10 Best Lifetime Free Credit Cards in India 2024

Other Benefits

• 2% cashback on payment to 100+ Amazon 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.

Other Benefits

• 1X = 1 reward point per Rs. 150 spent.
• 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
• 20% discount at restaurants and 15% at health & wellness outlets
• Eligible if annual income of Rs. 3 Lacs+
• Reward Points never expire

Welcome gift

• Welcome voucher worth ₹500 on spending ₹5,000 or more within 30 days of card generation
• 5% cashback up to ₹1,000 on the first EMI done within 30 days. 

Other benefits

• 3X RP on spends up to ₹20,000 per month
• 10X Reward Points on incremental spends above ₹20,000 per month and on birthday spending
• Each reward point worth Rs 0.25 
• Buy one, get one free movie ticket up to ₹250 on Paytm twice per month.
• Combine 4 (domestic & international) lounge, and spa visits per quarter, on minimum monthly spends of Rs. 20,000 every month
• 4 complimentary railway lounge per quarter 
• 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spends
• Forex mark-up of only 1.5%
• Eligible: if annual income is Rs. 36 Lacs+

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
• Rs. 16,000 worth of priority pass membership (based on estimated spend of Rs. 30,000 per month)

Other Benefits

• 1% Fuel Surcharge Waiver
• Reward value 0.25%
• 15% discount on dining
• Low Rs. 25,000 net monthly salary for card approval
• 1% charge on Utility payment of over Rs. 15,000 per month

You should apply for Yes Bank FinBooster credit card if your net monthly salary is just around Rs. 25,000 and you want to build credit history.   

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 0.20
• 1% fuel surcharge waiver
• No reward points on fuel transactions

Card limit is 90% of the term deposit kept with the Kotak bank.

Milestone benefit 

• You can get upto Rs. 1,000 Amazon voucher on spend of Rs. 72,000 in a year.

Other Benefits

• Credit limit is upto 90% of your FD
• Interest free cash advance
• 1% Fuel surcharge waiver upto Rs. 3,500 per year
• Railway booking 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 on spending upto Rs. 10,000
• 5% cashback 3 times over a 90 days period.
• Additional 5% cash back for travel, dining and grocery expenses.
• 4 complimentary lounge access per quarter.

Other benefits

• 2 Points for every Rs 150 spent
• 5x reward points on spends beyond Rs. 4 Lacs.
• Rs. 500 cashback on downloading app, spend Rs. 5,000 after getting card.
• Fuel surcharge waiver up to Rs. 3,000
• Eligibility: Income over Rs. 4 Lacs, resident of metro and selected Tier I cities in India like Gurugram, Noida, Hyderabad, Kochi, Jaipur etc.

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 (max Rs. 4,000 at HPCL).
• Eligibility: Age over 23 years