Lifetime Free Credit Cards [ALL IN ONE]

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.

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.

Kotak Mahindra Bank Credit Cards:

HSBC Credit Cards:

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:

Bank of Baroda Credit Card:

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. :slight_smile:

Thank you. :slight_smile: