Last updated: |Data verified from official bank sources
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Best Lifetime Free Cards
Zero annual fee, forever
Can't decide?
Compare the top 2 cards in this category
19 cards foundCalculate rewards for your spending →
IC
Editor's Pick
Amazon Pay ICICI Credit Card
ICICI Bank
FREE
per year
Reward: 1%
Amazon Prime members
FE
Scapia Federal Credit Card
Federal Bank
FREE
per year
Reward: 10%
0Lounge: Unlimited
Best zero forex + zero fee travel card
ID
IDFC FIRST Select
IDFC FIRST Bank
FREE
per year
Reward: 3%
Forex: 1.99%
Lounge: 1/quarter (₹20K spend required from Apr 2026)
Best lifetime free card overall
FE
Jupiter Edge Plus
Federal Bank/CSB Bank
FREE
per year
Reward: 5%
Lounge: 1/quarter
E-commerce shoppers (10% on major platforms)
FE
Fi MagniFi Credit Card
Federal Bank/AU Bank
FREE
per year
Reward: 0.5%
Weekend spenders + brand discount hunters
ID
IDFC FIRST Classic
IDFC FIRST Bank
FREE
per year
Reward: 3%
Entry-level LTF card for beginners
YE
Kiwi RuPay Credit Card
Yes Bank
FREE
per year
Reward: 1.5%
Lounge: 3/year with Neon
Heavy UPI users (₹1.5L+/month)
FE
Fi AmpliFi Credit Card
Federal Bank
FREE
per year
Reward: 1%
0Lifestyle brand spenders (20+ partners)
IN
IndusInd Tiger
IndusInd Bank
FREE
per year
Reward: 6%
Lounge: 2/quarter (8/year)
LTF card with lounge access
BA
BOB Premier Credit Card
Bank of Baroda
FREE
per year
Reward: 2%
Forex: 3.5%
Lounge: 4/year
Free premium card with travel benefits
AU
AU Ixigo Credit Card
AU Small Finance Bank
FREE
per year
Reward: 2.5%
0Lounge: 8/year
Budget travelers (if grandfathered on zero forex)
MU
OneCard Metal
Multiple (SBM/Federal/BOB)
FREE
per year
Reward: 2%
Forex: 1%
Free metal card, low forex travelers
IN
IndusInd EazyDiner Platinum
IndusInd Bank
FREE
per year
Reward: 1%
Fine dining enthusiasts
CA
Canara RuPay Select
Canara Bank
FREE
per year
Reward: 2%
Lounge: 2/quarter
Free premium RuPay with lounges
RB
RBL ShopRite
RBL Bank
FREE
per year
Reward: 1%
Grocery and fuel shoppers
PU
PNB Rakshak Plus Platinum
Punjab National Bank
FREE
per year
Reward: 2%
Defence personnel - lifetime free card
IC
ICICI Platinum Chip
ICICI Bank
FREE
per year
Reward: 2%
Free ICICI entry card
CA
Canara RuPay Platinum
Canara Bank
FREE
per year
Reward: 2%
Free PSU bank card with railway lounge
HS
HSBC Visa Platinum
HSBC India
FREE
per year
Reward: 0.67%
Free HSBC entry card
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Frequently Asked Questions
What is the best lifetime free cards in India 2026?▼
The best lifetime free cards in India for 2026 is Amazon Pay ICICI Credit Card from ICICI Bank, offering amazon prime members.
How many lifetime free cards are available in India?▼
We compare 19 lifetime free cards from top Indian banks including HDFC, Axis, SBI, ICICI, and more.
How do I choose the right lifetime free cards?▼
Consider your spending patterns, required features like value, annual fees, and eligibility requirements. Use our Card Finder quiz for personalized recommendations.
PM
PlasticMoney Research Team
Personal finance experts analyzing credit cards since 2023