Top lifetime free credit cards with no annual, joining fee

Credit cards with like zero joining fees and no yearly charges, making these cards truly affordable.

Here is a look at top banks’ lifetime free credit cards. Do note that these are not ranked in any particular order; the information is based on what is available on the bank websites collected on October 18, 2024.

ICICI Bank
ICICI Bank Platinum Chip Credit Card
This Card lets you earn 2 Reward Points for every Rs 100 spent, which can be exchanged for a variety of products. Additionally, it provides security through a chip technology ensuring safe transactions.

Top credit cards festive season offers 2024: SBI Card, HDFC Bank, ICICI Bank, Axis Bank, IndusInd Bank

ICICI Bank Instant Platinum Credit Card

• Eligibility: FD amount should be of Rs 50,000 and above.
• Avail of 25% discount up to Rs 100 on purchase of minimum two tickets up to two times in a month through www.bookmyshow.com
• Enjoy waiver of 2.5% fuel surcharge on fuel purchases at HPCL Petrol Pumps when the Card is swiped on the ICICI Merchant Services swipe machines. Fuel surcharge waiver is applicable only for transaction up to Rs 4000.
• Earn 2 ICICI reward points on every Rs 100 spent except on fuel purchases. Redeem your ICICI reward points for attractive products.

Amazon Pay ICICI Bank Credit Card
No joining fee or annual fee

• No limit or expiry date on the rewards earned using this card
• Reward earnings can be used to purchase from over 10 crore products at www.amazon.in and at more than 100 merchant partners.
• 5% cashback on transactions made at www.amazon.in for Amazon Prime members*
• Earn 3% cashback on transactions made at www.amazon.in for customers who are not Amazon Prime members*
• 2% cashback on transacting at over 100 Amazon Pay merchant partners on using this card on Amazon Pay *
• 1% cashback on all other payments*

New credit card rules: SBI Card, ICICI Bank, HDFC Bank latest credit card rule changes

Kotak Mahindra Bank
811 #DreamDifferent Credit Card
Key features

• Earn 4 reward points against every Rs. 100/- of online* spends
• Earn 1 reward point against every Rs. 100/- of other spends
• Interest free cash withdrawal
• You can withdraw cash up to 90% of your total credit limit.
• Processing fee of Rs. 100 for every instance of ATM withdrawal and Funds Transfer
• No interest will be charged up to 48 days on cash advance
• Fuel & Railway Surcharge waiver
• 1% across all petrol pumps for transactions between Rs. 500/- and Rs. 3000/- (max. Rs. 3500/year)
• 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year
• *4 Reward Points are applicable on 811 #DreamDifferent Credit Card Rupay variant.
• *2 Reward Points are applicable on existing 811 #DreamDifferent Credit Card.

Canara Bank
Canara Rupay Platinum Credit Card
Key features

• Lounge Access: Available at Selected Lounges
• Reward Points: 2 Points per every Rs 100/- spent on POS/ E-Commerce
• Markup Fee: 3% on Forex Transactions (Lowest among Peer Banks)
• Options to Redeem Reward Points: Cashback or Goods Purchase through website specified.

IDFC FIRST Bank
IDFC FIRST Select credit card
Key features

• Get up to 10X never-expiring Reward Points, buy-one-get-one on movie tickets, and year-round offers from top brands.
• 10X Reward Points on crossing spends of Rs 20,000 in a statement cycle & on your birthday
• 3X Reward Points on Spends till Rs 20,000 in a statement cycle
• 3X Reward Points on rental and property management transactions.

Bank of Baroda
Bank of Baroda Prime credit card

Key features

• 2 Reward Points* for every Rs. 100 spent on Departmental stores, Movie spends
• 1 reward point for every Rs. 100 spent on other categories
• 0.5 reward point for every Rs. 100 spent on Select MCCs*
• 1% fuel surcharge waiver ** at all fuel stations on all transactions between Rs 400 and Rs 5000. Max. Rs. 250 per statement cycle).

Yes Bank
YES Prosperity Purchase Credit Card

Key features

• Enjoy zero joining and annual fee with the Prosperity Purchase Credit Card
• Minimum Amount Due#-
• • For Non-Revolving credit: 100% of Total Amount Due (TAD)
• • For Revolving credit: 5% of Total Amount Due (TAD) or INR 200, whichever is higher
• Finance Charges (on overdue amount & Cash advances from the date of non-payment)#
• • On Non-Revolving credit: 3.25% p.m., 39% p.a. applicable from the date of transaction
• • On Revolving credit2.49% p.m., 29.88% p.a applicable from the date of transaction.

Standard Chartered Bank

Standard Chartered Platinum Rewards Credit Card Benefits
Key features

• Get 5x reward points for every INR 150 spent at fine-dining outlets
• Get 5x reward points for every INR 150 spent on fuel
• Get 1x reward points for every INR 150 spent on other categories
• *Spend of Rs 500 or more within 30 days from card issuance to avoid levy of onetime fee of INR 250 + GST.

HSBC
HSBC Visa Platinum Credit Card
Convert your points into air miles with Air India's Flying Returns, Etihad Airways, British Airways and Singapore Airlines.