Want to own a Lifetime Free Credit Card? Don’t want to pay annual charges on your credit card? This thread will give you all information regarding Lifetime Free Credit Cards in India.
Note: This is an ongoing discussion that is frequently updated. Please keep checking back this post regularly for new updates.
Before we begin: Every credit card has a spend-based target for waiving off the annual charges of the card for the subsequent year. (For example, annual charges waived off on spends above 2L in a year, etc.) For the sake of clarity, we are NOT considering the total spend-based targets offered on each card.
HDFC Credit Cards:
Although HDFC Bank does not offer Lifetime Free credit cards by default, nearly all HDFC Credit Cards can be converted to Lifetime Free if you follow specific steps during your application. Read: How to Apply & Convert HDFC Credit Card to Lifetime Free?
ICICI Credit Cards:
The following Credit Cards offered by ICICI Bank have no annual fees.
- Amazon Pay ICICI Credit Card: No Joining Fees. No Annual Fees.
- ICICI Platinum Chip Credit Card: No Joining Fees. No Annual Fees.
- Makemytrip ICICI Platinum Credit Card: ₹500 Joining Fees. No Annual Fees.
- Makemytrip ICICI Signature Credit Card: ₹2500 Joining Fees. No Annual Fees.
IDFC Credit Cards:
IDFC Bank launched 4 Credit Cards in February 2021. The good news is, all of these credit cards are Lifetime Free Cards. Read: IDFC First Bank Credit Cards Post with Comparison.
Axis Bank Credit Cards:
Axis Neo Credit Card and Axis MyZone Credit Card is offered as a Lifetime Free Card to Axis Bank users who get it as a preapproved offer from the bank. If you apply manually, ₹250 & ₹500 annual charges will be applicable respectively.
IndusInd Bank Credit Cards:
IndusInd Bank offers many Credit Cards for a one-time issuance fee. There are no renewal fees associated with it.
- IndusInd Bank Platinum Aura Credit Card: ₹500 Joining Fees. No Annual Fees.
- IndusInd Bank Platinum Aura Edge Credit Card: ₹500. No Annual Fees.
- IndusInd Bank Platinum Select Credit Card: ₹999 Joining Fees. No Annual Fees.
- IndusInd Bank Platinum Credit Card: ₹3000 Joining Fees. No Annual Fees.
- IndusInd Bank Iconia VISA Credit Card: ₹3500 Joining Fees. No Annual Fees.
- IndusInd Bank Iconia AMEX Credit Card: ₹3500 Joining Fees. No Annual Fees.
- IndusInd Bank Duo Credit Card: ₹249 Joining Fees. No Annual Fees.
- IndusInd Bank Payback Credit Card: ₹249 Joining Fees. No Annual Fees.
- IndusInd Bank Nexxt Credit Card: ₹3499 Joining Fees. No Annual Fees.
- IndusInd Bank Legend Credit Card: ₹9999 Joining Fees. No Annual Fees.
- IndusInd Bank Pinnacle Credit Card: ₹12999 Joining Fees. No Annual Fees.
Kotak Mahindra Bank Credit Cards:
- Kotak 811 DreamDifferent Credit Card: No Joining Fees. No Annual Fees. Issued against an FD with Kotak Mahindra Bank.
- Kotak Fortune Gold Card: No Joining Fees. No Annual Fees.
- Kotak Best Price Card: No Joining Fees. No Annual Fees. Valid for Best Price wholesale stores only.
HSBC Credit Cards:
- HSBC Visa Platinum Credit Card: No Joining Fees. No Annual Fees.
- HSBC Smart Value Credit Card: No Joining Fees. No Annual Fees.
- HSBC Premier Mastercard Credit Card: No Joining Fees. No Annual Fees.
- HSBC Advance VISA Platinum Credit Card: No Joining Fees. No Annual Fees.
OneCard Metal Credit Card:
OneCard is a fully metal credit card offered by FPL Technologies, in partnership with IDFC First Bank. This card is also offered Lifetime Free. Read: OneCard Metal Credit Card.
SBI Credit Card:
SBI Unnati Credit Card: No Joining Fees. No Annual Fees for 4 years. 5th Year onwards, Annual fees of ₹499 applicable. But still wanted to include it as it is a Free Card offered for 4 years, and usually, people upgrade/change their credit card sooner than that.
Yes Bank Credit Cards:
- Yes First Exclusive Credit Card: No Joining Fees. No Annual Fees. Limited Time Offer (as verified on 6th May 2021).
- Yes First Preferred Credit Card: No Joining Fees. No Annual Fees. Limited Time Offer (as verified on 6th May 2021).
Bank of Baroda Credit Card:
- BOB Prime Credit Card: No Joining Fees. No Annual Fees. Issued against an FD with Bank of Baroda.
LIC of India Credit Cards:
LIC of India has partnered with Axis Bank and come up with a few Credit Cards. All of them are Lifetime Free. Read: LIC of India Lifetime Free Credit Cards.
More Details to be added very soon. 
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