Best Lifetime Free Credit Cards with Zero Annual or Joining Fee
Credit cards with zero joining fees and no annual charges make these cards totally affordable.
Here’s a Look at the Top Banks Offering Lifetime Free Credit Cards. These cards are not ranked in any particular order. This information is based on the details available on bank websites as of October 18, 2024.
ICICI Bank Platinum Chip Credit Card
This card allows you to earn 2 reward points for every Rs. 100 spent, which can be exchanged for a wide range of products. It also offers enhanced security with chip technology, ensuring safe transactions.
ICICI Bank Instant Platinum Credit Card
Eligibility: Minimum FD amount of Rs. 50000 and above.
BookMyShow Offer: Get a 25% discount (up to Rs 100) on a minimum purchase of two tickets, up to twice a month via www.bookmyshow.com.
Fuel Surcharge Waiver: Enjoy a 2.5% waiver on fuel purchases at HPCL Petrol Pumps when using ICICI Merchant Services swipe machines, applicable for transactions up to Rs 4,000.
Reward Points: Earn 2 ICICI reward points for every Rs 100 spent (except on fuel purchases), which can be redeemed for a variety of attractive products.
Amazon Pay ICICI Bank Credit Card
Zero joining fee or Annual fee
Unlimited Rewards: No limit or expiry on the reward points earned with this card.
Redeem Rewards: Use your reward earnings to shop from over 10 crore products on www.amazon.in and at more than 100 merchant partners.
Exclusive Amazon Cashback:
Upto 5% cashback on purchases made at www.amazon.in for Amazon Prime members.
3% cashback on www.amazon.in for non-prime members.
Amazon Pay Benefits: Earn 2% cashback at over 100 Amazon Pay merchant partners when using this card on Amazon Pay.
Everyday Cashback: Enjoy 1% cashback on all other payments.
Yes Bank Prosperity Purchase Credit Card
No joining or Annual Fee: Enjoy zero joining and annual fees with the Prosperity purchase credit card.
Minimum Amount due:
For non-revolving credit: 100% of the total amount due (TAD)
For Revolving Credit: 5% of Total Amount Due (TAD) or INR 200, whichever is higher.
Finance Charges: On Non-Revolving Credit: 3.25% p.m. (39% p.a.), applicable from the date of the transaction.
On Revolving Credit: 2.49% p.m. (29.88% p.a.), applicable from the date of the transaction.
IDFC First Select credit card
Obtain up to 10X never-expiring reward points, buy-one-get-one on movie tickets, and year-round offers from top brands.
10X Reward Points: Earn 10X reward points when you cross Rs. 20,000 in a statement cycle and on your birthday.
3X Reward Points: Earn 3X reward points on rental and property management transactions.
Get 3X reward points on spending up to Rs. 20,000 in a statement cycle.
Kotak Mahindra Bank
811 #DreamDifferent credit card
Earn 4 reward points for every Rs. 100 spent on online transactions (Rupay variant).
Earn 1 reward point for every Rs. 100 spent on other transactions.
Interest-free cash withdrawals up to 90% of your total credit limit.
2 reward points on the existing 811 #DreamDifferent credit card.
There is no interest charged on cash advances for up to 48 days.
Processing fee: Rs. ATM withdrawals and fund transfers.
Fuel & Railway Surcharge Waiver:
1% at petrol pumps (Rs. 500-Rs. 3000; max Rs. 3500/year).
1.8% on IRCTC transactions, 2.5% on railway counters (maximum Rs. 500/year).
HSBC Visa Platinum Credit Card
Get Rs. 500 cashback when you download and log into the HSBC India mobile app within the first 30 days of receiving the card and spend a minimum of Rs. 5000.
On fuel fees, save up to Rs. 3000 annually with exclusive discounts.
Earn 2 reward points for every ₹150 spent for maximizing rewards.
Transform your reward points into flight miles with top airlines, including Club Vistara, Air India’s Flying Returns, Etihad Airways, British Airways, and Singapore Airlines.
Canara Bank
Canara Rupay Platinum Credit Card
Lounge Access: Enjoy complimentary access to select airport lounges.
Reward Points: Earn 2 reward points for every ₹100 spent on POS and e-commerce transactions.
Markup Fee: 3% on Forex Transactions (Lowest among Peer Banks)
Reward Redemption: Redeem your reward points for cashback through the specified website.
Standard Chartered Bank
Standard Chartered Platinum Rewards Credit Card Benefits
Bonus Reward Points: Get 5X Reward Points for every Rs. 150 spent at fine dining outlets.
Fuel Rewards: Get 5X reward points for every Rs. 150 spent on fuel purchases.
General Spending: Get 1x reward points for every INR 150 spent on other categories.
Fee Waiver: Spend Rs. 500 or more within 30 days of card issuance to waive the one-time fee of Rs. 250+ GST.
