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Best Lifetime Free/ Zero Annual Fee Credit Card 2022

List of Best Lifetime Free Credit Cards in India

Credit CardCategoryBest For
Amazon Pay ICICI Credit CardCashbackAmazon/ Amazon Pay, Dining
HSBC Visa Platinum Credit CardReward/ TravelAnniversary, Airport Lounge, Air miles, Amazon voucher
IDFC FIRST Wealth Credit CardReward/ TravelBirthday, Golf rounds, Airport Lounges
IDFC FIRST Select Credit CardReward/ Cashback/ TravelBirthday, Railway Lounge, movie
IDFC FIRST Millennia Credit CardLifestyleRestaurants, Movie, Health & Wellness
Kotak 811 DreamDifferent Credit CardRewardOnline spends, Fuel & Railway  Surcharge
Kotak Fortune Gold Credit CardFuelFuel surcharge, Movie
Bank of Baroda Prime Credit CardRewardLifetime free add-on cards
Bank of Baroda Premier Credit CardRewardTravel, Dining and Abroad
Bank of Baroda Easy Credit CardReward/ CashbackGroceries, Movies, Departmental Stores
Indusind Platinum Aura Edge CreditDiner/ RewardGrocery, EazyDiner, Airline miles
ICICI Instant Platinum Credit CardPAYBACKUtilities, HPCL Fuel, Movie
Axis Insta Easy Credit CardFixed Deposit100% credit limit, Restaurants

13. Axis Bank Insta Easy Credit Card

Axis Bank Insta Easy Free Credit Card
Axis Bank Insta Easy Credit Card

No joining and annual fees.

Apply Now

Earn Cashback

  • Withdraw as much cash as you need upto 100% of your credit limit from 1 day

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Dining Discounts

  • 15% discount on dining at selected partner restaurants in India
  • You should be between the age of 18 to 70 years
  • Minimum Fixed Deposit of Rs. 20,000, Maximum of Rs. 25,00,000
  • Should be either Indian or NRI
  • No Joining and Annual Fees
  • Credit limit of up to 80% of the FD’s principal value

12. ICICI Bank Instant Platinum Credit Card

ICICI Bank Instant platinum
ICICI Bank Instant Platinum Credit Card

No joining and annual fees.

Apply Now

Reward points

  • For every ₹ 100 spent, get 2 PAYBACK Points
  • 3 PAYBACK Points on every ₹100 spent on all purchases
  • 1 PAYBACK Point on every ₹ 100 spent on utilities and insurance categories

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver can be availed on fuel transaction of maximum ₹ 4,000 at HPCL pumps

Extra Benefits

  • Avail of 25% discount up to INR 100 on purchase of minimum two tickets up to two times in a month on BookMyShow
  • You should be between the age of 18 and 65 years
  • Minimum Fixed Deposit amount is ₹ 10,000
  • Minimum tenure of the Fixed Deposit has to be 180 days
  • Must be Indian resident
  • No Joining and Annual Fees
  • Against FD Rs. 10,000

11. Indusind Bank Platinum Aura Edge Credit Card

Indusind Bank Platinum Aura Edge Free
Indusind Platinum Aura Edge Credit

No joining and annual fees.

Apply Now

Reward points

  • 4X Reward Points on select merchant categories (1 reward point = ₹ 0.50)

Savings points

  • 4 savings points per Rs. 100 spent at departmental stores and grocery
  • 2.5 savings points per Rs. 100 spent on cellphone and electricity bills
  • 2 savings points per Rs. 100 spent on consumer durables or electronic items
  • 1.5 savings points per Rs. 100 spent on books, restaurant bills, insurance premium and medical bills
  • 0.5 savings points per Rs. 100 on all other spends

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Welcome gift

  • EazyDiner Gift Voucher

Extra Benefits

  • Redeemed against dues on your card or airline miles
  • You should be between the age of 18 and 65 years
  • Salaried or self-employed both are eligible
  • Good Cibil Score and Monthly income
  • No Joining and Annual Fees

10. Bank of Baroda Easy Credit Card

Bank of Baroda Easy Credit Card
Bank of Baroda Easy Credit Card

No joining and annual fees.

Apply Now

Reward Points

  • 5x Reward Points on every Rs. 100 spent on groceries, movies, and departmental stores
  • 1 Reward point for every Rs. 100 spent on other categories

Earn Cashback

  • 0.5% cashback on payment of card bill

Fuel surcharge waiver

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000

Extra Benefits

  • 3 lifetime free add-on cards
  • Report loss of card immediately to ensure zero liability on any fraudulent transactions
  • Up to 50 days of interest free credit from the date of any purchase
  • You must be age between 18 to 65
  • Minimum annual income must be INR 4 lakh per annam
  • Available both Salaried and Self-employed
  • No Joining and Annual Fees
  • Spend Rs. 6,000 within 60 days and Rs. 35,000 in a year, waiver of annual fees

9. Bank of Baroda Premier Credit Card

Bank of Baroda Premier
Bank of Baroda Premier Credit Card

No joining and annual fees.

Apply Now

Reward Points

  • 10 Reward Points for every Rs. 100 spent on Travel, Dining and Abroad (International spends)
  • 2 Reward Points for every Rs. 100 spent on other categories

Lounge Access

  • 1 Complimentary Airport Lounge Visit every calendar quarter

Fuel surcharge waiver

  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000

Extra Benefit

  • Exciting discounts on movies with the RuPay variant
  • 3 lifetime free add-on cards
  • Report loss of card immediately to ensure zero liability on any fraudulent transactions
  • Up to 50 days of interest free credit from the date of any purchase
  • You must be age between 18 to 65
  • Minimum annual income must be INR 4 lakh per annum
  • Available both Salaried and Self-employed
  • No Joining and Annual Fees
  • Spend  Rs. 10,000 within 60 days and  Rs. 1,20,000 in a year, waiver of annual fees

8. Bank of Baroda Prime Credit Card

Bank of Baroda Prime Credit Card
Bank of Baroda Prime Credit Card

No joining and annual fees.

Apply Now

Reward points

  • 4 reward points on every Rs 100 spent
  • 1% cashback on all spends

Fuel surcharge waiver

  • 1% fuel surcharge waived for all fuel transactions between  Rs. 400 to Rs. 5,000

Extra Benefit

  • 3 lifetime free add-on cards
  • Report loss of card immediately to ensure zero liability on any fraudulent transactions
  • Up to 50 days of interest free credit from the date of any purchase
  • You must be age between 18 to 65 years
  • Minimun Rs. 15,000 FD
  • No Joining and Annual Fees
  • Against FD of Rs. 15,000

7. Kotak Fortune Gold Credit Card

Kotak Fortune Gold Credit Card
Kotak Fortune Gold Credit Card

No joining and annual fees.

Apply Now

Easy Cash Access

    • Kotak and other VISA ATMs
    • Cash and fund transfer at branch
    • Call for a demand draft
    • Fund transfer and demand draft online

Interest Free Cash

    • Enjoy higher cash limit: 50% of your credit limit
    • Cash Advance fee of Rs. 199 per Rs. 10,000 or part thereof
    • Available all year around Up to 48 days

Fuel Surcharge Waiver

    • Applicable on Transactions between Rs. 500and Rs. 3000
    • Maximum fuel surcharge waiver allowed in a calendar year is Rs. 3500

Kotak Fortune Shield

    • In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting

Add-on Card

    • Your Add-on Card will have all the benefits that you enjoy on your Card

Extra Benefits

  • Spend Rs. 1, 50,000 in a year and get 4 free PVR tickets OR Cash back of Rs. 750
  • You must be age between 21 to 65 years
  • Income Rs. 3 Lakhs or above per annum
  • Applicant should be a resident of India
  • For Businessmen only
  • Location - Ahmedabad, Bangalore, Chandigarh, Chennai, Delhi (including Gurgaon and Noida), Hyderabad, Kolkata, Mumbai, Navi Mumbai and Pune

  • No Joining and Annual Fees

6. Kotak 811 DreamDifferent Credit Card

Kotak 811 DreamDifferent Credit Card
Kotak 811 DreamDifferent Credit Card

No joining and annual fees.

Apply Now

Reward Points

    • Earn 2 reward points against every Rs. 100 of online spends
    • Earn 1 reward point against every Rs. 100 of other spends

Welcome Benefits

    • Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up

Interest free cash withdrawal

    • You can withdraw cash up to 90% of your total credit limit

Fuel & Railway  Surcharge waiver

    • 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
    • 1.8%  for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year)

811 DreamDifferent Shield

    • In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre reporting
  • You must be age between 18 to 75
  • Minimum FD Amount - Rs. 10,000
  • Only Individual TDs are allowed
  • Applicant should be a resident of India
  • NRI customer can only apply via offline process
  • No Joining and Annual Fees
  • Against FD Amount - Rs. 10,000

 

5. IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card

No joining and annual fees.

Apply Now

Reward Points

    • 10X Reward Points on incremental spends above ₹20,000 per month
    • 10X Reward Points on your Birthday
    • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
    • Reward points that never expire

Welcome Gift

    • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
    • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance

Fuel Surcharge Waiver

    • 1%, at all fuel stations across India, up to ₹ 200/month

Railway Surcharge Waiver

    • 4 complimentary Railway lounge visits per quarter

IDFC FIRST Millennia Shield

    • Personal Accident Cover of ₹ 2 lakhs
    • Lost Card Liability Cover of ₹ 25, 000
    • Complimentary Roadside Assistance Rs. 1,399

Extra Benefits

  • 25% discount on movie tickets up to ₹ 100 (valid once per month)
  • 50+ in-App discount offers
  • Up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • You should be at least 18 years old
  • Salaried or self-employed both are eligible
  • Credit score must be 700 and above
  • Applicant should be a resident of India

  • No Joining and Annual Fees

4. IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card

No joining and annual fees.

Apply Now

Earn Reward Points

    • 10X Reward Points on incremental spends above ₹20,000 per month
    • 10X Reward Points on your Birthday
    • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
    • Unlimited Reward points that never expire

Welcome Gift

    • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
    • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance

Fuel Surcharge Waiver

    • 1%, at all fuel stations across India, up to ₹ 3oo/month

Lounge access

  • 4 complimentary Railway lounge visits per quarter
  • 4 complimentary Domestic airport lounge visits per quarter

Insurance and Road Assistance

  • Travel Insurance Cover of ₹ 22,500
  • Air Accident Cover of  ₹ 1 crore
  • Personal Accident Cover of ₹ 5 lakhs
  • Lost Card Liability Cover of ₹ 50,000

Extra Benefits

  • 25% discount on movie tickets up to ₹ 250 on Paytm mobile app (valid once per month)
  • 50+ in-App discount offers
  • Up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • You should be at least 18 years old
  • Salaried or self-employed both are eligible
  • Credit score must be 700 and above
  • Applicant should be a resident of India

  • No Joining and Annual Fees

3. IDFC FIRST Wealth Credit Card

Wealth Credit Card

No joining and annual fees.

Apply Now

Earn Reward Points

    • 10X Reward Points on incremental spends above ₹20,000 per month
    • 10X Reward Points on your Birthday
    • 6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
    • Unlimited Reward points that never expire

Welcome Gift

  • Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
  • 5% cashback on the transaction value for first EMI transaction within the first 90 days of card issuance

Fuel Surcharge Waiver

    • 1%, at all fuel stations across India, up to ₹ 4oo/month

Lounge access

    • 4 complimentary Domestic & International airport lounge visits per quarter

IDFC FIRST Wealth Benefits

  • 2 complimentary Golf rounds per month

Insurance and Road Assistance

  • Air Accident Cover of ₹ 1 cr
  • Personal Accident Cover of ₹ 10 lakhs
  • Travel Insurance Cover of Rs. 22,500
  • Complimentary Roadside Assistance Rs. 1,399

Extra Benefits

  • 25% discount on movie tickets up to ₹ 500 Paytm mobile app (valid once per month)
  • 50+ in-App discount offers
  • Up to 20% discount at 1500+ restaurants
  • Up to 15% discount at 3000+ Health & Wellness outlets
  • You should be at least 18 years old
  • Salaried or self-employed both are eligible
  • Credit score must be 700 and above
  • Applicant should be a resident of India

  • No Joining and Annual Fees

2. HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card
HSBC Visa Platinum Credit Card

No joining and annual fees.

Apply Now

Reward points

  • 5x rewards on subsequent purchases made after crossing spend amount of INR 400,000 with a max 15,000 accelerated (reward points in an anniversary year)

Earn Cashback

  • Get cashback worth INR250 on spending over INR50,000 in a month

Lounge Access

  • Introductory benefits up to INR 2,250 with 3 complimentary airport lounge access at domestic & international lounges or 3 AirDine (meal) vouchers
  • Air miles conversion on InterMiles, British Airways and Singapore Airlines

Fuel Surcharge Waiver

  • Up to INR3,000 annual savings on fuel surcharge

Welcome privileges (minimum transaction INR1,000 within 30 days of card issuance)

  • Amazon voucher INR500
  • 50% discount (up to INR100) on first transaction on Google Pay
  • 10% cashback, Spend Up to INR2,000

Extra Features

  • Buy one get one free movie tickets on Saturdays (Up to INR250) in BookMyShow
  • 15% instant discount on select products in Lifestyle, Electronics and Luxury Categories on TataCLiQ
  • You must be age between 18 to 65
  • Minimum annual income must be INR4,00,000 per annum for salaried and individuals
  • Current city of residence should be: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, or Pune
  • No Joining and Annual Fees

1. Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

No joining and annual fees.

Apply Now

Earn Cashback

  • 5% cashback on your purchases through Amazon for prime users
  • 3% cashback on purchases through Amazon for non-prime users
  • 2% cashback on all transactions using Amazon Pay at partner merchants
  • 1% cashback on all other transactions

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Dining Benefits

  • 15% on your dining bill at participating restaurants
  • You should be between the age of 18 and 60 years
  • Salaried or self-employed both are eligible
  • Salaried person monthly income of Rs. 25,000 or more
  • Self-employed monthly income of Rs. 35,000 or more
  • Individuals should have a Cibil Score of 750 or above
  • No Joining and Annual Fees

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