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Lifetime free credit cards in India

46 options, compared on the numbers that decide it: what you pay to hold one, what you get back, and who is eligible.

  • 46Options
  • 13Providers

A lifetime free card has no joining fee and no annual fee for as long as you hold it, with no minimum spend needed to keep it that way. It is a good first card, or a second card kept for one category.

46 cards (filtered)
TravelFeaturedLifetime Free
Federal Scapia Credit card

Federal Scapia Credit card

Scapia, issued by Federal Bank and Punjab National Bank

Joining fee
Free
Annual fee
Free
Rewards
2% on most spends; 4% only at partner merchants
Network
Visa
Read more
  • No Joining or Annual Fees
  • Enjoy International Transactions without any additional foreign currency markup fees
  • Unlock unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs 20,000 on the card every month
  • Earn 20 Scapia Coins per Rs 100 on travel bookings (flights & hotels) via the Scapia app. Earn 10 Scapia Coins per Rs 100 on most online & offline spends
  • Scapia Coins can be redeemed on Scapia App for any travel (Flight/Stays/Train/Bus) bookings for 100% of the booking value (5 Scapia Coins = Re 1)
Apply NowView details
CashbackFeaturedLifetime Free
Kiwi Credit Cards

Kiwi Credit Cards

Kiwi, issued by AU Small Finance Bank

Joining fee
Free
Annual fee
Free
Rewards
1% base, up to 1.5% on UPI payments
Network
RuPay
Read more
  • Get 1.5% Cashback on eligible Scan and Pay transactions with Kiwi LTF Card
  • Get 2% Cashback on eligible Scan and Pay transactions with Kiwi Neon Card
  • 0.5% Cashback on Online Transactions (Normal Exclusions like rent, fuel etc)
  • As a Kiwi Neon user, you can earn up to 5% Cashback and lounge access on an annual spend of Rs 50,000 & above on the Kiwi App
  • As a Kiwi Neon user, get 1 complimentary airport lounge access each time you achieve the annual spend milestones of Rs 50k, 1akh & 1.5 lakh
  • Earn 2 Reward points for every Rs 200 spent on non-UPI transactions
Apply NowView details
Showing 24 of 46

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions About Lifetime free Credit cards

Straight answers before you apply. Each card's own terms are on its page.

Is a lifetime free card really free?

There is no joining or annual fee. Interest, late payment fees and charges like the forex markup still apply when they are triggered.

Can a bank start charging a fee later?

Banks can change card terms with notice. If that happens, the card's page shows the change under Recent Changes.

Does a free card hurt my credit score?

No. Your score depends on paying on time and how much of your limit you use, not on the card's fee.

How many Lifetime free credit cards does SkyloFin compare?

46 right now, each with its fees, benefits and eligibility from the provider's own published terms. SkyloFin never charges you to apply.

Work Out the Numbers

Free calculators that run in your browser. Nothing you type is sent to us.

Credit Card Rewards CalculatorIs my credit card's annual fee worth the rewards?Credit Card Interest CalculatorWhat does paying only the minimum cost me?No-Cost EMI Reality CheckerIs no-cost EMI really free?
Lifetime Free Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Lifetime Free Credit Cards guides
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