Top 5 Lifetime Free Credit Cards in India


In 2025, several Indian banks are offering lifetime free credit cards that provide a range of benefits without any annual fees. These cards cater to various spending habits, ensuring that users can enjoy rewards, discounts, and other perks without incurring additional costs. Here’s a look at five of the top lifetime free credit cards available in India: 

1. Tata Neu Infinity HDFC Bank Credit Card 

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HDFC Bank, in collaboration with Tata Neu, offers the Tata Neu Infinity Credit Card as a lifetime free option through targeted promotions on the Tata Neu app. This card is particularly advantageous for those who frequently shop with Tata partner brands and prefer using RuPay UPI transactions. 

Key Benefits: 

  • Lounge Access: Complimentary domestic and international airport lounge visits without any minimum spending requirements. 
  • Rewards Program: Earn NeuCoins on purchases made within the Tata ecosystem, which can be redeemed across various Tata brands. 

Unique Selling Proposition (USP): The card’s seamless integration with Tata Neu and its generous lounge access benefits make it a compelling choice for frequent travelers and shoppers within the Tata network. 

2. Axis Bank My Zone Credit Card 

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Axis Bank’s My Zone Credit Card is available as a lifetime free offering under a limited-time promotion. It appeals to individuals who enjoy dining out and entertainment activities. 

Key Benefits: 

  • Dining Discounts: Attractive discounts on food orders through Swiggy. 
  • Entertainment Offers: Access to ‘Buy One Get One’ deals on the District app by Eternal, covering various entertainment and experiential activities. 

Unique Selling Proposition (USP): The card’s focus on dining and entertainment, coupled with its lifetime free status, makes it ideal for those who frequently indulge in these activities. 

3. Axis Bank Neo Credit Card 

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The Axis Bank Neo Credit Card, now available on the RuPay platform, is offered as a lifetime free card. It’s designed for individuals seeking value through merchant partnerships and discounts. 

Key Benefits: 

  • Merchant Discounts: Exclusive deals with partners like Zomato and Amazon Pay, providing savings on everyday purchases. 
  • Reward Points: Accumulate reward points on various transactions, which can be redeemed for gifts and vouchers. 

Unique Selling Proposition (USP): The card’s partnerships with popular merchants and its fee-free structure make it a practical choice for daily expenses. 

4. IDFC FIRST Bank Credit Cards 

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IDFC FIRST Bank offers a suite of lifetime free credit cards, including the Millennia, Select, Classic, and Wealth variants. These cards are tailored to different customer segments, providing a range of benefits. 

Key Benefits: 

  • Reward Rates: Earn up to 2.5% in rewards on select spending categories. 
  • Lounge Access: Depending on the card variant, enjoy complimentary access to both airport and railway lounges. 
  • Additional Perks: Services like roadside assistance and other value-added benefits enhance the user experience. 

Unique Selling Proposition (USP): The diverse range of cards ensures that there’s an option suitable for various spending habits and lifestyle needs, all without annual fees. 

5. Amazon Pay ICICI Bank Credit Card 

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In partnership with Amazon, ICICI Bank offers the Amazon Pay Credit Card as a lifetime free option, catering especially to online shoppers. 

Key Benefits: 

  • Cashback on Amazon: Prime members earn 5% cashback, while non-Prime members earn 3% on Amazon.in purchases. 
  • Other Purchases: Earn 1% cashback on all other transactions, both online and offline. 
  • No Expiry: Cashback earnings do not expire and can be used for future purchases on Amazon.in. 

Unique Selling Proposition (USP): The card’s straightforward cashback structure and its integration with Amazon make it a must-have for frequent online shoppers. 

Conclusion 

The availability of lifetime free credit cards in India provides consumers with opportunities to enjoy various financial benefits without the burden of annual fees. Cards like the Tata Neu Infinity HDFC Bank Credit Card, Axis Bank’s My Zone and Neo Credit Cards, IDFC FIRST Bank’s range of offerings, and the Amazon Pay ICICI Bank Credit Card cater to diverse spending patterns and lifestyle preferences. By selecting a card that aligns with individual needs, users can maximize rewards, discounts, and other perks, enhancing their overall financial experience. 


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