickets purchased on Saturday is buy one get one free.

pros	cons
Three free passes to airport lounges or three AirDine meal coupons.	The three meal coupons are only valid in Indian airports.
Up to 3,000 in fuel surcharge savings.	The maximum 5X accelerated incentive offered is Rs.15,000 and is only accessible during the anniversary year.
5X incentives on purchases made after spending the required amount of 40,000 rupees.	It could take up to 14 days for your card application to be processed. Additionally, after approval, it can take up to 7 business days for you to get the card.
250 in Amazon and Swiggy gift cards are available when you sign up.	There will be a fee for using an ATM outside of the country and a currency conversion fee.