10 Best Lifetime Free Credit Cards in India 2023

Other Benefits

• 2% cashback on payment using Amazon Pay at partner merchants
• No reward points for gold and EMI purchases on Amazon. 
• Up to 15% off on dining with the ICICI Culinary Treats program.
• 1% fuel surcharge waiver.   
• Get cashback coupons worth Rs 2500 on different payments on Amazon as a welcome gift.

IDFC First Millennia and IDFC First classic both credit cards offer the same benefits. 

Other Benefits

• 6X & 3X Reward Points per Rs 150 on online & offline spending up to ₹20,000 per month.
• 10X reward points on incremental spends above ₹20,000 per month. 
• The reward value is 0.25 paisa per point.
• 25% discount on movie tickets up to ₹100 on Paytm once per month.
• 4 complimentary Railway lounge visits per quarter
• 1% fuel surcharge waiver

Welcome gift

• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
• 5% cashback up to ₹1000 on the first EMI done within 30 days. 

Other benefits

• 6X & 3X RP spent per Rs 150 on online & offline purchases for spends up to ₹30,000 per month
• 10X Reward Points on incremental spends above ₹30,000 per month.
• Each reward point worth Rs 0.25 
• Buy one, get one free movie ticket up to ₹500 on Paytm twice per month.
• Combine 4 domestic, international lounge, and spa visits per quarter, on minimum monthly spends of Rs.5000. 
• 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spends
• Forex mark-up of only 1.5%
• 1% fuel surcharge waiver

The IndusInd bank offers 2 variants of Legend credit cards. One is lifetime free and the other one with a one-time joining fee of Rs 10,000. You don’t get any welcome gifts with the free variant which is the main difference in both variants. 

Other benefits

• 1 reward point for every Rs. 100
• 2 reward points for every Rs. 100 spent on weekends
• 1.8% Discounted Foreign Currency Mark-up
• 1% Fuel Surcharge Waiver
• Reward value up to Rs 1 for airmiles and Rs 0.75 as cash value.
• 1 Buy one movie ticket and get the second one free upto Rs 200

Other Benefits

• 5 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 points for every Rs. 100 spent on Select MCCs
• 1% Fuel Surcharge Waiver
• Reward value 0.25%

You should apply for BOB Easy shop credit card if you already own better-value credit cards and want exclusive Bank of Baroda offers. 

Other benefits

• Earn 2 reward points for every  Rs 100 spent
• Earn 1 reward point for every Rs 100 spent on select MCCs. 
• Reward value is Rs 0.25

Kotak Bank charges an annual fee of Rs 499 from some customers. Apply only if you get the offer for a lifetime free credit card. I got Kotak league credit card lifetime free. 

Milestone benefit 

• You can get 4 free PVR tickets or 10000 reward points every 6 months on spending 1.2 lakh.

Other Benefits

• 4 reward points on Rs 150
• 8 reward points on special categories like travel agencies, tour package operators, airlines and air carriers, electric sales, durable goods and departmental stores. 
• 1% Fuel surcharge waiver
• Railway surcharge waiver of upto Rs 500 per year
• Reward value is about 20 paisa

You can choose from the five categories – travel benefit, OTT membership benefit, shoppers category, Milestone cashback category, and other categories. 

You will get 1 reward point per Rs 100 on all your spends. Each reward point value Rs 0.25

Special feature 

• 10X or 5X accelerated Reward Points
• Free Membership of Zee5, Amazon Prime and Cult.fit for 3 months
• 5% cashback 3 times over a 90 days period.
• Additional 5% cash back for travel, dining and grocery expenses.
• 2 complimentary lounge access per quarter.

You can redeem Shoppers Stop vouchers welcome gift voucher worth Rs 500 on minimum shopping of ₹3,000 at Shoppers Stop stores. 

Other benefits

• 6 Points for every Rs 150 spent on Shoppers Stop private label brands, capped at 500 points per month. 
• Earn 2 First Citizen Points for every Rs 150 spent on all other spends.
• Each reward point value Rs 0.60
• Complimentary Shoppers Stop membership
• Reward Points on grocery spending are capped at 1000 points per month.
• 1% fuel surcharge waiver

Other Details

• Earn 2 Reward Points on every ₹ 100 spent.
• Get 1 Reward Point on every ₹ 100 spent on utilities and insurance categories.
• The reward value is 0.25 paisa. 
• 1% fuel surcharge waiver.