Top 5 Lifetime Free Credit Cards in India in 2021

Grab the Top 5 Lifetime Free Credit Cards which have got exclusive benefits on Shopping, Fuel, Entertainment, Food, Utility Bills, Insurance Premiums, and much more.

by FighterMan Updated: 22 Sep, 2021, 14:44 IST
101 41213

A Lifetime Free Credit Card gives you many benefits on shopping, fuel, entertainment, food, utility bills, and more. Moreover, you don't have to pay any joining or annual fees for this card. Therefore, if you are looking for one then we have got you the Top 5 Lifetime Free Credit Cards in India in 2021. These cards have proved their worth in the past and are expected to rule this year as well so let's have a look.

lifetime free credit cards
1. ICICI Bank Amazon Pay Credit Card

The Amazon Pay ICICI Card is offering up to 5% cashback on Amazon and 1% flat cashback on all other payments. It is co-branded with Amazon. This card has gained popularity in India due to its lifetime free feature.

ICICI Bank Amazon Pay Credit Card
Apply Here
ICICI Bank Amazon Pay Credit Card Features

This card has Rs 0 annual fees and thus is best suited for shopping. The best feature here is that you get 1% cashback on all transactions. Moreover, Amazon Prime members get 5% cashback every time on their transactions on Amazon. Besides, non-prime members get 3% cashback on Amazon.

ICICI Bank Amazon Pay Credit Card Dining Benefits

The ICICI Bank Amazon Pay Credit Card has great offers on dining. It's ICICI Bank Culinary Treats Program is one of them. Additionally, you get a min 15% discount on your dining expenses at all the tied-up restaurants.

2. ICICI Platinum Lifetime Free Credit Card
ICICI Platinum Lifetime Free Credit Card
Apply HereThe ICICI Platinum Lifetime Free Credit Card gives 15% savings via ICICI Culinary Treats Program. Moreover, you get Rs 100 discount on movie tickets via BookMyShow.

ICICI Platinum Lifetime Free Credit Card Features

This card has in-built contact less payment feature. You can earn reward points and then redeem it for cash which is a great advantage here. Talking about benefits, you get 25% discount twice a month on movie tickets via BookMyShow. Moreover, it has low interest rates so you can afford it. In addition, it also gives fixed deposit interests.

3. HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card
Apply HereThe HSBC Visa Platinum Credit Card is well known for its complimentary travel vouchers. Here, you get 10% cashback in the first 2 months of usage. Moreover, upto Rs 3000 of movie vouchers are up for grabs. Additionally, you save 15% on dining at many popular restaurants.
HSBC Visa Platinum Credit Card Features

This card comes with free joining. Here, you get 2 ClearTrip gift vouchers worth Rs 1000 after your 1st transaction. Moreover, it gives 10% cashback on spending done within the first 90 days. Additionally, enjoy 3X bonus points in which you get 6 points on every Rs 150 spent on dining, telecom, hotels, and other categories.

4. Kotak Bank Royale Signature Credit Card
Kotak Bank Royale Signature Credit Card
Apply HereThis card is best for travel, dining and shopping. It comes in two types so you can choose according to your budget. Thus, its really very good for travelers as one get free lounge access at airports in India.

1. 1st Year - 0

2. 2nd Year Onwards - 999. Waived on annual spends > 1 lakh

3. APR - 37.2% per annum

Kotak Bank Royale Signature Credit Card Features

The Kotak Bank Royale Signature Credit Card gives 2 free airport lounge visits per quarter at domestic airports in India. Then, you get 1% fuel surcharge waiver upto Rs 3500/year on all the fuel transactions between Rs 500-3000. Moreover, you get railway surcharge waiver of upto Rs 500/year.

Kotak Bank Royale Signature Credit Card Rewards
You get 4X reward points for every Rs 150 on dining, travel, air tickets, and international spends. Besides, grab 2X points on all other categories. One can pay with their reward. Once shopping is done you can ask the cashier to pay bill with your reward points at time of payment. You can also redeem points via net-banking.
5. Axis Bank Insta Easy Credit Card
Axis Bank Insta Easy Credit Card
Axis Bank Insta Easy Credit Card Features

You can avail of cash withdrawal of up to 100% of the limit on your credit card. Moreover, you will get a free credit period of up to 50 days on any purchases made on your card, with no charges levied. Besides, you have the flexibility to choose your own credit limit.

This card comes with exciting eDGE loyalty reward program. Additionally, when you Spend Rs 200 on Domestic then you earn 6 reward points. On the other hand when you spend Rs 200 on International then you earn 12 reward points. Besides, get 100 reward points on your 1st online transaction.

These were the top lifetime free credit cards. Which according to you is the best one and why? Do let us know in the comments below. A special thanks to our Dimer Rosh_0007 for the content in this article. You can also share your experiences with these type of credit cards below. You can also have a look on Top 5 ETFs in India to invest in 2021 using SIP.

101 Comments  |  
61 Dimers
  • Sort By
Deal Hunter Deal Hunter

So its not LTF right? Should not be part of your post or your post header is misleading?

Deal Cadet Deal Cadet

Please give comments if card is Really free or Waiver of fees. Need full free cards only

Deal Cadet Deal Cadet

Flipkart axis bank is the best and free and you didn’t mentioned it, bus faltu card like kotak

Deal Newbie Deal Newbie

I don’t think that any single one of them is LTF. Only 1st is free and from second year, you have to spend in lacs to waive off charges.

Deal Hunter Deal Hunter

Its not free bro.. there is an annual charge of 500+gst

However using cashback you can make it free or by spending 2lac in year

Deal Cadet Deal Cadet

How’s ICICI rubyx card if it’s coming LTF?

Deal Captain Deal Captain
anumod wrote:

Giving Waiver doent mean its life time free..

+infinity.
In this case, all CC’s should be termed as LTF itself if their min spend condition is fulfilled laughing

Deal Newbie Deal Newbie

Received ICICI HPCL Coral Credit Card LTF based on CIBIL Score

Post Tycoon Post Tycoon
sj26374501 wrote:

Received ICICI HPCL Coral Credit Card LTF based on CIBIL Score

How u applied??can u pls explain step by step i too have 790+ cibil

Deal Cadet Deal Cadet

How to get axis bank cc? I have all banks cc but not axis everytime applying they are rejecting though cibil score is good..do I need to open account in axis bank? Please help

Deal Newbie Deal Newbie

bro unable to apply for Amazon ICICI Card?….. whenever i click on ‘Apply Now’ It takes me to bankbazar.com taking some information for checking up the credit card score…..Can anybody tell me how to apply for Amazon ICICI credit card????

Deal Newbie Deal Newbie
parulsinngh wrote:

Flipkart axis bank is the best and free and you didn’t mentioned it, bus faltu card like kotak

bro how can u say Flipkart Axix Card is free…. It’s only free for the 1st year…zand after that will have have to pay 500₹ per annum 


https://cdn0.desidime.com/attachments/photos/672579/medium/Screenshot_2021-03-20-01-37-10-771_com.flipkart.android.jpg?1616184563https://cdn0.desidime.com/attachments/photos/672580/medium/Screenshot_2021-03-20-01-37-01-835_com.flipkart.android.jpg?1616184625

Deal Cadet Deal Cadet
Joker_Phodger wrote:

bro unable to apply for Amazon ICICI Card?….. whenever i click on ‘Apply Now’ It takes me to bankbazar.com taking some information for checking up the credit card score…..Can anybody tell me how to apply for Amazon ICICI credit card????

You can apply it from your Amazon account, and this one is my fav of all 5 mentioned as it is truly LTF card without T&C

Deal Cadet Deal Cadet
Expand
Joker_Phodger wrote:

bro how can u say Flipkart Axix Card is free…. It’s only free for the 1st year…zand after that will have have to pay 500₹ per annum 


https://cdn0.desidime.com/attachments/photos/672579/medium/Screenshot_2021-03-20-01-37-10-771_com.flipkart.android.jpg?1616184563https://cdn0.desidime.com/attachments/photos/672580/medium/Screenshot_2021-03-20-01-37-01-835_com.flipkart.android.jpg?1616184625

That too 2nd year annual fee waive off on spends of 2.5 lakh, using it for Cred rent payment to reach that limit, if your spends are less or have any premium card which give rewards more than 1.5%.. then it is not a good card for you…

Cool Cool

What’s about HDFC regalia credit card?
1 got a call and offer me upgrad credit card money back to regalia with LTF benifit

Entertainer Entertainer
Admin
parulsinngh wrote:

Flipkart axis bank is the best and free and you didn’t mentioned it, bus faltu card like kotak

Now its not free.. it charges Rs.500

Entertainer Entertainer
Admin
Joker_Phodger wrote:

bro unable to apply for Amazon ICICI Card?….. whenever i click on ‘Apply Now’ It takes me to bankbazar.com taking some information for checking up the credit card score…..Can anybody tell me how to apply for Amazon ICICI credit card????

You can contact Bankbazaar CC or you directly apply via amazon app!

Entertainer Entertainer
Admin
mikhiljee wrote:

What’s about HDFC regalia credit card?
1 got a call and offer me upgrad credit card money back to regalia with LTF benifit

may be for selected Customer!!

Deal Cadet Deal Cadet
parulsinngh wrote:

Flipkart axis bank is the best and free and you didn’t mentioned it, bus faltu card like kotak

I admire your comment on Kotak.

replyuser