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Top 5 Lifetime Free Credit Cards in India in 2024
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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.
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.
Apply Here
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
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
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
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
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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https://www.desidime.com/comments/permalink/7584279
It charges 5899 per year. For fee waiver you have to spend 8L
https://www.desidime.com/comments/permalink/7534692
Indusund bank- Platinum Aura card also free for Lifetime 
https://www.desidime.com/comments/permalink/7534695
Indusund bank- Platinum Aura card also free for Lifetime 
https://www.desidime.com/comments/permalink/7557141
Axis bank card is free or not please clarify if anyone has that card posted in this thread?
https://www.desidime.com/comments/permalink/7601511
https://www.desidime.com/comments/permalink/7621110
1. ICICI Bank Amazon Pay Credit Card
2. HDFC Bank Visa MoneyBack Credit Card
https://www.desidime.com/comments/permalink/7634543
Applied for icici let’s see
https://www.desidime.com/comments/permalink/7660538
Two best credit cards in India, HDFC infinia and Yes First Exclusive are missing in the list. They give by far the best value per spend and other perks than any other credit card except Diners black.
https://www.desidime.com/comments/permalink/7744597
Misleading post , it’s waiver not free
https://www.desidime.com/comments/permalink/7777383
Misleading post, it’s not lifetime free. Wavier on spends.
https://www.desidime.com/comments/permalink/7783020
I have
Flipkart Axis Bank credit card
Amazon pay icici bank credit card
Slice visa credit card
https://www.desidime.com/comments/permalink/7793935
I have got IDFC First Wealth LTF with a limit of 5lacs.
https://www.desidime.com/comments/permalink/7865200
How is this insta easy axis cc?
@andromeda @malikcool @bikidas2060 @Sudarshan61
https://www.desidime.com/comments/permalink/7871584
Can someone please tell me about one query I have regarding LTF Cards?
I’m having one HDFC LTF Credit Card. When the card expires and they renew and send it, will it still continue to be a lifetime free card?
https://www.desidime.com/comments/permalink/7944962
How do you rotate money to get away with CC annual fee or are there any other tricks available ? 
https://www.desidime.com/comments/permalink/7946165
Rotating money is like consuming drugs, you start slow but once you get addicted to it then very difficult to let go especially if not salaried/employed(college students & jobless guys ends up rotating dozens of lakhs in a year until one day they get notice from income tax department & then realize there is no such thing as free money in this world). It is much better to just pay 500 annual fee with peace of mind then getting into this money rotation business unless you are one of the minority population with natural talent in it(some here are pro money rotators earning enough money from this same as an entry level salaried job & doing it for years).
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https://www.desidime.com/comments/permalink/8024238
I think it’s time yo update the list.
Flipkart Axis Bank is now LTF. That would be best.
IDFC First Credit cards are also LTF, That also has good reward points system and Railway lunge access
https://www.desidime.com/comments/permalink/8071238
Amazon ICICI Bank CC ka upyog apan Flipkart pe kar sakte hin kya bhailog?
https://www.desidime.com/comments/permalink/8233891
I NEED SOME HELP.
Most comments said Millennia card is best card So I Applied For Hdfc Millennia Card.
Got the Card Today.
But It has Diners Club International Varient.
I am using 5 other banks card but they all are Visa or MasterCard… I do not use Diners Card before.
Is it same as Visa n Master???
I am living in Non Metro City.. Is it Accepted in Local shops and Market??
Any Advantage or disadvantage???
Please Help
https://www.desidime.com/comments/permalink/8252300
I have dinner card, it is not used widely, many shops it is not accepted too, shop people do not this also they just swipe and try and then it gets declined, few online shops too do not take it, this is good for international travel however in few countries also it is not accepted. All high level shops and places it is accepted for sure
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https://www.desidime.com/comments/permalink/8292886
Which lifetime free credit cards are on RuPay platform?
https://www.desidime.com/comments/permalink/8292928
I have following cards:-
LTF
-————————————————————————————————————
HDFC Diners Black(got LTF last year through upgrade)
IDFC First Select
Axis Bank select(for burgundy customer)
rbl bank shoprite(bankbazaar)
yes bank exclusive
axis bank flipkart (current ltf going on)
indusind iconia(got it through free upgrade)
icici platinum
onecard
hsbc visa platinum
-————————————————————————————
NON-LTF
-—————————————————————————————
sbi simplyclick(90k yearly spend)
standard chartared platinum(i pay annual fees)
axis ace(easily cross 2 lakhs with all bill payement + recharge and other spends)
amex mrcc(20k each month to wallet)
bank of baroda select(i only use it for offers after downgrade)
citibank IOCL
-—————————————————————————————————
I use mainly 3 cards
axis ace
hdfc diners
citibank IOCL for fuel
rest of the cards are only used in offers. I buy everything online hardly visit store these days.Only cash purchase is fish and meat and even sometimes I use licious ,bigbasket jalongi etc
https://www.desidime.com/comments/permalink/8439394
Bhaii ye bank bazar wale din me 500 call krte h . preshan krte h.. card bnate nhi hh..
https://www.desidime.com/comments/permalink/8466097
Can anyone let me know which card gives best reward points for fuel purchase.. Because I want to use 10k fuel per week..
Any suggestions would be helpful ??
https://www.desidime.com/comments/permalink/8652752
Hello all,
I'm looking to get a LTF or even paid, which provides cash back especially on shopping on Amazon.
Currently I have only flipkart axis card.
millennia hdfc credit card is pre approved for me but, didn't applied for that till now. On checking the card features I found that is giving 5% cash back on Amazon shopping and I'm not sure whether that works same as fk card which credits the cash back amounts on next bill generation. Share let me know how this works if you about it!
Also, amazon icici got rejected, no idea why! Instantly after providing the details it showed the message you application is rejected.
Then, I heard about the axis ace card, can we apply for this card even if i don't have an axis account?
Do you have any other suggestions for me?
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So its not LTF right? Should not be part of your post or your post header is misleading?