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Lifetime Free Credit Cards: 7 lifetime free credit cards with zero annual and joining fees

If you are a credit card user, you would know the burden of annual and renewal fees is a common concern. Banks automatically add credit card renewal fee to the previous month’s billing cycle, making it a recurring expense. However, a preferred alternative is getting a lifetime free creditcard which does not impose any annual or renewal fees. These types of credit cards are gaining popularity for providing multiple rewards and benefits.
Here is a list of 7 best lifetime free credit cards with zero annual and joining fees. Please note that these credit cards are not ranked in any specific order; the information is gathered from bank’s official websites as of November 27, 2023.
HDFC Bank: Shoppers Stop HDFC Bank Credit Card
Features and Rewards:

  • Lifetime FREE credit card
  • Earn 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 First Citizen Points per month
  • Earn 2 First Citizen Points for every Rs 150 spent on all other Shoppers Stop brands & other category spends (except fuel & wallet)
  • Complimentary Shoppers Stop membership
  • FC point= 60 paise
  • Welcome Benefit of Rs 500 worth Shoppers Stop voucher, redeemable on a minimum shopping of Rs 3,000 at Shoppers Stop stores (w.e.f. 5th Dec, 2022).
  • Earn 2000 First Citizen Points on spending Rs 2 Lakhs annually.

Kotak Mahindra Bank: Lifetime Free Credit Card – 811 #DreamDifferent
Features and Rewards:

  • No annual fee and joining fee
  • Earn 2 reward points against every Rs 100 of online spends
  • Earn 1 reward point against every Rs 100 of other* spends
  • 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).

IDFC FIRST Bank: Classic Credit Card – Lifetime Free Card
Features and Rewards:

  • No annual fee. Lifetime Free Credit Card
  • 10X Reward Points on incremental spends above Rs 20,000 per month and spends done on your birthday
  • 6X & 3X Reward Points on online & offline purchases respectively for spends up to Rs 20,000 per month
  • Unlimited Reward points that never expire

ICICI Bank: Amazon Pay ICICI Bank Credit Card
Features and Reward Points:

  • No joining fee or annual fee
  • No limit or expiry date on rewards earned
  • Earn 5% back on purchases on Amazon India for Amazon Prime member card holders; non-Prime card holders earn 3% back (except for digital and Gift Card purchases, which earn 2% back)
  • Earn 2% back at 100+ Amazon Pay Partner merchants
  • 1% back for all other payments
  • 1% surcharge waiver for all fuel purchases
  • Reward earnings can be used to purchase from over 10 crore products at www.amazon.in and at more than 100 Amazon Pay partner merchants.

YES Bank: YES Prosperity Purchase Credit Card
Key Features and Rewards:

  • Zero joining and annual fee
  • 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs 400 to Rs 5,000. Monthly cap of Rs 500 per cycle.

Standard Chartered Bank: Platinum Rewards Credit Card
Features and Rewards:

  • Get a Platinum Rewards Credit Card that is free for life
  • 5X benefits on luxury dining and fuel purchases, with no monthly reward limit
  • Earn 5 reward points for every Rs 150 spent on dining and fuel with no monthly cap on the rewards earned
  • Earn 1 reward point for every Rs 150 spent on all other categories
  • Zero Annual and Joining Fees: Spend of Rs 500 or more within 30 days from card issuance to avoid the levy of a one-time fee of Rs 250 + GST.

Bank of Baroda: Easy Credit Card
Key Features and Rewards:

  • 5X Reward Points for every Rs 100 spent on Departmental stores, Movie spends
  • 1 reward point for every Rs 100 spent on other categories
  • 0.5 reward point for every Rs 100 spent on Select MCCs
  • Fuel Surcharge Waiver
  • Zero annual fees basis card usage
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs 400 and Rs 5,000 (Max. Rs 250 per statement cycle). Note: No Reward Points are earned on fuel transactions.
  • Spend Rs 6,000 within 60 days and Rs 35,000 in a year for reversal/waiver of annual fees

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