Top 10 Free Credit Cards in India
List of Top 10 Lifetime Free Credit Cards in India
- Amazon Pay ICICI Bank Credit Card
- HSBC Visa Platinum Credit Card
- IDFC FIRST Wealth Credit Card
- IDFC FIRST Select Credit Card
- IDFC FIRST Millennia Credit Card
- Kotak 811 DreamDifferent Credit Card
- Kotak Fortune Gold Credit Card
- Bank of Baroda Prime Credit card
- Bank of Baroda Easy Credit Card
- Indusind Bank Platinum Aura Edge Credit
Credit Card | Category | Best For |
---|---|---|
Amazon Pay ICICI Credit Card | Cashback | Amazon/ Amazon Pay, Dining |
HSBC Visa Platinum Credit Card | Reward/ Travel | Anniversary, Airport Lounge, Air miles, Amazon voucher |
IDFC FIRST Wealth Credit Card | Reward/ Travel | Birthday, Golf rounds, Airport Lounges |
IDFC FIRST Select Credit Card | Reward/ Cashback/ Travel | Birthday, Railway Lounge, movie |
IDFC FIRST Millennia Credit Card | Lifestyle | Restaurants, Movie, Health & Wellness |
Kotak 811 DreamDifferent Credit Card | Reward | Online spends, Fuel & Railway Surcharge |
Kotak Fortune Gold Credit Card | Fuel | Fuel surcharge, Movie |
Bank of Baroda Prime Credit Card | Reward | Lifetime free add-on cards |
Bank of Baroda Easy Credit Card | Reward/ Cashback | Groceries, Movies, Departmental Stores |
Indusind Platinum Aura Edge Credit | Diner/ Reward | Grocery, EazyDiner, Airline miles |
10. Indusind Bank Platinum Aura Edge Credit Card

Indusind Bank Platinum Aura Edge Credit
No joining and annual fees.
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
9. Bank of Baroda Easy Credit Card

Bank of Baroda Easy Credit Card
No joining and annual fees.
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
8. Bank of Baroda Premier Credit Card

Bank of Baroda Prime Credit Card
No joining and annual fees.
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
No joining and annual fees.
Easy Cash Access
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- 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
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- 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
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- In case your Credit Card is stolen, you get a cover of Rs. 50,000 against fraudulent usage up to 7 days pre-reporting
- 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
- 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 Fortune Gold Credit Card
No joining and annual fees.
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
- Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
Interest free cash withdrawal
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- You can withdraw cash up to 90% of your total credit limit
- You can withdraw cash up to 90% of your total credit limit
Fuel & Railway Surcharge waiver
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- 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
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- 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
No joining and annual fees.
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
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- 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
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- 1%, at all fuel stations across India, up to ₹ 200/month
- 1%, at all fuel stations across India, up to ₹ 200/month
Railway Surcharge Waiver
-
- 4 complimentary Railway lounge visits per quarter
- 4 complimentary Railway lounge visits per quarter
IDFC FIRST Millennia Shield
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- Personal Accident Cover of ₹ 2 lakhs
- Lost Card Liability Cover of ₹ 25, 000
- Complimentary Roadside Assistance Rs. 1,399
- Personal Accident Cover of ₹ 2 lakhs
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
No joining and annual fees.
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
- 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.
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
- 1%, at all fuel stations across India, up to ₹ 4oo/month
Lounge access
-
- 4 complimentary Domestic & International airport lounge visits per quarter
- 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
No joining and annual fees.
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
No joining and annual fees.
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