Top 5 Lifetime Free Credit Cards in India in 2024

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: 09 Jan, 2024, 17:26 IST
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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 2024. These cards have proved their worth in the past and are expected to rule this year as well so let’s have a look.

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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.


https://cdn0.desidime.com/attachments/photos/672520/medium/iciciAmazCreditC.png?1616155836


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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

https://cdn0.desidime.com/attachments/photos/672522/medium/iciciPlatCC.png?1616156725


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

https://cdn0.desidime.com/attachments/photos/672524/medium/hsbcVisaPlatCC.jpg?1616157551


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

https://cdn0.desidime.com/attachments/photos/672527/medium/Kotak-Royale-Signature-Card.jpg?1616158256


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


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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.

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FighterMan aka Sahil Hitesh Ajmera is a 4+ Years Experienced Content Writer with 1.2M+ User Sessions, 486.41% max growth, and 1000+ Articles across Best Products, OTT, Telecom, Online Shopping, Finance, Credit Cards, Saving Tips, Deals & Offers, more!
Top Comments
Deal Cadet Deal Cadet
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Giving Waiver doent mean its life time free..
Pro Deal Legend Pro Deal Legend
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So its not LTF right? Should not be part of your post or your post header is misleading?

Deal Cadet Deal Cadet
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Flipkart axis bank is the best and free and you didn't mentioned it, bus faltu card like kotak
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Pro Deal Legend Pro Deal Legend
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How is Kotak Bank Royale Signature Credit coming as LTF?

Generous Generous
Admin
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No charges for 1st Year – https://www.bankbazaar.com/credit-card/kotak-ro...

  • 1st Year – 0
  • 2nd Year Onwards – 999.Waived on annual spends > 1 lakh
  • APR – 37.2% per annum
Deal Newbie Deal Newbie
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Royale signature is a good card

Deal Cadet Deal Cadet
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Giving Waiver doent mean its life time free..
Benevolent Benevolent
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+infinity.
In this case, all CC’s should be termed as LTF itself if their min spend condition is fulfilled laughing

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

Deal Captain Deal Captain
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+100

@FighterMan Please correct and don’t mislead.

Deal Cadet Deal Cadet
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Please give comments if card is Really free or Waiver of fees. Need full free cards only
Deal Cadet Deal Cadet
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Flipkart axis bank is the best and free and you didn't mentioned it, bus faltu card like kotak
Post Mogul Post Mogul
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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

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Deal Newbie Deal Newbie
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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 Cadet Deal Cadet
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I have four cards all are LTF.
1.Yes prosperity reward plus.
2. ICICI CORAL credit card.
3 HDFC regalia first credit card.
4. IDFC FIRST Bank select card.

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Pro Deal Legend Pro Deal Legend
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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
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How’s ICICI rubyx card if it’s coming LTF?

Benevolent Benevolent
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I don’t think so.

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Deal Newbie Deal Newbie
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Received ICICI HPCL Coral Credit Card LTF based on CIBIL Score

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

The PostMighty The PostMighty
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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

Blaze Blaze
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If u open account they will give u card

Post Mogul Post Mogul
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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 Cadet Deal Cadet
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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

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Generous Generous
Admin
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thanks for the update!!

Deal Cadet Deal Cadet
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Lol

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

Generous Generous
Admin
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may be for selected Customer!!

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Deal Newbie Deal Newbie
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Only best card as of today is Axis ACE. 499 annual fee waived off is 2L spent. Better than Amazon and Flipkart cards. Gives 2% cash back on all spends .

Deal Newbie Deal Newbie
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I agree

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Deal Cadet Deal Cadet
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We’re is regalia .

Deal Cadet Deal Cadet
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Sorry, no offers available at the moment!
F***

Deal Cadet Deal Cadet
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I think the cards with wallet partner like ola sbi, amazon icici, flipkart axis are best in term of cashback rather than normal bank cc. Btw I have amazon & flipkart cc only.

Deal Newbie Deal Newbie
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Its taking to bankbazaar … Spamming site

Deal Newbie Deal Newbie
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Kotak cards should not be in this post.

Deal Subedar Deal Subedar
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I have

ICICI Rubyx
IndusInd pinnacle
SBI simplyclick
Axis Ace
Axis Flipkart
Amazon ICICI
HDFC business moneyback
Onecard
Axis myzone

I’ll cancel Axis Flipkart, because Flipkart is very bad in order cancellation.

Commentator Commentator
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How. is indusind pinnacle. Is it Ltf with one time joining fee ? How much u paid one time fee.

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Deal Cadet Deal Cadet
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do we get 1.5% cb on using axis flipkart card on cred rent payment?

Deal Cadet Deal Cadet
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Yes but there is commision for rent payment

Deal Cadet Deal Cadet
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I got IDFC First Wealth Card with Rs 5lac limit.

Lifetime free card.

Deal Cadet Deal Cadet
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Wow congratz bro.. how did u achieve it?

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Deal Subedar Deal Subedar
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I’m not sure if sbi simply click I just received is ltf  after payment of issuance fees. If it is, then it’s and of the best cards.https://cdn0.desidime.com/attachments/photos/672996/medium/IMG_20210322_114834.jpg?1616411745

Deal Cadet Deal Cadet
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I will recommend 1. Icici Amazon pay 2. Flipkart axis 3. Sbi ola.

Tech Guru Tech Guru
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@FighterMan let’s start a credit card company. Reward points will be in form of candies. There will be different variants like orange, mango, coffee etc flavored ones. Amazing concept though, right!!! 🐒

Blogger Blogger
Author
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Sorry mate, i dont like candies

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Deal Newbie Deal Newbie
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Do we need to have bank account in ICICI bank to get a ICICI Bank Amazon Pay Credit Card?

Deal Newbie Deal Newbie
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Nope

replyuser
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