Home / Cards / Lifetime Free

Best Lifetime Free in India 2026

Compare the best lifetime free in India. 4 cards ranked by our experts.

Showing 4 cards

Best for: Frequent Amazon shoppers, especially Prime members looking for a no-fee card with unlimited cashback on Amazon purchases. Also ideal for first-time credit card users and students.
Amazon Pay ICICI Bank

Amazon Pay ICICI Bank

4.2 CardNitty rating
APPLY NOW on ICICI Bank's website

Annual fee

FREE

Rewards rate

₹1.00 - ₹5.00/₹100

#32

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
1.99% #3
Domestic Lounge
1/year #54
Min Credit Score
750+ #50
Categories Cashback, Co-Branded, Entry Level, Lifetime Free, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with zero joining and annual fees
  • Up to 5% unlimited cashback on Amazon for Prime members
  • No cap on cashback earnings and rewards never expire
  • Low forex markup of 1.99%
  • 1% fuel surcharge waiver
  • 15% off dining via ICICI Culinary Treats
  • Seamless auto-redemption to Amazon Pay balance

Cons

  • Cashback limited to Amazon Pay balance, not statement credit
  • No airport lounge access without Rs. 75,000 quarterly spend
  • No insurance or travel benefits
  • No cashback on fuel, rent, EMI, international, education, or wallet load spends
  • 1% base rate on non-Amazon spends is below some competitors
  • New fees from Jan 2026: wallet load, gaming, transportation surcharges
Read full review
Best for: Google Pay users who pay utility bills, Swiggy/Zomato/Ola users, people seeking strong base cashback with no cap
Axis Bank Ace

Axis Bank Ace

3.7 CardNitty rating
APPLY NOW on Axis Bank's website Rates & Fees

Annual fee

₹499

#9

Rewards rate

₹5.00/₹100

#32

Joining fee

₹499

#10

Interest rate

55.55%

#88
Card details
Forex Markup
3.50% #27
Domestic Lounge
4/year #38
Min Credit Score
750+ #50
Categories Cashback, Entry Level, Lifetime Free, Lounge Access
View full details
CardNitty's take

Pros

  • Highest cashback (5%) on utility bills via Google Pay
  • Uncapped 1.5% base cashback on all other spends
  • 4 complimentary domestic airport lounge visits per year
  • Low annual fee of Rs. 499, waivable on Rs. 2 lakh annual spend
  • 4% cashback on Swiggy, Zomato and Ola
  • Free card replacement
  • 1% fuel surcharge waiver up to Rs. 500 per cycle

Cons

  • Accelerated cashback (5% and 4%) capped at Rs. 500 per statement cycle combined
  • iOS users cannot use Google Pay bill pay feature for 5% cashback
  • No cashback on fuel, EMI, rent, wallet loads, insurance and gold purchases
  • 3.5% forex markup makes it poor for international transactions
  • Base cashback reduced from 2% to 1.5% in April 2024 devaluation
Read full review
Best for: Budget-conscious users wanting a lifetime free card with air miles conversion and fuel benefits
HSBC Visa Platinum

HSBC Visa Platinum

4.1 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹4.00/₹100

#50

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
750+ #50
Categories Entry Level, Fuel, Lifetime Free, Rewards
View full details
CardNitty's take

Pros

  • Lifetime free - zero joining and annual fees
  • Air miles conversion to 14+ airline partners
  • Rs.250 fuel cashback per quarter on contactless payments
  • Visa Signature perks including Times Prime membership
  • 3-year reward point validity

Cons

  • No airport lounge access
  • High 3.5% forex markup
  • Many reward exclusion categories
  • Average base reward rate of 0.67%
Read full review
Best for: First-time credit card users, UPI payment enthusiasts, and those seeking a lifetime free card with basic rewards and international usability.
HSBC RuPay Platinum

HSBC RuPay Platinum

3.2 CardNitty rating
APPLY NOW on HSBC Bank's website

Annual fee

FREE

Rewards rate

₹0.67/₹100

#86

Joining fee

FREE

Interest rate

45.00%

#37
Card details
Forex Markup
3.50% #27
Min Credit Score
700+ #3
Categories Entry Level, Lifetime Free, Rewards, Shopping
View full details
CardNitty's take

Pros

  • Lifetime free with no joining or annual fees
  • Earn 2 reward points per ₹150 spent
  • UPI payment integration with all major apps
  • International usage via JCB network in 160+ countries
  • Fuel surcharge waiver up to ₹3,000 annually
  • 48 days interest-free period
  • Contactless payments enabled

Cons

  • No lounge access (domestic or international)
  • No milestone benefits
  • Basic reward rate compared to premium cards
  • Limited to entry-level features
Read full review

Compare Cards

0 of 4 cards selected

No cards selected

Add cards to compare their features, fees, and rewards side by side.

Select at least 2 cards to compare