In 2025, Indian credit users are becoming smarter - preferring lifetime free credit cards that come with zero joining, annual, or renewal fees. These cards are perfect for students, first-time credit users, and anyone who dislikes hidden charges.
Here are the top 5 lifetime free credit cards in India right now:
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Amazon Pay ICICI Credit Card - 5% cashback for Prime users and 1% on all other spends.
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Fibe Axis Bank Credit Card - 3% cashback on food delivery, OTTs, ride apps, and EMI options.
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IDFC FIRST Millennia Card - 3X rewards on online shopping and lounge access perks.
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Federal Bank Scapia Card - Zero forex markup and 20% off on international hotel bookings.
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Ixigo AU Credit Card - 40% off on train bookings and free airport lounge access every quarter.
While these cards offer amazing savings, do note: reward caps and fewer luxury benefits apply. Always pay your dues on time and use the cashback offers smartly to maximise value.
A free credit card doesn’t mean free spending - be wise, not careless.
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