Top 5 Lifetime-Free Credit Cards in India (2025 Edition)
Looking for a credit card with zero annual fees and solid rewards? Here are the top 5 lifetime-free credit cards in India for 2025 that combine savings, cashback, lounge access, and more — without costing you a rupee in annual fees!
1. Scapia Credit Card (Zero Forex, Travel Rewards)
- Annual Fee: ₹0 (Lifetime Free)
- Zero forex markup fee on international spends
- Up to 20% Scapia Coins on travel bookings
- 1% Scapia Coins on all other spends
- Built-in travel marketplace
- Virtual & physical card linked to Federal Bank
2. Axis Bank MyZone Credit Card
- Annual Fee: ₹0 (Limited lifetime-free offer)
- ₹120 off on Swiggy (twice a month)
- 4 complimentary lounge visits/year (on ₹50k spend)
- 4X EDGE reward points per ₹200 spent
- BOGO on BookMyShow (T&Cs apply)
3. IDFC FIRST Millennia
- Annual Fee: ₹0 (Lifetime Free)
- Up to 10X reward points on online and offline spends
- Free railway & roadside assistance
- Fuel surcharge waiver & low-interest rates
- Complimentary lounge access (Select/Wealth)
4. HSBC Visa Platinum Card
- Annual Fee: ₹0
- 2 reward points per ₹150 spent
- 5X reward points after ₹4 lakh annual spend
- Movie ticket offers & fuel surcharge waiver
- International use enabled
5. IndusInd Bank Legend Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- 1.5 reward points per ₹150 spent
- B1G1 movie tickets (Legend card)
- Complimentary concierge & fuel surcharge waiver
- Airport lounge access on higher variants
Note: All cards mentioned above are subject to eligibility and issuer discretion. Please verify with respective banks for up-to-date offers.
💡 Final Words
If you’re looking to save money on annual fees and still enjoy features like cashback, lounge access, and reward points — these lifetime-free credit cards are your best bet in 2025!
Start your credit journey smartly by picking the one that suits your lifestyle.
✅ Have questions or need help choosing? Drop a comment or explore more finance tips on TechyKushal.com.
