If you use credit cards, you’ve probably felt the pinch of annual and renewal fees. Banks sneakily add the renewal fee to last month’s bill, making it a recurring hassle. But, there’s a better option – go for a lifetime free credit card without any yearly fees. These cards are catching on because they give you lots of rewards and perks.
Check out this list of 7 great lifetime free credit cards with no annual or joining fees. Keep in mind, the order doesn’t signify any ranking; I gathered this info straight from the banks’ official websites as of November 27, 2023.
7 Free Credit Cards
1. Shoppers Stop HDFC Bank Credit Card
- Enjoy a lifetime FREE credit card.
- Get 6 First Citizen Points for every Rs 150 spent on Shoppers Stop private label brands, up to 500 points per month.
- Earn 2 First Citizen Points for every Rs 150 spent on other Shoppers Stop brands and different categories (excluding fuel and wallet transactions).
2. Lifetime Free Credit Card – 811 (Kotak Mahindra Bank)
- No annual or joining fees.
- Earn 2 reward points for every Rs 100 spent online.
- Grab 1 reward point for every Rs 100 spent on other* purchases.
3. Classic Credit Card (IDFC Bank)
- No annual fee with a Lifetime Free Credit Card.
- Score 10X Reward Points for spending over Rs 20,000 monthly and on your birthday.
- Earn 6X Reward Points for online and 3X for offline purchases, up to Rs 20,000 per month.
- Enjoy unlimited Reward Points that never expire.
4. Amazon Pay ICICI Bank Credit Card
- No joining or annual fee.
- Your rewards have no limits or expiry dates.
- Amazon Prime members get 5% cashback on Amazon India purchases; non-Prime cardholders get 3% back (except for digital and Gift Card purchases, which earn 2% back).
- Earn 2% cash back’
- at 100+ Amazon Pay Partner merchants.
- Get 1% cashback for all other payments.
- Enjoy a 1% surcharge waiver for fuel purchases.
5. YES Prosperity Purchase Credit Card (Yes Bank)
- No joining or annual fee.
- Get a 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs 400 to Rs 5,000, with a monthly cap of Rs 500 per cycle.
6. Platinum Rewards Credit Card (Standard Chartered Bank)
- Grab a Platinum Rewards Credit Card – it’s free for life.
- Enjoy 5X benefits on luxury dining and fuel, no monthly reward limits.
- Earn 5 reward points for every Rs 150 spent on dining and fuel, with unlimited monthly rewards.
- Get 1 reward point for every Rs 150 spent on other categories.
- Say goodbye to annual and joining fees; spend Rs 500 or more within 30 days from card issuance to avoid a one-time fee of Rs 250 + GST.
Also read:
Introduction of a ‘4-Hour Rule’ for UPI Payments By Government
7. Easy Credit Card (Bank of Baroda)
- Get 5X Reward Points for every Rs 100 spent on Departmental stores and Movie outings.
- Earn 1 reward point for every Rs 100 spent on other categories.
- Grab 0.5 reward point for every Rs 100 spent on Select MCCs.
- Enjoy a Fuel Surcharge Waiver.
- Experience zero annual fees based on your card usage.
