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
Best lifetime-free credit cards in India
CardIQ’s sourced shortlist of 12 lifetime free credit cards in India, with fees, benefits and important trade-offs to verify.
How to choose
A zero annual fee lowers the cost of keeping a card, but rewards, exclusions and application eligibility still differ.
This is an editorial shortlist, not a personalised recommendation or approval ranking. Eligible cards are ordered by the completeness of their maintained sources and decision-critical details—not from best to worst. No issuer can pay to improve its position.
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
AU LIT
AU Small Finance Bank
Customisable rewards through separately purchased benefit packages
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
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
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
AU NOMO
AU Small Finance Bank
2 reward points per ₹100 on eligible retail 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
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
Check before applying
- Confirm the current fee, waiver threshold and applicable GST.
- Check reward caps, excluded transactions and redemption value.
- Open the card page to review dated issuer sources and CardIQ’s trade-offs.