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ICICI Lifetime Free Credit Cards

ICICI Bank offers lifetime free credit cards that let you enjoy all the benefits of a credit card without paying any annual fees. These cards are perfect for earning rewards, cashback, and discounts on your purchases, all while saving money. Whether you enjoy shopping, dining, or traveling, ICICI's lifetime free credit cards provide great value without any extra charges.

Updated On - 04 Oct 2025
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Best ICICI Lifetime Free Credit Cards

Currently, ICICI offers three credit cards under the lifetime free scheme:

  1. ICICI Instant Platinum Credit Card
  2. ICICI Bank HPCL Coral Credit Card
  3. ICICI Chip Platinum Credit Card

Note: The zero fee credit cards listed below either have no annual charges or the fee is reversible if you meet the card usage requirements as stated by the bank.

icici lifetime free credit card

Advantages of using ICICI Lifetime Free Credit Cards

  1. The annual fee is not only low but also reversible.
  2. The card is secure and safe to use.
  3. There are payback rewards.
  4. There is a waiver on fuel surcharge.
  5. There are offers on dining.

Lifetime Free ICICI Instant Platinum Credit Card

The ICICI Instant Platinum Credit Card is an excellent option for people without a salary. Whether you are a student, a stay-at-home parent, or a first-time user, this credit card is a great choice. The only requirement is to open a Fixed Deposit account.

Features & Benefits of Lifetime Free ICICI Instant Platinum Credit Card

  1. If you open a fixed deposit account with ICICI Bank, it provides a guaranteed credit card with no annual fees and no income verification.
  2. It offers global emergency support service and card replacement assistance.
  3. It offers about 15% savings via ICICI Culinary Treats Program.
  4. It offers up to Rs.100 off on any movie ticket that is booked via BookMyShow.

Rewards of Lifetime Free ICICI Instant Platinum Credit Card

  1. For every Rs. 100 spent, you get two reward points. But this does not cover fuel.
  2. The accumulated reward points can be redeemed for amazing gifts.
  3. It offers 1% fuel surcharge waiver, provided that the transaction is up to Rs.4000 and is done only at an HPCL petrol pump.
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Fees and Charges of Lifetime Free ICICI Instant Platinum Credit Card

Type of Fee

Charge

Annual fee

Nil

Renewal fee

Nil

Add-on card charges

Nil

Cash advance fee

2.49% a month (29.88% per annum)

FTF (Foreign Transaction Fee)

3.5% of the transaction amount

Interest rate

2.49% every month

Fee for redeeming the reward points

Rs.99

Over-limit fee

2.5% of the total over-limit amount (Rs.500 minimum)

Cheque return penalty fee

2% of the total amount (Rs.450 minimum)

Fee for requesting a duplicate statement

Rs.100

Fee for card replacement

Rs.100

Cash/cheque pickup fee

Rs.100 for every pickup

Late payment charges

  1. If the credit card bill is up to Rs.100, there are no penalties.
  2. If the bill amount is from Rs.100 to Rs.500, the penalty is Rs.100.
  3. If the bill amount is from Rs.501 to Rs.10,000, the penalty is Rs.500.
  4. If the bill amount exceeds Rs.10,000, the penalty is Rs.750.
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ICICI Bank HPCL Coral Credit Card

The ICICI Bank HPCL Coral Credit Card is one of the easier cards to apply for, particularly if you're a new customer. In addition to other benefits, it offers one person free access to a domestic airport lounge once every three months. Starter or basic credit cards typically don't offer the same perks as the ICICI Coral Card.

Features & Benefits of Lifetime Free ICICI Bank HPCL Coral Credit Card

  1. When a movie ticket is ordered through BookMyShow, it offers a discount of Rs. 100. You may take advantage of this deal twice a month.
  2. When you dine at any of their partner restaurants, it helps you save at least 15% on your bill. Through the ICICI Bank Culinary Treat Program, this plan is available.
  3. It comes with an inbuilt microchip for additional security.
  4. It offers an interest-free (or grace) period of 18 - 48 days.

Lifetime Free HPCL Coral Credit Card – Rewards and Benefits

  1. It offers 1% fuel surcharge waiver on a maximum transaction of Rs.4000 but only at an HPCL petrol pump.
  2. With a minimum transaction of Rs.500, it offers a reward of up to Rs.100 on fuel purchases made at any HPCL gas station.
  3. For every Rs.100 you spend on retail items, you receive 2 return points. Be aware that gasoline transactions are not included in this.
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Fees and Charges of Lifetime Free ICICI Bank HPCL Coral Credit Card

Type of Fee

Charge

Annual fee

Rs.199 and is reversible if you spend Rs.50,000 or more in the course year

Joining fee

Rs.199 + GST

Add-on card charges

Nil

Cash advance fee

2.5% of the advance amount, which is subject to a minimum of Rs.300

Over-limit charge

2.5% of the over-limit amount, which is subject to a minimum of Rs.500

Cheque return fee

2% of the transacting amount, which is subject to a minimum of Rs.450

Auto-debit return charge

2% of the transacting amount, which is subject to a minimum of Rs.450

Cash payment fee

Rs.100 at any ICICI branch

Processing fee for an outstanding cheque

1% of the actual cheque value, which is subject to a minimum of Rs.100

Jetprivilege Miles Capping fee

Rs.7,500

Cheque/cash pickup fee

Rs.100 for each pickup

Fee for requesting a duplicate statement

Rs.100

Fee for requesting a charge slip

Rs.100 each

FTF (Foreign Transaction Fee)

Rs.3.5%

Late payment charges

  1. If the credit card bill is within Rs.99, there are no penalties.
  2. If the bill amount is from Rs.100 to Rs.500, the penalty is Rs.100.
  3. If the bill amount is from Rs.501 to Rs.10,000, the penalty is Rs.500.
  4. If the bill amount exceeds Rs.10,000, the penalty is Rs.750.
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ICICI Bank Platinum Chip Credit Card - Lifetime Free

The ICICI Chip Platinum Credit Card is an entry-level card designed for first time customers. Its goal is to provide customers with increased comfort, security, and flexibility. The credit card has both VISA and MasterCard payment channels. Regardless of whether you spend money on dining, vacation, or shopping, this card has a lot to offer. But this does not cover fuel.

ICICI Platinum Chip Credit Card – Lifetime Free Features & Benefits

  1. Your ICICI Credit Card offers worldwide emergency support in the unlikely event that it is lost outside of India. As soon as this option is used, the card will be blocked, and you will receive a new card with emergency cash on it.
  2. The card can be used at any ATM in the world.
  3. There is a minimum 15% discount if you dine at any of the 2500 restaurants that are associated with it. Access to this program is made possible by the ICICI Culinary Treats Program.
  4. It offers 1% fuel surcharge waiver, given that the transaction amount is up to Rs.4000 and is only done at an HPCL petrol pump.

Rewards of lifetime free ICICI Bank Platinum Chip Credit Card

  1. It helps you earn 2 payback points for Rs.100 that you spend on retail purchases.
  2. The collected reward points can be easily redeemed for striking products or gift vouchers at any of the ICICI's partner stores.
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Fees and Charges of lifetime free ICICI Bank Platinum Chip Credit Card

Type of Fee

Charge

Joining fee

Rs.199 + GST

Annual fee for the subsequent year

Rs.99. It can be reversed if you spend Rs.50,000 or more in the previous year

Add-on card charges

Nil

Interest rate

3.4% per month

Cash advance fee

2.5% of the advance amount, which is subject to a minimum of Rs.300

Overdue interest rate on the extended credit

3.4% each month (40.8% per annum)

Over-limit fee

2.5% of the over-limit amount, which is subject to a minimum of Rs.500

Fee for cheque return

2% of the transacting amount, which is subject to a minimum of Rs.450

Auto-debit return charge

2% of the transacting amount, which is subject to a minimum of Rs.450

Cash/cheque pickup fee

Rs.100 for each pickup

Cash payment charge

Rs.100 at any ICICI branch

Processing fee for an outstanding cheque

1% of the actual cheque value, which is subject to a minimum of Rs.100

Foreign Transaction Fee (FTF)

3.5% of the total transaction amount

Late payment charges

  1. If the credit card bill amount is within Rs.99, there are no penalties.
  2. If the bill amount is between Rs.100 and Rs.500, the penalty is Rs.100.
  3. If the bill amount is between Rs.501 and Rs.10,000, the penalty is Rs.500.
  4. If the bill amount is above Rs.10,000, the penalty is Rs.750.
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How to Apply for ICICI Lifetime Free Credit Cards Online?

Step 1: Go to the official website of ICICI bank. (https://www.icicibank.com/card/credit-cards/credit-card.page)

Step 2: Select Products > Cards > Credit Cards from the menu.

Step 3: From the listed credit cards, choose the one suiting your lifestyle needs. Click on Apply Now.

Step 4: Fill in all the details and click submit.

Step 5: A bank representative will call you following the verification process to assist you with the following steps.

Other Banks Lifetime Free Credit Cards
  1. HDFC Lifetime Free Credit Card
  2. Axis Bank Lifetime Free Credit Card
  3. Standard Chartered Lifetime Free Credit Card
  4. Kotak Bank Lifetime Free Credit Card
  5. HSBC Lifetime Free Credit Card
  6. Canara Bank Lifetime Free Credit Card
  7. RBL Bank Lifetime Free Credit Card
Looking for lifetime free credit cards? Apply here!

FAQs on ICICI Lifetime Free Credit Cards

  • How long does it take to receive the credit card?

    The application is accepted right away if all the information is true, and you fulfil the prerequisites. You will receive the credit card within five to seven business days.

  • What should you do if your card is stolen, lost or damaged?

    If the card is lost or stolen, you need to call the ICICI bank 24x7 customer care number and report it immediately. Upon doing this, the card is blocked instantly.

  • Can you reapply for the credit card if it is lost?

    Yes, you can request for a fresh card at the time of reporting.

  • Do the reward points expire?

    Yes. The accrued reward points expire if they are not redeemed in the given period.

Types of Credit Card
  1. Top 10 Credit Cards in India
  2. Fuel Credit Cards
  3. Lifetime Free Credit Cards
  4. Kisan Credit Card
  5. Student Credit Cards in India
  6. Shopping Credit Cards
  7. Contactless Credit Cards
  8. Travel Credit Cards
  9. Co-Branded Credit Cards
  10. Lifestyle Credit Cards
  11. Rewards Credit Cards
  12. Business Credit Cards
  13. NRI Credit Cards
  14. Cashback Credit Cards
  15. Lounge Access Credit Cards
Credit Card by Banks
  1. Axis Bank Credit Card
  2. HDFC Bank Credit Card
  3. Kotak Bank Credit Card
  4. Federal Bank Credit Card
  5. SBI Credit Cards
  6. HSBC Credit Card
  7. IndusInd Bank Credit Card
  8. RBL Bank Credit Card
  9. Standard Chartered Credit Card
  10. YES Bank Credit Card
  11. Canara Bank Credit Card
  12. Punjab National Bank Credit Card
  13. Bank of Baroda Credit Card
  14. IDBI Credit Card
  15. Union Bank of India Credit Card
  16. Bank of India Credit Card
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  5. Credit Card Insurance Benefits
  6. How to Apply for Lost Credit Card
  7. Reasons for Credit Card Rejection
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  9. Difference between Credit Card & Debit Card
Credit Card Customer Care
  1. SBI Credit Card Customer Care
  2. HDFC Bank Credit Card Customer Care
  3. Axis Bank Credit Card Customer Care
  4. Federal Bank Credit Card Customer Care
  5. IndusInd Bank Credit Card Customer Care
  6. PNB Credit Card Customer Care
  7. RBL Bank Credit Card Customer Care
  8. Kotak Credit Card Customer Care
  9. Yes Bank Credit Card Customer Care
  10. Standard Chartered Credit Card Customer Care
  11. Canara Bank Credit Card Customer Care
  12. HSBC Credit Card Customer Care
  13. Indian Bank Credit Card Customer Care
  14. Bank of Baroda Credit Card Customer Care
  15. Bank of India Credit Card Customer Care
  16. Union Bank of India Credit Card Customer Care
Credit Card Bill Payment
  1. Credit Card Bill Payment
  2. SBI Credit Card Bill Payment
  3. HDFC Credit Card Bill Payment
  4. Federal Bank Credit Card Bill Payment
  5. Axis Bank Credit Card Bill Payment
  6. IndusInd Credit Card Bill Payment
  7. Kotak Credit Card Bill Payment
  8. Standard Chartered Credit Card Bill Payment
  9. RBL Bank Credit Card Bill Payment
  10. HSBC Credit Card Bill Payment
  11. PNB Credit Card Bill Payment
  12. Canara Bank Credit Card Bill Payment
  13. Bank of Baroda Credit Card Bill Payment
  14. Bank of India Credit Card Bill Payment
  15. Union Bank Credit Card Bill Payment
Credit Card Eligibility
  1. Credit Card Eligibility
  2. SBI Credit Card Eligibility
  3. HDFC Credit Card Eligibility
  4. Federal Bank Credit Card Eligibility
  5. Axis Bank Credit Card Eligibility
  6. Yes Bank Credit Card Eligibility
  7. IndusInd Bank Credit Card Eligibility
  8. HSBC Credit Card Eligibility
  9. Kotak Credit Card Eligibility
  10. Canara Bank Credit Card Eligibility
  11. Standard Chartered Credit Card Eligibility
  12. RBL Bank Credit Card Eligibility
  13. Bank of Baroda Credit Card Eligibility
  14. Union Bank Credit Card Eligibility
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