cardIQ

Lifetime free credit cards in India

Explore cards with no joining or annual fee and compare the rewards still available without a recurring charge.

53 matching cards · Details checked against issuer or official partner sources.

Axis Bank REWARDS (Amex offer)

Axis Bank

10X points on eligible apparel and departmental-store purchases

Annual fee: No annual fee; current Amex acquisition offer; confirm fee terms

Fibe Axis Bank Credit Card

Axis Bank

3% cashback on eligible food delivery, entertainment and local commute

Annual fee: No annual fee

Axis Bank PRIVILEGE (Amex offer)

Axis Bank

10 EDGE points per ₹200 on eligible purchases

Annual fee: No annual fee; current Amex acquisition offer; confirm fee terms

IDFC FIRST Millennia

IDFC FIRST Bank

10 points per ₹200 on eligible dining, travel, international and birthday spends

Annual fee: No annual fee

IDFC FIRST Select

IDFC FIRST Bank

10X points on eligible dining, travel, international and birthday purchases

Annual fee: No annual fee

IDFC FIRST Wealth

IDFC FIRST Bank

10X points on eligible dining, travel, international and birthday purchases

Annual fee: No annual fee

IDFC FIRST WOW!

IDFC FIRST Bank

Up to 4 points per ₹200 on eligible purchases

Annual fee: No annual fee

Axis Bank KWIK

Axis Bank

2 EDGE REWARD points per ₹200 on eligible purchases

Annual fee: No annual fee

Google Pay Flex Axis Bank

Axis Bank

1 Star per cumulative ₹500 of eligible spending

Annual fee: No annual fee; fees currently waived per issuer page

IndiGo Axis Bank

Axis Bank

3 IndiGo BluChips per ₹100 on eligible IndiGo purchases

Annual fee: No annual fee; limited-period nil-fee offer

LIC Axis Bank Platinum

Axis Bank

2 reward points per ₹100 on eligible LIC premiums and foreign-currency purchases

Annual fee: No annual fee

LIC Axis Bank Signature

Axis Bank

2 reward points per ₹100 on eligible LIC premiums and foreign-currency purchases

Annual fee: No annual fee

Scapia Axis Bank

Axis Bank

4% travel redemption value on eligible Scapia-app flight, hotel and bus bookings

Annual fee: No annual fee

CheQ AU

AU Small Finance Bank

24 CheQ points per ₹200 on eligible partner-brand and CheQ-app purchases

Annual fee: No annual fee

ixigo AU

AU Small Finance Bank

Published 2.5% rewards on eligible domestic online, offline and UPI spending

Annual fee: No annual fee; currently offered lifetime-free; confirm acquisition eligibility

AU LIT

AU Small Finance Bank

Customisable rewards through separately purchased benefit packages

Annual fee: No annual fee

AU NOMO

AU Small Finance Bank

2 reward points per ₹100 on eligible retail purchases

Annual fee: No annual fee

Paytm AU

AU Small Finance Bank

2 reward points per ₹100 on eligible Paytm UPI purchases of ₹100–₹2,000

Annual fee: No annual fee

AU InstaPay

AU Small Finance Bank

1% cashback on eligible merchant UPI purchases of ₹200 or more

Annual fee: No annual fee

Federal Bank Celesta

Federal Bank

3X rewards on eligible travel and international spending

Annual fee: No annual fee; current limited-period lifetime-free acquisition offer

Federal Bank Imperio

Federal Bank

3X rewards on eligible healthcare and grocery spending

Annual fee: No annual fee; current limited-period lifetime-free acquisition offer

Federal Bank Signet

Federal Bank

3X rewards on eligible electronics and apparel spending

Annual fee: No annual fee; current limited-period lifetime-free acquisition offer

IDFC FIRST Classic

IDFC FIRST Bank

10 points per ₹200 on eligible dining, travel, international and birthday purchases; 3 on other eligible categories

Annual fee: No fee

IDFC FIRST Quantum+

IDFC FIRST Bank

1% on eligible online spend up to ₹10,000 per cycle; 2% on incremental online spend above ₹10,000

Annual fee: No fee

LIC IDFC FIRST Select

IDFC FIRST Bank

10 points per ₹125 on LIC premiums; 5 on other eligible purchases

Annual fee: No fee

ICICI Bank Parakram

ICICI Bank

5 points per ₹100 on eligible groceries, department stores and CSD; 1 on other eligible domestic purchases

Annual fee: No fee

ICICI Bank Parakram Select

ICICI Bank

10 points per ₹100 on eligible groceries, department stores and CSD; 2 on other eligible domestic purchases

Annual fee: No fee

IndusInd Bank Legend

IndusInd Bank

1 point per ₹100 on eligible weekdays; 2 on eligible weekends

Annual fee: No fee

IndusInd Bank Pinnacle

IndusInd Bank

2.5 points per ₹100 on eligible e-commerce; 1.5 on online travel/airlines; 1 on other eligible purchases

Annual fee: No fee

IndusInd Bank Tiger

IndusInd Bank

1 point per ₹100 initially; higher annual incremental-spend slabs earn up to 6 points per ₹100

Annual fee: No fee

EazyDiner IndusInd Bank Platinum

IndusInd Bank

2 points per ₹100 on eligible purchases; 0.7 on specified insurance, rent, utility and government spends

Annual fee: No fee

IndusInd Bank Jio-bp Mobility+

IndusInd Bank

12 Smiles per ₹100 at participating Jio-bp outlets; 5 on dining/groceries; 2 on other eligible purchases

Annual fee: No fee

PNB Visa Classic

Punjab National Bank

Reward points on eligible everyday purchases

Annual fee: No fee

BOBCARD Scapia

BOBCARD

Scapia coins on eligible purchases and travel bookings

Annual fee: No fee

BOBCARD One

BOBCARD

Reward points on eligible purchases with a low foreign-currency markup

Annual fee: No fee

BOBCARD PRIME

BOBCARD

Reward points on eligible purchases against a fixed deposit

Annual fee: No fee

Kotak UPI RuPay Credit Card

Kotak Mahindra Bank

3 Kotak Reward Points per ₹100 on eligible UPI and regular card transactions

Annual fee: No annual fee

Share this page

Send these sourced details to someone comparing cards.

Explore and compare in CardIQ