M16S / Lifetime free credit cards
156 cards
Lifetime free credit cards
156 credit cards in India with no joining fee and no annual fee, from 32 banks. 150 are open to new applicants. Sorted by annual fee, lowest first, with closed and invite-only cards last.
Included when both the joining fee and the annual fee are zero in the documents read. Banks can attach conditions; check each card's fee notes.
Narrow this list: Lifetime free credit cards with airport lounge access · Lifetime free credit cards with low forex markup · Lifetime free RuPay credit cards for UPI
| Card | Annual fee | Base return | Forex | Lounge in India |
|---|---|---|---|---|
AU ABC Flex Credit CardAU Small Finance Bank | Free | — | 3.5% | — |
AU ABC Nxt Credit CardAU Small Finance Bank | Free | — | 3.5% | — |
AU CA Metal Credit CardAU Small Finance Bank | Free | 0.5% | 1.99% | 2 per calendar quarter |
AU CS Credit CardAU Small Finance Bank | Free | 0.5% | 1.99% | 2 per calendar quarter |
 AU Corporate Credit CardAU Small Finance Bank | Free | — | — | 8 per year (max 2 per quarter) |
AU Fi MagniFi Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
AU KOSMO Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
 AU LIT Credit CardAU Small Finance Bank fees only | Free | — | 3.49% | Paid feature: Rs 399 buys… |
AU Purchase Credit CardAU Small Finance Bank | Free | — | — | 8 per year (max 2 per quarter) |
 AU Zaggle Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
Amazon Pay ICICI Bank Credit CardICICI Bank | Free | 1% | 1.99% | — |
| Free | 0.1% | 3.5% | — | |
Axis KWIK Credit CardAxis Bank | Free | 0.2% | 3.5% | — |
Axis SuperMoney RuPay Credit CardAxis Bank | Free | 1% | 3.5% | — |
 Bank of Baroda Assam Rifles The Sentinel BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
Bank of Baroda BOBCARD ConQRBank of Baroda fees only | Free | — | 3.5% | — |
 Bank of Baroda BOBCARD PrimeBank of Baroda fees only | Free | — | 3.5% | — |
 Bank of Baroda BOBCARD Scapia Credit CardBank of Baroda | Free | — | 0% | Unlimited domestic lounge… |
Bank of Baroda BOBCARD Uni GoldXBank of Baroda | Free | — | 0% | — |
 Bank of Baroda BOBCARD VikramBank of Baroda | Free | 0.25% | 3% | — |
 Bank of Baroda ICAI Exclusive BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) |
 Bank of Baroda ICSI Diamond BOBCARDBank of Baroda | Free | 0.25% | 2% | 12 per year (3 per quarter) at… |
 Bank of Baroda Indian Army Yoddha BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 per year (2 per quarter) |
 Bank of Baroda Indian Coast Guard Rakshamah BOBCARDBank of Baroda | Free | 0.5% | 3% | 8 domestic lounge visits per… |
Bank of Baroda Indian Navy Varunah BOBCARDBank of Baroda | Free | 0.25% | 3.5% | — |
Bank of Baroda Instant RuPay BOBCARD (bob e-Pay)Bank of Baroda fees only | Free | — | 3.5% | 'Complimentary lounge access'… |
Bank of India RuPay Platinum Credit CardBank of India | Free | 0.5% | — | — |
Bank of India SwaDhan RuPay Platinum Credit CardBank of India | Free | 0.5% | — | — |
| Free | 0.2% | 1% | — | |
Canara MasterCard Standard Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara MasterCard World Credit CardCanara Bank | Free | 0.5% | 3% | 3 self + 2 guest per quarter |
Canara Mastercard Gold Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara Mastercard Gold Secured Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara Mastercard Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 self + 1 guest per quarter |
Canara RuPay Classic Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara RuPay Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Platinum Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter, maximum 4 per year |
Canara RuPay Select Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
Canara RuPay Select Secured Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (primary… |
Canara Visa Classic Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara Visa Gold Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara Visa Gold Secured Credit CardCanara Bank | Free | 0.5% | 3% | — |
Canara Visa Platinum Credit CardCanara Bank | Free | 0.5% | 3% | 2 per quarter (self only) |
Canara Visa Signature Credit CardCanara Bank | Free | 0.5% | 3% | 3 per quarter (self only) |
CheQ AU Credit CardAU Small Finance Bank | Free | 0.5% | 3.49% | — |
City Union CUB CSK RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
City Union CUB Dhi Credit Card (Unsecured)City Union Bank | Free | 1.25% | 2.5% | Only while a promotional offer… |
City Union CUB Dhi FD Backed / Campus Credit CardCity Union Bank | Free | — | 0% | — |
City Union CUB Kavach Secured Credit CardCity Union Bank fees only | Free | — | 2% | — |
City Union CUB SRH RuPay Platinum Credit CardCity Union Bank | Free | 0.33% | 3.5% | Airport lounge access is… |
| Free | 1% | 2% | — | |
DCB Niyo Global Credit CardDCB Bank | Free | — | 0% | — |
DCB ZET Credit CardDCB Bank fees only | Free | — | 2.49% | — |
DCB novio Credit Card (RuPay Platinum)DCB Bank fees only | Free | — | 2.5% | — |
DCB novio Credit Card (RuPay Select)DCB Bank fees only | Free | — | 2.5% | 1 per quarter (4 a year), RuPay… |
ESAF FD Backed Credit Card (INORI secured)ESAF Small Finance Bank fees only | Free | — | 2.5% | — |
ESAF INORI RuPay Platinum Credit CardESAF Small Finance Bank | Free | 1.25% | 2.5% | — |
Edge CSB Bank RuPay Credit CardCSB Bank | Free | 0.4% | 3.5% | — |
Federal Celesta Credit CardFederal Bank | Free | 0.25% | 2% | 2 per quarter (spend-gated) |
Federal Imperio Credit CardFederal Bank | Free | 0.17% | 3.5% | 2 per quarter (spend-gated) |
Federal One Credit Card (OneCard)Federal Bank | Free | 0.2% | 1% | — |
Federal RuPay Wave Credit CardFederal Bank | Free | 0.13% | 3.5% | — |
Federal Signet Credit CardFederal Bank | Free | 0.13% | 3.5% | 1 per quarter (spend-gated) |
Fibe Axis Bank Credit CardAxis Bank | Free | 1% | 3.5% | 4 per calendar year at select… |
| Free | 0.4% | 3.5% | — | |
| Free | — | — | — | |
| Free | — | 3.5% | — | |
ICICI Instant Platinum (against Fixed Deposit) Credit CardICICI Bank fees only | Free | — | 3.5% | — |
 ICICI Parakram Credit CardICICI Bank | Free | 0.25% | 3.5% | 1 per quarter |
 ICICI Parakram Select Credit CardICICI Bank | Free | 0.5% | 3.5% | 2 per quarter |
 ICICI Platinum Chip Credit CardICICI Bank | Free | 0.5% | 3.5% | — |
 IDBI Aspire Platinum Credit CardIDBI Bank | Free | 0.33% | 3.5% | — |
 IDBI LIC Eclat Select Credit CardIDBI Bank | Free | 1% | 3.5% | 2 complimentary (period not… |
 IDBI LIC Lumine Platinum Credit CardIDBI Bank | Free | 0.75% | 3.5% | — |
 IDBI Royale Signature Credit CardIDBI Bank | Free | 0.75% | 3.5% | 1 per quarter |
 IDFC Business Max Credit CardIDFC First Bank fees only | Free | — | — | — |
 IDFC Business Multiplier Credit CardIDFC First Bank | Free | 1.25% | 0% | Complimentary (count not stated) |
IDFC FIRST Classic Credit CardIDFC First Bank | Free | 0.38% | 0% | — |
IDFC FIRST Corporate Credit CardIDFC First Bank fees only | Free | — | — | — |
IDFC FIRST Millennia Credit CardIDFC First Bank | Free | 0.38% | 0% | — |
IDFC FIRST Purchase Credit CardIDFC First Bank fees only | Free | — | — | — |
IDFC FIRST Select Credit CardIDFC First Bank | Free | 0.38% | 0% | 1 per quarter |
 IDFC FIRST WOW! Credit CardIDFC First Bank | Free | 0.5% | 0% | — |
 IDFC FIRST Wealth Credit CardIDFC First Bank | Free | 0.38% | 0% | 1 per quarter |
IDFC LIC Classic Credit CardIDFC First Bank | Free | 0.6% | 0% | 1 per quarter (aggregator page… |
IDFC LIC Select Credit CardIDFC First Bank | Free | 1% | 0% | 2 per quarter |
 IDFC Quantum+ Credit CardIDFC First Bank | Free | 1% | 0% | — |
IKEA Family Credit Card by Axis BankAxis Bank | Free | 0.2% | 3.5% | — |
| Free | — | 1% | — | |
Indian IB VISA Bharat Credit CardIndian Bank | Free | — | — | — |
Indian Overseas IOB RuPay Classic Credit CardIndian Overseas Bank | Free | 0.17% | 2.5% | — |
Indian Overseas IOB SalarySe Rise UP RuPay Platinum Credit CardIndian Overseas Bank | Free | — | 2% | — |
Indian Overseas IOB VISA Classic Credit CardIndian Overseas Bank | Free | 0.2% | 2.5% | — |
Indian Overseas IOB VISA Gold Credit CardIndian Overseas Bank | Free | 0.2% | 2.5% | — |
Indian Overseas IOB ZET Credit CardIndian Overseas Bank | Free | — | 2.49% | — |
Indian Overseas IOB novio Platinum Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 1 per quarter (4 per year) |
Indian Overseas IOB novio Select Credit CardIndian Overseas Bank fees only | Free | — | 2.49% | 2 per quarter |
IndusInd EazyDiner Platinum Credit CardIndusInd Bank | Free | 0.4% | 3.5% | — |
 IndusInd Legend Credit CardIndusInd Bank | Free | 0.5% | 1.8% | — |
 IndusInd Platinum (Visa) Credit CardIndusInd Bank | Free | 0.4% | 3.5% | — |
 IndusInd Platinum Aura Edge Credit CardIndusInd Bank | Free | 0.25% | 3.5% | — |
IndusInd Secured Credit Card (against Fixed Deposit)IndusInd Bank | Free | — | — | — |
IndusInd Tiger Credit CardIndusInd Bank | Free | 0.4% | 1.5% | 2 per calendar quarter (8 a year) |
IndusInd ePay Amex Credit CardIndusInd Bank | Free | — | 3.5% | — |
J&K Bank Platinum Privilege Credit CardJammu and Kashmir Bank | Free | — | 1.99% | 1 per quarter |
Kotak Corporate Platinum Credit CardKotak Mahindra Bank fees only | Free | — | — | — |
 Kotak Corporate Wealth Signature Credit CardKotak Mahindra Bank fees only | Free | — | — | — |
 Kotak Purchase CardKotak Mahindra Bank fees only | Free | — | — | — |
Kotak UPI RuPay Credit CardKotak Mahindra Bank | Free | 0.3% | 3.5% | — |
| Free | — | 3.5% | Signature: 8 per calendar year… | |
Niyo SBM Global Credit CardSBM Bank India | Free | 0% | 0% | — |
Paytm AU Credit CardAU Small Finance Bank | Free | 1% | 3.49% | 12 complimentary domestic… |
Punjab National Salary RuPay Platinum Credit CardPunjab National Bank | Free | 0.25% | 3.5% | 4 per year (1 per quarter) |
Punjab National Salary RuPay Select Credit CardPunjab National Bank | Free | 0.33% | 3.5% | 8 per year (2 per quarter) |
Punjab National Visa Classic Credit CardPunjab National Bank | Free | 0.25% | 3.5% | — |
RBL BankBazaar SaveMax Credit CardRBL Bank fees only | Free | — | 3.5% | — |
RBL Paisabazaar Duet Credit CardRBL Bank | Free | 1% | 3.5% | — |
RBL World Xclusive Credit CardRBL Bank fees only | Free | — | 1.5% | — |
SBM Magnet Credit CardSBM Bank India fees only | Free | — | 2.49% | — |
 SBM MobiKwik First Credit CardSBM Bank India | Free | 1% | 3% | — |
SBM OneCard Credit CardSBM Bank India | Free | — | 1% | — |
 SBM ZET Credit CardSBM Bank India fees only | Free | — | 2.49% | — |
Scapia Axis Bank Credit CardAxis Bank | Free | 2% | 0% | Unlimited at 100+ airports in… |
Scapia Federal Credit CardFederal Bank | Free | 2% | 0% | Unlimited (spend-gated) |
SimplySAVE Merchant SBI CardState Bank of India (SBI Card) fees only | Free | — | 3.5% | — |
South Indian SIB One Co-Branded Credit Card (SIB OneCard)South Indian Bank | Free | 0.2% | 1% | — |
South Indian Secured SIB One Co-Branded Credit CardSouth Indian Bank | Free | 0.2% | 1% | — |
 Suryoday SFB RuPay Platinum Credit CardSuryoday Small Finance Bank | Free | 0.5% | 2.5% | Flight discounts and lounge… |
Tamilnad Mercantile TMB Platinum Credit CardTamilnad Mercantile Bank fees only | Free | — | 3.5% | — |
Tamilnad Mercantile TMB Vibe360 Credit CardTamilnad Mercantile Bank fees only | Free | — | 3.5% | — |
Union Bank of India Micro Enterprise Credit CardUnion Bank of India fees only | Free | — | — | — |
Union Bank of India PM SVANidhi Credit CardUnion Bank of India fees only | Free | — | — | — |
Union MSME Credit CardUnion Bank of India fees only | Free | — | 3% | — |
Unity Bank BharatPe Credit CardUnity Small Finance Bank | Free | 2% | 3.5% | 2 per calendar quarter |
Unity Roarbank Credit CardUnity Small Finance Bank | Free | — | 3.5% | — |
Utkarsh Wish Credit CardUtkarsh Small Finance Bank | Free | 1% | 3.5% | — |
Utkarsh superCardUtkarsh Small Finance Bank | Free | 1% | 3.5% | — |
YES BANK Niyo Credit CardYes Bank | Free | 0.2% | 0% | — |
| Free | — | 3.5% | Complimentary domestic airport… | |
| Free | 0.25% | 3.5% | — | |
YES First Corporate Credit CardYes Bank | Free | — | 3.5% | — |
YES Prosperity Purchase Credit CardYes Bank fees only | Free | — | 3.5% | — |
Yes AI Inside Credit CardYes Bank fees only | Free | — | 0% | — |
| Free | — | 3.5% | — | |
| Free | 1.5% | 3.5% | With Neon only: aggregator says… | |
Yes Max Credit CardYes Bank | Free | — | 3.5% | — |
Yes Novio Credit CardYes Bank | Free | — | 3.5% | — |
| Free | 0.75% | 3.5% | 2 per quarter (spend-gated) | |
 ixigo AU Credit CardAU Small Finance Bank | Free | 2.5% | 0% | 8 airport lounge visits per… |
slice UPI credit card (slice super card)Slice Small Finance Bank | Free | 1% | 0% | — |
AU InstaPay RuPay Credit CardAU Small Finance Bank invite-only | Free | — | 3.49% | — |
| Free | — | 3.5% | — | |
| Free | — | 2% | — | |
| Free | — | 3.5% | — | |
MagniFi Fi-Federal Credit CardFederal Bank closed to new applicants | Free | 0.5% | 3.5% | — |
Standard Chartered Priority Visa Infinite Credit CardStandard Chartered invite-only | Free | — | 3.5% | 4 complimentary visits per… |
Guides: Lifetime free credit card: how to get one or get the annual fee waived, bank by bank · How to close a credit card in India, and what it does to your score · Credit card without a CIBIL score: first cards for students and anyone with no credit history · Credit card late payment charges in India, bank by bank · Credit card application status: what VKYC, CPV and delivery mean at SBI, HDFC and other banks