Expert Selection 2026
Best Credit Cards for Lifetime Free Credit Cards
Credit cards with zero joining and annual fees — no spend-based waiver required. Free forever.
Recommended Cards (20)
Top Choice
SOUTH INDIAN BANK
South Indian Bank SIB RuPay Platinum Credit Card
Excellent
Expert Score3.1
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free card – no annual fee.
- 2 reward points per ₹100 on all spends.
- UPI-enabled RuPay card.
FEDERAL BANK LTD
Federal Bank Signet Credit Card
Excellent
Expert Score3.6
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free card – no joining or annual fee.
- 3 reward points per ₹100 on all online spends.
- 2 reward points per ₹100 on all offline spends.
DBS INDIA BANK LTD
DBS Treasures Credit Card
Excellent
Expert Score4.0
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free card – no annual fee.
- 5 reward points per ₹150 on all spends.
- 10 reward points per ₹150 on international transactions.
RBL BANK LTD
RBL Bank Shoprite Credit Card
Excellent
Expert Score3.5
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free card – no joining or annual fee.
- 5% cashback on grocery spends.
- 2% cashback on utility bill payments.
ICICI BANK LTD
ICICI Bank PayLater
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Digital credit line accessible through ICICI Bank platforms
- EMI option at 16% p.a. for transactions over ₹10,000
- Interest-free period of 15-45 days
KOTAK MAHINDRA BANK LTD
Privy League Signature (Free)
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Enhanced rewards and benefits
- Fuel surcharge waiver for transactions between ₹400 to ₹4,000
- Maximum fuel surcharge waiver of ₹4,500 annually
KOTAK MAHINDRA BANK LTD
Kotak UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- UPI linked credit-card benefits
- 3 reward points per ₹100 on UPI linked credit card transactions
- 3 reward points per ₹100 on other credit card transactions
KOTAK MAHINDRA BANK LTD
Kotak 811 #DreamDifferent
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Railway surcharge waiver
- Fuel surcharge waiver
- Forex markup of 2% (effective April 15, 2024 for new cardholders)
KOTAK MAHINDRA BANK LTD
Kotak 811 Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- Annual fee waiver on retail spends of ₹50,000 in a year
- Fuel surcharge waiver between values of ₹500 to ₹3,000
- Railway surcharge waiver
YES BANK LTD
YES Bank Klick Kiwi RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Specialized for UPI and scan-and-pay transactions
- Base rewards: 4 Kiwis (1% cashback) for UPI transactions
- 2 Kiwis (0.5% cashback) for non-UPI transactions
BANK OF BARODA
BOB RuPay Easy Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Entry-level card with reward rate of 0.25% to 1.25%
- Fuel surcharge waiver on all fuel transactions
- Available on both Visa and RuPay payment networks
HDFC BANK LTD
HDFC Bank UPI RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹250
Annual Fee
₹250
- Enabled for UPI payments
- 1% cashback on UPI spends
- Link to UPI-enabled apps like PayZapp
IDFC FIRST BANK LTD
IDFC FIRST WOW! Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Secured credit card backed by deposits
- Lifetime free card
- Suitable for students/those without credit history
IDFC FIRST BANK LTD
IDFC FIRST Classic Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Easy growing families
- 10X rewards on incremental spends ≥ ₹20k & birthday
- 3X rewards on spends < ₹20k per cycle
IDFC FIRST BANK LTD
IDFC FIRST Millennia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 10X rewards on birthday & spends ≥ ₹20k/month
- 8X rewards on insurance/utility payments
- 1X rewards on other spends
AU SMALL FINANCE BANK LIMITED
AU Bank InstaPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free virtual credit card for UPI transactions
- 1% direct cashback on UPI spends at stores, groceries, pharmacies
- 1% fuel surcharge waiver (Rs. 4005,000, up to Rs. 100/cycle)
AU SMALL FINANCE BANK LIMITED
AU Spont Credit Card
Excellent
Expert Score5.0
Joining Fee
₹299
Annual Fee
₹299
- 1% cashback on all UPI spends (up to Rs. 500 per statement cycle)
- 5 coins on each UPI transaction via AU 0101 App
- 2 complimentary railway lounge visits per quarter
AU SMALL FINANCE BANK LIMITED
AU Bank LIT Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Customizable credit card via AU 0101 app
- Up to 10X reward points on online spends (fee applies)
- 5X reward points on online spends for Rs. 199 quarterly fee
INDUSIND BANK LTD
IndusInd Bank Platinum Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Flexible reward plans based on lifestyle
- Up to 8X reward points on select merchant categories
- Fuel surcharge waiver nationwide
INDUSIND BANK LTD
IndusInd Bank Platinum RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 2 reward points on every ₹100 transaction via UPI
- Fuel surcharge waiver nationwide
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