Best Lifetime Free Credit Cards in India 2026
Zero annual fee forever — every reward these cards earn is pure net value. We compared 138 cards — 138 of them lifetime free — on what you actually keep after fees, reward caps and exclusions. Our current top pick is CheQ AU Credit Card.
Top 20 Lifetime Free Credit Cards Ranked
| # | Card | Annual Fee | Base Earn | Standout |
|---|---|---|---|---|
| 1 |  CheQ AU Credit CardAU Small Finance Bank | Free (LTF) | 5.0% | 5.0% effective base earn |
| 2 |  BOBCARD EternaBank of Baroda | Free (LTF) | 5.0% | 5.0% effective base earn |
| 3 |  Snapdeal BOBCARDBank of Baroda | Free (LTF) | 5.0% | 5.0% effective base earn |
| 4 |  BOBCARD ScapiaBank of Baroda | Free (LTF) | 5.0% | 5.0% effective base earn |
| 5 |  AU Zaggle Credit CardAU Small Finance Bank | Free (LTF) | 4.0% | 4.0% effective base earn |
| 6 |  Unity Bank BharatPe Credit CardUnity Small Finance Bank | Free (LTF) | 2.0% | 2.0% effective base earn |
| 7 |  BOBCARD Etihad Guest PremiumBank of Baroda | Free (LTF) | 1.5% | 1.5% effective base earn |
| 8 |  IndusInd ePay Amex Credit CardIndusInd Bank | Free (LTF) | 1.4% | 1.4% effective base earn |
| 9 |  BOBCARD PremierBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 10 |  BOBCARD TiaraBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 11 |  BOBCARD EasyBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 12 |  BOBCARD SelectBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 13 |  HPCL Energie BOBCARDBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 14 |  ICAI Exclusive BOBCARDBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 15 |  Indian Army YODDHA BOBCARDBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 16 |  BOBCARD VikramBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 17 |  Instant RuPay BOBCARDBank of Baroda | Free (LTF) | 1.3% | 1.3% effective base earn |
| 18 |  Dhi CUB Visa Signature Credit CardCity Union Bank | Free (LTF) | 1.3% | 1.3% effective base earn |
| 19 |  HDFC PIXEL Play Credit CardHDFC Bank | Free (LTF) | 1.0% | 1.0% effective base earn |
| 20 |  Amazon Pay ICICI Bank Credit CardICICI Bank | Free (LTF) | 1.0% | 1.0% effective base earn |
Base earn = ₹ value earned per ₹100 of everyday spend at the card's standard rate, before category accelerators. Every card page shows caps, exclusions and the net value math for your own monthly spend.
More Lifetime Free Credit Cards Worth a Look
Google Pay Flex Axis Bank Credit CardIndianOil Easy Axis Bank Credit CardFibe Axis Bank Credit CardCRED IndusInd Bank RuPay Credit CardOneCard Metal Credit Cardslice UPI Credit CardUni GoldX Credit CardJupiter Edge+ CSB Bank RuPay Credit CardIDBI Bank LIC CSL Eclat Select Credit CardUtkarsh superCard (FD-backed)ICICI Platinum Chip Credit CardIDFC FIRST Select Credit CardBOBCARD Etihad GuestDBS Vantage Credit CardIDBI Bank Royale Signature Credit CardIDBI Bank LIC CSL Lumine Platinum Credit CardIndusInd Platinum RuPay Credit CardPaytm AU Credit CardKlick Credit CardKotak Cashback+ Credit CardCanara Rupay Classic Credit CardCanara MasterCard Standard Credit CardCanara VISA Classic Credit CardCanara Mastercard Gold Credit CardCanara VISA Gold Credit CardCanara Mastercard Gold Secured Credit CardCanara VISA Gold Secured Credit CardCanara Rupay Platinum Credit CardCanara Visa Platinum Credit CardCanara Mastercard Platinum Credit Card
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