Best Lifetime Free Credit Cards in India 2026
Zero annual fee forever — every reward these cards earn is pure net value. We compared 158 credit cards (including 158 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.
AI Inside RuPay Credit Card
3.0% effective base earn
AI Inside RuPay Credit Card
Annual Fee
Free
Headline Rate
3% on other
AI Inside Credit Card
Annual Fee
Free
Headline Rate
3% on other
SBM Kredit.Pe Credit Card
Annual Fee
Free
Headline Rate
3% cashback
Scapia Axis Bank Credit Card
Annual Fee
Free
Headline Rate
2% on travel
Unity Bank BharatPe Credit Card
Annual Fee
Free
Headline Rate
2% cashback
IndusInd ePay Amex Credit Card
Annual Fee
Free
Headline Rate
4x on other
CheQ AU Credit Card
Annual Fee
Free
Headline Rate
12x on amazon
ICAI Exclusive BOBCARD
Annual Fee
Free
Headline Rate
5x on online
Indian Army YODDHA BOBCARD
Annual Fee
Free
Headline Rate
2x on other
BOBCARD Vikram
Annual Fee
Free
Headline Rate
5x on other
Instant RuPay BOBCARD
Annual Fee
Free
Headline Rate
5 pts/₹100
Dhi CUB Visa Signature Credit Card
Annual Fee
Free
Headline Rate
1.25% on other
CUB SalarySe Level Up Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
ESAF Bank INORI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.25% cashback
HDFC PIXEL Play Credit Card
Annual Fee
Free
Headline Rate
5% on other
Amazon Pay ICICI Bank Credit Card
Annual Fee
Free
Headline Rate
5% on amazon
Google Pay Flex Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% cashback
IndianOil Easy Axis Bank Credit Card
Annual Fee
Free
Headline Rate
4x on fuel
Fibe Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1% on other
Axis Bank Supermoney RuPay Credit Card
Annual Fee
Free
Headline Rate
1% cashback
AU Zaggle Credit Card
Annual Fee
Free
Headline Rate
8% on other
IDFC FIRST Quantum+ Credit Card
Annual Fee
Free
Headline Rate
2% on online
IDFC FIRST LIC Select Credit Card
Annual Fee
Free
Headline Rate
8x on insurance
RBL Bank Paisabazaar Duet Credit Card
Annual Fee
Free
Headline Rate
1% on online
YES BANK Paisabazar PaisaSave RuPay Credit Card
Annual Fee
Free
Headline Rate
6% on dining
UNI Rupay Credit Card
Annual Fee
Free
Headline Rate
1% on other
Federal Scapia Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on travel
CRED IndusInd Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on online
Indian Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
OneCard Metal Credit Card
Annual Fee
Free
Headline Rate
1x on other
slice UPI Credit Card
Annual Fee
Free
Headline Rate
1% cashback
Uni GoldX Credit Card
Annual Fee
Free
Headline Rate
1x on travel
IDBI Bank LIC CSL Eclat Select Credit Card
Annual Fee
Free
Headline Rate
4 pts/₹100
Utkarsh superCard (FD-backed)
Annual Fee
Free
Headline Rate
2% on flipkart
MobiKwik First Suryoday SFB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1% cashback
SBM MobiKwik First Credit Card
Annual Fee
Free
Headline Rate
1% cashback
ICICI Platinum Chip Credit Card
Annual Fee
Free
Headline Rate
1x on utilities
IDFC FIRST Select Credit Card
Annual Fee
Free
Headline Rate
5x on dining
IDBI Bank Royale Signature Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
IDBI Bank LIC CSL Lumine Platinum Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
Jupiter Edge+ CSB Bank RuPay Credit Card
Annual Fee
Free
Headline Rate
50x on online
Kotak Solitaire Business Credit Card
Annual Fee
Free
Headline Rate
7x on travel
IDFC FIRST LIC Classic Credit Card
Annual Fee
Free
Headline Rate
4.8x on insurance
IndusInd Platinum RuPay Credit Card
Annual Fee
Free
Headline Rate
2x on other
AU CA Metal Credit Card
Annual Fee
Free
Headline Rate
8x on dining
AU CS Credit Card
Annual Fee
Free
Headline Rate
8x on dining
Paytm AU Credit Card
Annual Fee
Free
Headline Rate
1x on other
IDFC FIRST Wealth Credit Card
Annual Fee
Free
Headline Rate
6.67x on other
Klick Credit Card
Annual Fee
Free
Headline Rate
2x on other
PNB Prakram Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara MasterCard Standard Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Classic Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara VISA Gold Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Mastercard Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Platinum Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Rupay Select Credit Card
Annual Fee
Free
Headline Rate
5x on utilities
Canara Rupay Select Secured Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara MasterCard World Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Canara Visa Signature Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOI RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
BOI SwaDhan RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2 pts/₹100
Suryoday SFB Stable Money RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Suryoday SFB Stable Money RuPay Select Credit Card
Annual Fee
Free
Headline Rate
0.5% on online
Axis Bank MY Zone Easy Credit Card
Annual Fee
Free
Headline Rate
10x on dining
BOBCARD Scapia
Annual Fee
Free
Headline Rate
4x on travel
Federal One Co-branded Credit Card
Annual Fee
Free
Headline Rate
10x on other
IndusInd Tiger Credit Card
Annual Fee
Free
Headline Rate
6x on other
IndusInd EazyDiner Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
IndusInd Platinum Visa Credit Card
Annual Fee
Free
Headline Rate
1x on other
IndusInd Platinum Master Credit Card
Annual Fee
Free
Headline Rate
1x on other
CUB CSK RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
CUB SRH RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on other
HSBC Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
8x on travel
PNB Rakshak RuPay Select Credit Card
Annual Fee
Free
Headline Rate
2.67x on other
PNB Visa Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
PNB SALARY RuPay Select Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
IDBI Bank Aspire Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33 pts/₹100
Kotak UPI RuPay Credit Card
Annual Fee
Free
Headline Rate
3 pts/₹100
ICICI Bank Parakram Select Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
ICICI Bank Parakram Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
AU LIT Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
AU Kosmo Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
ixigo AU Credit Card
Annual Fee
Free
Headline Rate
1x on travel
RBL Bank BankBazaar SaveMax Credit Card
Annual Fee
Free
Headline Rate
5x on groceries
BOBCARD Uni GoldX
Annual Fee
Free
Headline Rate
1x on other
BOBCARD One
Annual Fee
Free
Headline Rate
1x on other
ICSI Diamond BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Indian Coast Guard Rakshamah BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
Assam Rifles The SENTINEL BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
FinBooster Credit Card
Annual Fee
Free
Headline Rate
1x on online
Zagg Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Priority Visa Infinite Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
DigiSmart Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
IndusInd Platinum Aura Edge Credit Card
Annual Fee
Free
Headline Rate
4x on other
PNB RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Rakshak RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Visa Classic Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Visa Gold Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PNB Patanjali RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on other
PNB SALARY RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Union Bank PM SVANidhi Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
J&K Bank Platinum Privilege Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
Utkarsh Wish Credit Card
Annual Fee
Free
Headline Rate
3x on utilities
BOBCARD Ujjivan SFB Elite Credit Card
Annual Fee
Free
Headline Rate
2.5x on dining
LIC Axis Bank Signature Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
LIC Axis Bank Platinum Credit Card
Annual Fee
Free
Headline Rate
2x on insurance
Kwik Axis Bank Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
PM SVANidhi BOBCARD
Annual Fee
Free
Headline Rate
1 pts/₹100
IOB VISA Classic Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
IOB VISA Gold Credit Card
Annual Fee
Free
Headline Rate
1 pts/₹100
BOBCARD Ujjivan SFB Platinum Credit Card
Annual Fee
Free
Headline Rate
1x on other
Platinum Rewards Card
Annual Fee
Free
Headline Rate
3.33x on dining
IOB RuPay Classic Credit Card
Annual Fee
Free
Headline Rate
0.67 pts/₹100
Kotak Infinite Credit Card
Annual Fee
Free
Headline Rate
0.8 pts/₹100
IDFC FIRST WOW! Credit Card
Annual Fee
Free
Headline Rate
0.5x on travel
IDFC FIRST Millennia Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
IDFC FIRST Classic Credit Card
Annual Fee
Free
Headline Rate
1.25x on dining
AU InstaPay RuPay Credit Card
Annual Fee
Free
Headline Rate
1% on groceries
HSBC RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
1.33x on travel
BOBCARD Prime
Annual Fee
Free
Headline Rate
0 pts/₹100
RuPay Credit Card
Annual Fee
Free
Headline Rate
1x on online
YES BANK novio Credit Card
Annual Fee
Free
Headline Rate
5 pts/₹100
YES Bank novio RuPay Credit Card
Annual Fee
Free
Headline Rate
5x on travel
YES BANK Niyo Credit Card
Annual Fee
Free
Headline Rate
4x on online
Kotak Solitaire Credit Card
Annual Fee
Free
Headline Rate
10x on travel
Federal Bank Visa Celesta Credit Card
Annual Fee
Free
Headline Rate
1x on other
Federal Bank Visa Imperio Credit Card
Annual Fee
Free
Headline Rate
1x on other
Federal Bank Visa Signet Credit Card
Annual Fee
Free
Headline Rate
1x on other
PM SVANIDHI Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank VISA Bharat Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Indian Bank One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IB-Rupeek Co-Branded Gold Backed Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB ZET Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB novio Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
IOB novio Select Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Cent Aspire Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach RuPay Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
CUB Kavach Master Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Titanium Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Platinum Credit Card (Secured)
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB VIBE360 Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
TMB Vertex Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB novio Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
DCB Niyo Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Unity Roarbank Credit Card
Annual Fee
Free
Headline Rate
0% cashback
Secured SIB One Co-Branded Credit Card
Annual Fee
Free
Headline Rate
2x on other
SBM ZET Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
SBM novio Credit Card
Annual Fee
Free
Headline Rate
1x on fuel
SBM Magnet Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
Niyo SBM Global Credit Card
Annual Fee
Free
Headline Rate
20x on online
Saraswat Bank Secured RuPay Platinum Credit Card
Annual Fee
Free
Headline Rate
0 pts/₹100
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