Top 7 Lifetime Free Credit Cards in India 2025

Picture this: you’re swiping your credit card for a big online purchase, a fancy dinner, or a flight booking, and you’re racking up rewards without worrying about an annual fee eating into your savings. That’s the beauty of lifetime free credit cards. In 2025, India’s financial landscape is buzzing with options that let you enjoy the perks of credit—cashback, reward points, lounge access—without costing you a dime in fees. Whether you’re just starting your credit journey or looking to maximize value, these cards are designed to fit your lifestyle. Let’s dive into the top seven lifetime free credit cards in India for 2025, each tailored to different spending habits, and explore how to pick the one that’s right for you.

Why Lifetime Free Credit Cards Are a Game-Changer

Credit cards can be a powerful tool for managing expenses and earning rewards, but annual fees can be a dealbreaker, especially for beginners. Lifetime free credit cards eliminate that hurdle, offering benefits like cashback, discounts, and travel perks without any ongoing costs. They’re perfect for young professionals, students, or anyone who wants to keep things simple while still enjoying the advantages of credit. The trick is to choose a card that matches your spending habits—whether you’re a shopaholic, a foodie, or a frequent flyer. Below, we’ve rounded up the best options for 2025, based on their rewards, accessibility, and overall value.

The Top 7 Lifetime Free Credit Cards for 2025

1. Amazon Pay ICICI Credit Card

   • Best For: Online shopping enthusiasts, especially Amazon loyalists.

   • Key Benefits: Get up to 5% cashback on Amazon purchases (Prime members) or 3% (non-Prime members), 2% cashback at over 100 Amazon Pay partner merchants, and 1% on all other spends. Plus, a 1% fuel surcharge waiver at petrol pumps.

   • Why It Shines: If you’re like me and Amazon is your go-to for everything from gadgets to groceries, this card is a no-brainer. The cashback adds up quickly, especially for Prime members, and there’s no fee to worry about.

   • Availability: Apply

2. Fibe Axis Bank Credit Card

   • Best For: Foodies and entertainment buffs.

   • Key Benefits: Earn 3% cashback on online food delivery, entertainment, and local commutes, plus 1% on other spends. Enjoy 4 complimentary domestic airport lounge visits per year (after spending Rs. 50,000 in the prior quarter) and 15% off dining via EazyDiner.

   • Why It Shines: Perfect for young urbanites who love ordering takeout or streaming movies, this card makes everyday splurges more rewarding. The lounge access is a nice touch for occasional travelers.

   • Availability: Apply

3. IDFC FIRST Millennia Credit Card

   • Best For: High spenders seeking reward points.

   • Key Benefits: Get 10X rewards on spends above Rs. 20,000 monthly, 3X on spends up to Rs. 20,000, and 1 reward point per Rs. 150 spent. Enjoy a Rs. 500 voucher on spending Rs. 5,000 within 30 days and 25% off movie tickets via Zomato’s District app.

   • Why It Shines: This card rewards big spenders, especially on utilities and education, which many cards overlook. It’s a solid pick for those with hefty monthly budgets.

   • Availability: Apply

4. Federal Bank Scapia Credit Card

   • Best For: Travelers booking through Scapia.

   • Key Benefits: Earn 20% Scapia Coins on travel bookings (flights and hotels) via the Scapia app, 10% on other spends, and enjoy zero forex markup fees plus unlimited domestic lounge access (after meeting spend thresholds).

   • Why It Shines: A rare travel card with no fees, it’s ideal for frequent travelers who use Scapia. The coins are app-specific, but the savings are real.

   • Availability: Apply

5. Ixigo AU Credit Card

   • Best For: Travel bookings via Ixigo.

   • Key Benefits: Offers 10% discounts on flights, hotels, and buses via Ixigo, plus 20 reward points per Rs. 200 on train bookings. Includes 8 domestic and 1 international lounge visits annually, plus zero forex markup.

   • Why It Shines: If you book travel through Ixigo, this card maximizes savings with tailored discounts and lounge perks, perfect for frequent travelers.

   • Availability: Apply

6. EazyDiner IndusInd Bank Platinum Credit Card

   • Best For: Dining out and food lovers.

   • Key Benefits: Get a free 3-month EazyDiner membership (worth Rs. 1,095), 500 bonus EazyPoints, and up to 50% off dining bills. Earn 2 reward points per Rs. 100 on general spends and 7 points on insurance, rent, and utilities.

   • Why It Shines: Foodies will love the dining discounts and membership perks, making every restaurant visit a chance to save big.

   • Availability: Apply

7. HSBC Visa Platinum Credit Card

   • Best For: Everyday spending with rewards.

   • Key Benefits: Earn 2 reward points per Rs. 150 spent, with 5X rewards on spends above Rs. 4 lakh annually. Includes a Rs. 100 Amazon voucher on application and Rs. 500 cashback on spending Rs. 5,000 within 30 days.

   • Why It Shines: A versatile card for consistent spenders, it offers straightforward rewards and welcome perks, perfect for everyday use.

   • Availability: Apply

How to Choose the Perfect Card

Picking the right lifetime free credit card comes down to understanding your lifestyle. Here’s how to make the choice:

• Analyze Your Spending: If you’re always on Amazon, the ICICI card is a winner. Love dining out? Go for the EazyDiner card. Frequent flyer? Scapia or Ixigo cards are your best bet.

• Check Reward Types: Cashback (like Fibe Axis) is great for instant savings, while reward points (like IDFC or HSBC) offer flexibility for future redemptions.

• Look for Perks: Lounge access, dining discounts, or zero forex fees can add value, especially for travelers or foodies.

• Eligibility and Limits: Ensure you qualify and that the credit limit meets your needs.

• Bank Support: Choose a bank with reliable customer service for hassle-free assistance.

Final Thoughts

In 2025, lifetime free credit cards are a fantastic way to enjoy rewards without the sting of annual fees. From the Amazon Pay ICICI card for online shoppers to the EazyDiner IndusInd card for food lovers, there’s something for everyone. The key is to match the card to your spending habits and use it wisely—pay your bills on time and avoid carrying a balance to truly unlock the savings.