Top 10 Credit Cards in India (2025) – Maximize Your Rewards!
Top 10 Lifetime Free Credit Cards in India (2025)
Explore the best LTF credit cards offering amazing cashback, lifestyle, travel, and shopping rewards — all with zero annual fees. Updated for 2025!
1. HDFC Swiggy Credit Card
- Annual Fee: ₹500 + GST (Lifetime Free under offer)
- Best For: Food delivery & online shopping
- Benefits:
- 10% cashback on Swiggy, Instamart, Dineout & Genie
- 5% cashback on Amazon, Myntra, Nykaa
- 1% on other spends
- Auto-credit cashback to Swiggy wallet
2. Flipkart Axis Bank Credit Card
- Annual Fee: ₹500 (Waived on ₹2L annual spend)
- Best For: Flipkart, Swiggy, Myntra
- Benefits:
- 5% cashback on Flipkart & Myntra
- 4% on preferred merchants like Swiggy, Uber, PVR
- 1.5% on all other spends
- 4 complimentary lounge visits/year
3. HDFC Millennia Credit Card
- Annual Fee: ₹1,000 (Waived on ₹1L spend)
- Best For: Online shoppers & travel
- Benefits:
- 5% cashback on Amazon, Flipkart, Zomato, Swiggy
- 1% on offline spends
- 8 complimentary airport lounge visits/year
4. AU Bank LIT Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Best For: Customizing your benefits
- Benefits:
- Select 2 features/month (cashback, lounge access, fuel, etc.)
- Upto 10% cashback based on feature selected
- No hidden charges or fees
5. RBL Bank Shoprite Credit Card
- Annual Fee: ₹500 (Waived on ₹1L annual spend)
- Best For: Grocery & fuel spends
- Benefits:
- 5% cashback on grocery shopping (Big Bazaar, Reliance, etc.)
- 2.5% cashback on fuel spends (up to ₹100/month)
- 1 reward point per ₹100 spent elsewhere
- 2,000 bonus points on spending ₹2,000 within 30 days
- Free movie ticket worth ₹200 every month on BookMyShow
6. Axis My Zone Credit Card
- Annual Fee: ₹500 (Waived on ₹25,000 spend in 45 days)
- Best For: Entertainment lovers
- Benefits:
- Buy 1 Get 1 Free movie ticket (BookMyShow)
- 40% off on Swiggy orders
- Complimentary lounge access
7. IDFC FIRST Classic Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Best For: All-rounder usage
- Benefits:
- Up to 10x reward points on online spends
- Interest-free cash withdrawal for 48 days
- Roadside assistance, insurance cover
8. Kiwi Credit Card (UPI Enabled)
- Annual Fee: ₹0 (Lifetime Free)
- Best For: UPI credit payments & contactless shopping
- Benefits:
- Link credit card to UPI via Kiwi app (Rupay issued)
- Earn 1% cashback on every spend (terms apply)
- Tap-to-pay with NFC-enabled phones
- No joining or annual charges ever
- Real-time spend tracking & card control via app
9. Scapia Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Best For: Travel & international shopping lovers
- Benefits:
- Zero forex markup on international transactions
- Earn Scapia coins on every spend (redeem for travel, vouchers)
- Smart metal card linked with Federal Bank account
- Real-time tracking, freeze/unfreeze via Scapia app
- No hidden charges, no annual/joining fees
10. HSBC Cashback Credit Card
- Annual Fee: ₹999 (Waived on spend)
- Best For: International & urban spends
- Benefits:
- 1.5% cashback on all online spends
- 1% cashback on others
- Lounge access, milestone benefits
🔍 Frequently Asked Questions (FAQ)
- Q: What is a Lifetime Free Credit Card?
A: A credit card with zero annual and renewal fees for life. - Q: Which card is best for Amazon shopping?
A: Amazon Pay ICICI Credit Card - Q: Which credit card gives lounge access?
A: Flipkart Axis, HDFC Millennia, AU LIT, Axis MyZone
Disclaimer
The credit card details, benefits, fees, and offers mentioned in this article are as per publicly available information as of 2025. Offers and features may change at the discretion of the issuing bank or financial institution. Readers are advised to visit the official bank website or authorized issuer page before applying. This page may contain affiliate links, and we may earn a commission if you choose to apply through them — at no extra cost to you.
