Best lifetime free credit cards in India
Cards with no joining or annual fee, ranked for a typical spending pattern of about ₹42,000 a month.
1. Scapia Federal Bank Credit Card
Lifetime free · about ₹8,520 a year after fees on this spending.
A strong free card for anyone who travels, especially abroad, because it charges no forex markup and pays about 2% in travel coins on everyday spends. If you never book trips, the coins are hard to use, so a plain cashback card will suit you better.
2. Amazon Pay ICICI Bank Credit Card
Lifetime free · about ₹5,820 a year after fees on this spending.
A near-automatic pick for anyone who shops on Amazon and has Prime: it costs nothing and the 5% has no cap. If you rarely use Amazon, the 1% elsewhere and the growing list of excluded categories make it an average card.
3. IDFC FIRST Millennia Credit Card
Lifetime free · about ₹2,475 a year after fees on this spending.
A good free card for young earners who eat out, order food and travel or shop abroad, since those spends earn about 1.25% and there is no forex markup. For general shopping and bills its return is low, so pair it with a stronger everyday card.
4. IDFC FIRST Wealth Credit Card
Lifetime free · about ₹2,475 a year after fees on this spending.
One of the best free cards for spending abroad, since there is no forex markup and foreign spends earn about 1.25%. It also suits people who dine out and travel often. Its everyday return and lounge access are thin after the 2026 cuts, so it works best as a travel and dining card next to a stronger everyday card.
5. Kiwi RuPay Credit Card (YES Bank Klick)
Lifetime free · about ₹2,340 a year after fees on this spending.
Worth getting if you pay at shops by scanning UPI QR codes, since it turns those payments into 1.5% back at no cost. If you mostly shop online or pay bills, its 0.5% rate is weak, so pair it with a better card.
6. OneCard Metal Credit Card
Lifetime free · about ₹828 a year after fees on this spending.
A tidy free card for someone who wants a metal card, a good app and a low 1% forex markup. Its rewards are modest: about 1% only on your top two categories and 0.2% elsewhere. People chasing high rewards on shopping or bills will do better with other cards.