Best 16 Lifetime Free Credit Cards In India 2022 | Top 16 Lifetime Free Credit Cards In India 2022

If used properly, a credit card can prove to be a very useful tool. Not only do they offer you easy access to credit, but they also let you earn attractive rewards and benefits. Surprisingly there are some credit cards that offer very interesting offers and benefits but do not charge any annual/renewal fee. These lifetime free credit cards are best for beginners and also for those who want to keep a second credit card. In this article, you will find the 16 best lifetime-free credit cards and their benefits. Hopefully, it will help you to find your choice.

• Table of Contents

  Axis Bank Insta Easy Credit Card

The axis bank insta easy credit card is a decent choice for those who want to repair their credit score or want to build their credit score. Apart from the simplicity, it packs loads of useful features like big rewards on every transaction, exclusive deals on dining, a low-cost EMI option, and lots more. Read the complete axis bank insta easy credit card review to know more about this card.

What are the Axis Bank Insta easy credit card charges?

• Axis Bank Insta Easy Credit Card joining fee: None.
• Axis Bank Insta Easy Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major Axis Bank Insta Easy Credit Card features?

• Using this card you can earn up to 6 reward points for every Rs. 200 transaction.
• This axis bank insta easy credit card offers up to a 15% discount on your dining bill at some selected restaurants.
• On this insta easy credit card axis bank offers a low-cost EMI option that allows you to convert your high-value transactions into monthly installments.
• You can make up to Rs. 400 monthly saving on fuel surcharges.

Pros and Cons:

Pros	Cons
You can earn handsome savings from your dining expenses. The rate of earning reward points is also very good. You can get this Axis Bank Insta easy credit card against fixed deposit which makes this card ideal for beginners.	You will not get any travel booking benefits from this card. This card does not offer any entertainment/movie benefits.

*If you are curious about the axis bank insta easy credit card activation process then feel free to take a look at the 100xGain faq page.

• ICICI Bank Amazon Credit Card

The icici bank amazon credit card is the perfect credit card for shopaholics. To add more value to your shopping expenses, this card offers attractive deals on online shopping, big discounts on dining bills, handsome waivers on fuel surcharges, etc. Read the complete icici bank amazon credit card review to know more about this card.

How much are the Amazon Pay ICICI Bank Credit Card fees?

• Amazon ICICI Bank Credit Card joining fee: None.
• Amazon Pay ICICI Bank Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the major benefits of Amazon Pay ICICI Bank Credit Card?

• This amazon pay icici bank credit card offers up to 5% cashback on Amazon.
• You will get a 15% discount on your dining bills.
• There is also a 1% waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
This card offers exclusive deals on online shopping. You can also bag a huge discount on your dining bills. There is also an exclusive waiver on fuel surcharges.	You will not get any travel-related benefits. Only online shopping expenses are eligible for earning cashback.

*If you have queries like; how to check amazon pay icici bank credit card application status, or how to know your amazon pay icici bank credit card billing cycle, then make sure to take a look at our faq page.

• IDFC First Bank First Select Credit Card

If you are looking for a premium quality credit card at an affordable rate, then the idfc first bank first select credit card can be a solid choice for you. Targeting the new Indian credit card users, this card offers exclusive rewards on every transaction, free access to airport lounges, a big discount on dining, etc. Read the complete idfc first select credit card review on it to know more about the benefits.

What are the IDFC First Select Credit Card fees?

• IDFC First Bank Select Credit Card joining fee: None.
• IDFC First Bank Select Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8.5/10

What are the major IDFC First Select Credit Card benefits?

• This idfc first bank credit card offers you up to 6X reward points for every Rs. 100 transaction.
• You will get up to 4 free access per quarter to most of the domestic airport lounges.
• This idfc first select credit card offers up to a 20% discount on your dining bills.
• You can also earn a handsome monthly waiver on fuel surcharges.

Pros and Cons:

Pros	Cons
The rate of earning reward points is quite impressive. You can also enjoy free access to most of the domestic airport lounges. There is also a handsome discount on dining bills.	You will not get any international lounge access. There are no shopping benefits on this IDFC First Bank Select Credit Card.

• BOB ICAI Credit Card

If you are a Chartered Accountant and looking for a credit card that can sync with your job requirements, then you should take a look at the bob icai credit card. Offering reward points on every transaction, free access to airport lounges, professional indemnity coverage, and some premium lifestyle benefits, this card can make your life more premium and worry-free. More about the benefits are discussed in the full bob icai credit card review.

What is the Bank of Baroda ICAI Credit Card fees?

• ICAI BOB credit card joining fee: None.
• ICAI BOB credit card annual fee: Free for a lifetime.

100xGain Rating:

8.5/10

What are the major BOBO ICAI Credit Card benefits?

• Using this card, you can earn up to 5 reward points for every Rs. 100 transaction.
• This card gives you up to 12 free access per year to most of the frontline domestic airport lounges.
• This ICAI BOB credit card comes with a one-year Fit Pass Pro membership.
• There is also professional indemnity insurance coverage on this card.

Pros and Cons:

Pros	Cons
This card gives you free access to most of the domestic airport lounges. You can make a good monthly saving on fuel surcharges. The rate of earning reward points is also good. It is a lifetime free credit card.	There are no dining benefits on this BoB credit card. You will not get any movie/entertainment benefits from this card.

• HSBC Premier MasterCard Credit Card

When it comes to premium privileges and affordability, the hsbc premier mastercard credit card is unmatched. Offering free access to airport lounges, huge discounts on movie tickets, and exclusive deals on dining, this card brings so much value with it that it can easily outrank most of the premium credit cards available in India. Read the complete hsbc premier mastercard credit card review to know more about this card.

What are the HSBC Premier Credit Card charges?

• HSBC Premier MasterCard credit card joining fee: None.
• HSBC Premier MasterCard credit card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major HSBC Premier Credit Card benefits?

• This hsbc premier credit card offers 2 reward points for every Rs. 100 transaction. 
• This card gives you free access to most of the Indian airport lounges and a complimentary priority pass membership. You can find more about the hsbc premier mastercard credit card lounge access benefit from the full review of this card.
• You can bag up to a 50% discount on movie tickets.
• You can also enjoy some free golf rounds at some of the frontline golf courses in India.

Pros and Cons:

Pros	Cons
You will get free access to most of the domestic airport lounges. This card offers a huge discount on movie tickets. There are also some exclusive dining and golf benefits on this card.	The rate of earning HSBC premier credit card rewards is not that impressive.

• ICICI Bank Carbon Credit Card

The icici bank carbon credit card is one of the most futuristic credit cards available in India. This card is equipped with all the advanced cutting-edge technologies like a microprocessor, LCD screen, Keypad, and the security of CodeSecure PIN which makes this card really unique and more secure than any other credit card available in India. Read the complete icici bank carbon credit card review to know more about this card.

What are the ICICI Carbon credit card fees?

• ICICI Bank Carbon Credit Card joining fee: Rs. 1000 + GST
• ICICI Bank Carbon Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the major benefits of ICICI carbon credit card?

• This card offers you 2 reward points for every Rs. 100 transaction.
• Using this icici carbon credit card you can get 4 free accesses per quarter to most of the frontline airport lounges.
• You also get a 15% discount on your dining bills.
• This card also offers some attractive deals on flight booking.

Pros and Cons:

Pros	Cons
This card is very good at offering reward points. You will get some free airport lounge access. You can also enjoy a big discount on your dining bill.	It is an invite-only credit card, which means you need to have an ICICI bank carbon credit card invitation to be eligible.

• IDFC First Bank Wealth Credit Card

The IDFC First Bank Wealth Credit Card is one of the best lifetime-free credit cards available in India. Targeting the millennials this card offers attractive rewards on every transaction, free access to airport lounges, big discounts on dining bills, and lots more. In fact, this is probably the best credit card you can get at this cost. Read the complete idfc first bank wealth credit card review to know more about this card.

What are the IDFC First Bank Wealth credit card fees?

• IDFC First Bank Wealth Credit Card joining fee:  None.
• IDFC First Bank Wealth Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8.5/10

What are the major IDFC Wealth Credit Card benefits?

• You can earn up to 6X reward points for every Rs. 100 online transactions made using this card.
• You will get 4 free accesses to most of the frontline domestic and international airport lounges. You can find more about the idfc wealth credit card airport lounge access benefit from the complete review of the card.
• There is also a 20% discount on your dining bills.
• You will also get some exclusive deals on movie tickets with this card.

Pros and Cons:

Pros	Cons
The rate of earning reward points is quite impressive. You will get free access to domestic and international airport lounges. This card also offers an exclusive discount on dining bills.	There are no travel booking benefits on this card.

• IndusInd Bank Signature Legend Credit Card

The indusind bank signature legend credit card is one of the most popular lifetime free credit cards. Although it charges a one-time joining fee of Rs. 50,000, it lets you enjoy free access to airport lounges, attractive deals on travel booking, free movie tickets, complimentary golf rounds, etc. which are enough to justify the Rs. 50,000 joining fee. More details of the benefits are discussed in the complete indusind bank signature legend credit card review.

What are the IndusInd Bank Signature Credit Card fees?

• IndusInd bank signature credit card joining fee: Rs. 50,000 + GST
• IndusInd bank signature legend credit card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major benefits of IndusInd Bank Signature Legend Credit Card?

• Under the priority pass membership, you will get free access to airport lounges.
• This indusind bank signature credit card gives you a complete waiver on the base fare of Jet Airways flight tickets.
• This indusind bank signature legend credit card offers free golf rounds at some of the most popular golf courses in India.
• There is also complimentary insurance coverage protection on this indusind bank visa signature credit card.

Pros and Cons:

Pros	Cons
You will get a complimentary priority pass membership. This card gives you some free rounds at some of the most popular golf courses in India. You can enjoy a complete waiver on the base fair of jet airways flight tickets.	The rate of earning reward points is not that impressive. You will not get any fuel surcharge waiver on this signature credit card of IndusInd bank.

• Kotak Wealth Management Infinite Credit Card

The kotak wealth management infinite credit card is a very special credit card particularly designed for kotak wealth management customers. Offering reward points on every transaction, free access to airport lounges, and complimentary golf rounds, this card can add a touch of luxury to your premium lifestyle. Read the complete kotak wealth management infinite credit card review to know more about this card.

What are the Kotak Management Infinite fees?

• Kotak Wealth Management Infinite Credit Card joining fee: None.
• Kotak Wealth Management Infinite Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the key features of the Kotak Mahindra Wealth Management credit card?

• This card gives you up to 4 free accesses per quarter to most of the domestic airport lounges.
• You will get up to 2 complimentary golf rounds per quarter.
• You can earn up to 800 reward points per month.
• You can get up to Rs. 10 lakh credit limit on this Kotak Mahindra wealth management visa infinite card.

Pros and Cons: 

Pros	Cons
This card gives you free access to most of the domestic airport lounges. You will also get some complimentary golf rounds with this card. This Kotak credit card offers a really high credit limit.	It is an invite-only credit card, which means you can not apply for this card without an invitation. The rate of offering reward points is not that impressive.

• LIC Signature Credit Card

The lic signature credit card is the perfect choice for those who have a good credit score but do not have enough experience in handling a credit card. This card is a perfect blend of simplicity and luxury, which are needed to make a perfect start. Seems interesting? Then feel free to take a look at the complete lic signature credit card review.

What are the LIC signature credit card fees?

• LIC Signature Credit Card joining fee: None.
• LIC Signature Credit Card annual fee: Free for a lifetime.

100xGain Rating:

8/10

What are the major LIC Visa Signature Credit Card benefits?

• This card gives you up to 2 lic signature credit card reward points for each Rs. 100 transaction.
• You will get 2 quarterly access to most of the domestic airport lounges. You can find more about the lic signature credit card airport lounge access benefit from the complete review of this card.
• You can make up to Rs. 400 savings from fuel surcharges.
• There is also a low-cost EMI option available, which is very helpful for frequent shoppers.

Pros and Cons:

Pros	Cons
This card gives you free access to domestic airport lounges. You can make a handsome saving on fuel surcharges. The reward earning rate is quite good.	You will not get any international lounge access with this card. There are no dining and shopping benefits on this axis bank LIC Signature Credit Card.

• Yes Bank FinBooster Credit Card

The yes bank fin booster credit card is a one-of-a-kind credit card tailored to help individuals in improving their credit scores. It is probably the only credit card that comes with a one-year Credit Strong subscription. Apart from that, it offers accelerated rewards on every transaction, attractive waivers on fuel surcharges, premium lifestyle benefits, and lots more. Read the complete review to know more about this card.

What are the Yes Bank Finbooster card fees?

• Yes Bank Finbooster credit card joining fee: None. 
• Yes Bank Finbooster credit card annual fee: Free for a lifetime. 

100xGain Rating:

7/10

What are the major yes bank fin booster credit card benefits?

• This yes bank credit card offers you up to 6X reward points for every Rs. 200 transaction.
• This yes bank lifetime free credit card comes with a one-year Credit Strong subscription. 
• This card offers exclusive deals on premium lifestyle brands.
• There is also a low-cost EMI option available.

Pros and Cons:

Pros	Cons
This fin booster credit card has some very cool features that can be very helpful for beginners. The yes bank credit card rewards scheme is very helpful for earning reward points. It is a lifetime free credit card which makes it ideal for first-time applicants.	No offers in the entertainment and travel category. Not a very good credit card for those who have a good credit score.

• Standard Chartered Priority Banking Visa Infinite Credit Card

The Standard Chartered Priority Banking Visa Infinite Credit Card is an invite-only credit card, crafted specifically for the Standard Chartered priority banking customers. It comes loaded with tons of very useful features like Complimentary Priority pass membership, exclusive deals on dining, reward points on every transaction, and lots more. More details of the card are discussed in the complete standard chartered visa infinite credit card review.

What are the Standard Chartered Visa Infinite Card fees?

• Standard Chartered Priority Visa Infinite Credit Card joining fee: None.
• Standard Chartered Priority Visa Infinite Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major Standard Chartered Visa Infinite Credit Card benefits?

• This card gives you free access to most of the domestic airport lounges.
• You will also get a complimentary priority pass membership with this card.
• This standard chartered credit card offers 2 reward points for every Rs. 100 transaction.
• There is also accidental insurance coverage on this card.

Pros and Cons:

Pros	Cons
This card gives you free access to airport lounges. You will get complimentary insurance coverage with this card. This card also offers an instant loan facility.	The rate of earning reward points is not that great. It is an invite-only credit card, so you can not apply for this card unless you have the invitation for it.

*If you have queries like; how to check standard chartered credit card statement or how to pay your standard chartered credit card bill, make sure to take a look at the 100xGain faq page.

• RBL Insignia Preferred Banking World Card

When it comes to premium privileges at an affordable rate, there are a few credit cards that can replace the rbl insignia preferred banking world card. Offering benefits like; free access to airport lounges, exclusive deals on movie tickets, attractive hotel booking, and dining benefits, this card brings so much value with it that it can easily outrank most other premium credit cards. For more information about this card, feel free to read the complete rbl bank insignia preferred banking world card review.

What are the Insignia credit card fees?

• RBL Insignia Preferred Banking World Card joining fee: None.
• RBL Insignia Preferred Banking World Card annual fee: Free for a lifetime.

100xGain Rating:

7.5/10

What are the major benefits of the Insignia credit card?

• This card gives you up to 6 free accesses at most of the priority pass lounges across the globe.
• This card offers some very exciting deals on movie tickets.
• This card offers up to a 50% discount on your dining bills under the Accor Plus Membership.
• This card offers 5 reward points for every Rs. 100 transaction.

Pros and Cons:

Pros	Cons
You will get a complimentary priority pass membership with this card. You can enjoy some exciting deals on movie tickets and dining. The rate of earning reward points is quite impressive.	There are no cashback or discount offers on this card. You will not get any fuel benefits.

• Indusind Bank Pinnacle Credit Card

When it comes to premium privileges at an affordable rate, the indusind bank pinnacle credit card is the choice of many Indians. While it charges a one-time joining fee of Rs. 12,999, it lets you enjoy free access to airport lounges, free movie tickets, complimentary golf rounds, insurance coverage protection, etc. Read the complete indusind bank pinnacle credit card review to know more about this card.

What are the IndusInd Bank Pinnacle Credit Card fees?

• Indusind Bank Pinnacle Credit Card joining fee: Rs. 12,999 + GST
• Indusind Bank Pinnacle Credit Card annual fee: Free for a lifetime.

100xGain Rating:

7/10

What are the major IndusInd Bank Pinnacle Credit Card benefits?

• This card gives you 2.5 reward points for every Rs. 100 transaction.
• You will get up to 2 free access to most of the priority pass lounges.
• This card indusind bank pinnacle credit card features 3 free movie tickets per month.
• You can also enjoy up to 2 free golf rounds per month.

Pros and Cons:

Pros	Cons
You will get a complimentary priority pass membership with this card. This card offers free movie tickets every month. You can enjoy free golf rounds every month.	There are no dining benefits on this card.

• One Card Credit Card

If you are looking for a cheap and convenient way to build a good credit score then you should get the One Card Credit Card. It is an app-based credit card, designed specifically for beginners. The attractive feature of this card is that you can get this card with a minimum fixed deposit amount of Rs. 500. You will also get 1 reward point for every Rs. 50 transaction. More details of the card are discussed in the complete one card credit card review.

What are the One Card Credit Card charges?

• One Card Credit Card joining fee: None.
• One Card Credit Card annual fee: Free for a lifetime.

100xGain Rating:

6.5/10

What are the major One Card credit card benefits?

• You will get 1 reward point for every Rs. 50 transaction.
• This card offers a low-cost EMI option, which is very helpful.
• This onecard visa credit card comes with a very handy mobile app which makes things easier for beginners.

Pros and Cons:

Pros	Cons
It is a lifetime free metal credit card. The rate of earning reward points is quite impressive. The low-cost EMI option is also very helpful.	You will not get any cashback or discount offers from this card. There are no dining or entertainment benefits on this card.

• BOI Swadhan Rupay Platinum Credit Card

If you are new in the credit card market and looking for a credit card just to gather some knowledge then the BOI Swadhan Rupay Platinum Credit Card will be a decent choice for you. This card is not designed to offer exciting deals and offers. But for beginners, this card can really be helpful because of its simplicity. Read the complete review to know more about this card. 

What is the Bank of India credit card charges?

• BOI Swadhan Rupay Platinum Credit Card joining fee: None.
• BOI Swadhan Rupay Platinum Credit Card annual fee: Free for a lifetime.

100xGain Rating:

6/10

What are the major benefits of the BOI Swadhan Rupay credit card?

• This bank of india credit card offers a low-cost EMI option which is extremely useful for frequent shoppers.
• The flexible spending limit feature allows you to set a custom spending limit for your add-on card members.

Pros and Cons:

Pros	Cons
It is a lifetime free credit card. It is a very simple and straightforward credit card which makes it ideal for first-time users.	You will not get any discounts, cashback, or reward points from this BOI Swadhan Credit Card.