Lifetime Free Credit Cards (No Annual Fee) in India - 2026

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0
• Rent Payments – 1% of transaction value, with min. ₹1 for transaction amount up to ₹1,000 and min. ₹199 for transaction amount above ₹1,000
• Wallet Transactions - Min. 1% of transaction value or ₹1 whichever is higher

Joining Perks

• Free subscription to CreditStrong
• ₹250 Amazon Pay/Swiggy/Zomato voucher*

Rewards

• Online dining: ₹ 200 = 10 points
• Online grocery & online apparel: ₹ 200 = 6 points
• Other retail spends (except fuel): ₹ 200 = 2 points

Documents

• PAN card
• Aadhaar number

What you'll love

• No joining fee. No annual fee. It's lifetime FREE

• Lifetime-free CreditStrong subscription: A credit fitness report with real-time dashboard to track spends & monitor credit score

• Exclusive reward points sharing with your family & friends

• 1% fuel-surcharge waiver across all fuel stations in India (for transactions between ₹500 - ₹3,000) (from 15 June 2026)

• Accelerated rewards on online dining, grocery & apparel

• *Visa Offer: ₹250 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300*

• Current month offers:*

• Zepto: ₹100 off (min. spend of ₹1,251)

• Goibibo: Up to 20% off on flights, hotels & bus bookings

• District Dining: 10% off, up to ₹500 (min. spend of ₹4,000)

• Swiggy: ₹75 off (min. spend of ₹750)

• MakeMyTrip: 10% off on international flights for students (min. spend of ₹50,000)

• Lulu Stores: 10% off, up to ₹500 (min. spend of ₹4,000)

Think about

• Reward points valid for 36 months from the date of accrual

• No reward points on rent, wallet, government & marketing/advertising category transactions, utility spends, cash advance fees, Priority Pass charges and EMI transactions

• 1% charge on utility transactions for monthly utility spends exceeding ₹25,000. Capped at ₹5,000 per transaction.

• This card will be issued on VISA network only

• 1% fee + GST levied on every passenger railway transaction of value greater than ₹30,000 & cumulative monthly spends exceeding ₹80,000

• 1% fee + GST levied on Tolls/Bridge Transaction fee (shown as Transportation Fee) if transaction is more than Rs.10,000 or cumulative spends exceeds Rs.50,000 in a calendar month

• Above change will be in effect from 1 April 2026; fee capped at ₹5,000 per transaction for all spend categories

• *Limited validity. T&C apply

• Click for Card Monthly Offers
• Click here for KFS document

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0

Joining Perks

• Free monthly Credit Advisory Report
• ₹300 Amazon Pay/Swiggy/Zomato voucher*

Rewards

• Groceries: ₹100 = 5 points
• Other spends: ₹100 = 1 point

Documents

• PAN card
• Aadhaar number

What you'll love

• Lifetime-free card. Zero annual and joining fees

• 10% instant discount on BookMyShow (up to ₹100 per month)

• 10% cashback on Zomato (up to ₹100 per month)

• Up to 1,000 reward points every month on grocery spends. 5 reward points for every ₹100 you spend on groceries.

• Free Credit Advisory Report every month from BankBazaar

• 1 reward point = ₹0.20

• *Visa Offer: ₹300 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300*

• Current month offers:*

• Zepto: ₹100 off (min. spend of ₹1,000)

• EaseMyTrip: Up to 25% off on flight & hotel bookings

• Ixigo: Up to 12% off on flight & hotel bookings

• Yatra: Up to ₹10,000 off on flight bookings

• Swiggy Instamart: 5% off (min. spend of ₹9,999)

• Swiggy food: ₹75 off on weekends (min. spend of ₹599)

Think about

• Max. reward points on accelerated categories capped at 1,000 per month

• Pre-qualification is not a guarantee of final approval; approval is solely at the discretion of the bank, subject to compliance with underwriting policies

• No reward points on fuel & auto, utilities, insurance, railways, real estate/rental, government services, education, contracted services and misc. spends.

• No reward points for EMI conversion of retail transactions, cash, quasi cash, wallet/service providers and Bills2Pay.

• *Limited validity. T&C apply

• Click here for KFS document
• Click here for MITC document
• Click for Card Monthly Offers

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0

Joining Perks

• ₹250 Amazon Pay/Swiggy/Zomato voucher*

Rewards

• All category spends: ₹150 = 1.5 points

Documents

• PAN card
• Aadhaar number

What you'll love

• No joining fee. No annual fee. No hidden fee. It’s lifetime FREE

• Redeem reward points towards cash credit (1RP = ₹0.40)

• Redeem reward points towards non-cash credit (1RP = ₹0.60)

• Travel insurance cover of up to ₹1,00,000 on lost baggage/passport/ticket & missed connection flight

• 1% fuel-surcharge waiver at petrol bunks on transactions between ₹500 & ₹3,000, up to ₹100 per billing cycle

• Multiple reward redemption options including IndusMoments, airline miles on Krisflyer, cash credit and pay with rewards

• Redeem up to 10,000 reward points against KrisFlyer Miles in a month

• Redeem up to 2,500 reward points against cash credit in a month

• *Visa Offer: ₹250 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300*

• Current month offers:*

• WOW! Momo: ₹50 off on WOW! Eats app orders (min. spend of ₹199)

• Zouk: Up to ₹500 off (min. spend of ₹1,199)

• Zepto: ₹100 off (min. spend of ₹999)

• Ajio: ₹150 off (min. spend of ₹1,299)

• Myntra: Additional 10% off (min. spend of ₹999)

• Apollo Pharmacy: Full Health Screen at ₹799

• Ixigo: 8% off on flight bookings

Think about

• Fuel transactions will not accrue reward points

• Max. 2,500 reward points allowed for cash redemption per month, w.e.f 1st Sep 2024

• Min. 500 reward points required for redemption towards cash credit & airline miles

• *Limited validity. T&C apply

• Click for Card Monthly Offers

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0
• Rewards redemption fee - ₹99 per redemption request
• Rent payment fee - 1% of total transaction amount
• Forex markup - 3.5% on all foreign currency transactions

Joining Perks

• Amazon Pay e-voucher worth ₹200*
• ₹250 Amazon Pay/Swiggy/Zomato voucher**

Rewards

• Electronics, apparel: ₹200 = 3 points
• Entertainment: ₹200 = 2 points
• Other spends (except specific categories): ₹200 = 1 point

Documents

• PAN card
• Aadhaar number

What you'll love

• No joining fee. No annual fee. It’s lifetime FREE

• * ₹200 Amazon Pay e-voucher on min. spend of ₹3,000 within the first 30 days

• Buy one, get one free offer on INOX movie tickets once every quarter

• Up to 3 reward points on every ₹200 spent (1 Federal Point = ₹0.25)

• One complimentary domestic airport lounge visit every quarter on min. quarterly spend of ₹20,000

• Complimentary Swiggy vouchers on quarterly spend of ₹20,000

• Access to a variety of Visa offers on travel, food and dining, shopping, sports, entertainment, lifestyle, etc.

• **Visa Offer: ₹250 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300*

• Current month offers:*

• District: 10% off on movies, events & dining (min. spend of ₹500)

• EazyDiner: 10% off (min. spend of ₹2,500)

• Swiggy: 10% off (min. spend of ₹999)

• BookMyShow: 10% off up to ₹200 (min. spend of ₹500)

Think about

• Cash, fuel spends, e-wallet loading transactions, rent payments and government services will not accrue reward points

• Reward points accrued for insurance transactions capped at 250 points per card per month

• *Limited validity. T&C apply

• Click for Card Monthly Offers

Fee Details

• 1st Year - ₹ 0
• 2nd Year Onwards - ₹ 0

Joining Perks

• ₹300 Amazon Pay/Swiggy/Zomato voucher*

Rewards

• Online domestic retail spends: 10X or 5X points
• POS & contactless offline domestic spends: 10X or 5X points
• Utility & insurance spends: ₹100 = 1 point
• All retail spends: ₹100 = 1 point

What you'll love

• Customisable card with choice of features and pricing

• Switch features on/off as required

• No joining or annual fee

• 1% fuel-surcharge waiver at petrol bunks on transactions between ₹400 - ₹5,000

• Milestone cashback: Up to 5% cashback on retail spends in addition to reward points*

• 5% cashback 3 times over 90-day period on min. retail spend of ₹10,000 (max. cashback of ₹500 over a 30-day period)*

• 2% cashback 3 times over 90-day period on min. retail spend of ₹15,000 (max. cashback of ₹1,000 over a 30-day period)*

• Category cashback: 5% cashback on grocery & apparel spends (max. ₹500 in each 30 days' period)

• Up to 2 domestic airport lounge visits per 90 days

• Select features starting from ₹49 to earn rewards, cashback & other varied benefits

• Features valid for 90 days from date of activation; check feature FAQs and T&C for short-duration features run by bank

• Fuel-surcharge waiver capped at ₹1,500 in a 90-day period on opting for the fuel-surcharge waiver feature

• Earn up to 10,000 reward points in a statement cycle

• Earn up to 100 reward points per transaction on insurance & utilities

• 3-month ZEE5, Amazon Prime subscription**

• *Visa Offer: ₹300 Amazon Pay/Swiggy/Zomato voucher on activating new card with min. transaction of ₹300***

Think about

• Fuel, rent, cash withdrawal, education & government services transactions will not accrue reward points

• Insurance and utilities transactions not eligible for accelerated rewards

• *Milestone cashback earned by spending min ₹10,000 in 30 days (Max cashback of ₹500 for 30 days)

• *Fuel, rent, cash withdrawal, EMI & BBPS transactions not considered

• **Spend min ₹5,000 in 90 days after activating ZEE5 membership to avoid ₹50 penalty

• **Spend min ₹10,000 in 90 days after activating Amazon Prime membership to avoid ₹299 penalty

• ***Limited validity. T&C apply