GUIDESCREDIT CARDS
GUIDES
Lifetime free credit cards are a smart pick for both – first-time cardholders and anyone who wants rewards without worrying about fees. These cards are perfect for establishing credit without incurring additional costs because they have no annual or joining fees.
While many lifetime free cards offer basic features and modest rewards, some go the extra mile, giving significant value on specific spending categories like shopping, travel, or entertainment. That’s why it’s important to choose a card based on your lifestyle and spending habits, not just the “no fee” tag.
A credit card that has no annual fees or joining fees is considered a lifetime free credit card. You don’t pay to keep it active year after year. These cards are great for young professionals who want to build credit, enjoy rewards, and skip hidden costs.
Here’s a quick comparison of the best options you can apply for right now:
| Credit Card | Best used for | Key Perks |
| MagniFi Fi-Federal Credit Card | Best Card for Weekend spends | 5% back on weekend spends + 20% off on top brands [Coming Soon] |
| Amazon Pay ICICI Card | Shopping & Bill Payments on Amazon | 5% cashback on shopping[for Prime users] |
| IDFC FIRST Millennia | Rewards on daily spends | 10X reward points after ₹20,000/month |
| Federal Bank Scapia Credit Card | Unlimited lounge access | Free lounge access [Spend based], Zero Forex |
| Ixigo AU Credit Card | Best for travel benefits | 10% discount on flight bookings, up to Rs. 1,000 (once a month), Zero Forex |
| IndianOil RBL XTRA Credit Card | Best for savings on fuel | 7.5% valueback, 1% fuel surcharge waiver |
| SuperCard Pro Axis Bank Credit Card | Best for Scan & Pay UPI rewards | 3% cashback on UPI spending |
| EazyDiner IndusInd Bank Platinum Credit Card | Dining benefits | 3 months EazyDiner Prime membership, Extra 20% off up to Rs. 500 on payment via PayEazy (valid for up to three times every month) |
Best For: Online Shopping (especially on Amazon)
This is one of the most popular lifetime free RuPay credit cards in India. If you shop often on Amazon, this card offers strong value, especially for Prime members.
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Best Lifetime Free Credit Card for Weekend Spenders
Most credit cards reward you the same way every day. But your weekends are different. You shop more, eat out more, watch movies, maybe even book a trip. And that’s what MagniFi Fi-Federal Credit Card gets it.
With exclusive offers and reward points focused on weekend fun, this card is built to help you save where it matters most.
💡 100 Fi-Points = ₹25 in value. You earn while you spend.
Best For: Accelerated Rewards on Monthly Spends
This card is great if you spend ₹20,000 or more each month. The more you spend, the better the rewards.
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Best For: Frequent Travellers
This card is perfect for travel lovers and digital nomads. Use it to book flights and hotels via the Scapia app – and earn coins that you can redeem later.
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Best For: Train, Bus & Travel Bookings on Ixigo
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Best For: Dining Out & Restaurant Discounts
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Best for: Users who frequently make UPI payments and want to earn cashback on them
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The table below lists additional credit cards without an annual fee in addition to the one mentioned above.
| Credit Card | Best Suited For | Key Benefit |
| IDFC FIRST Wealth Credit Card | Reward points across all spends | 10X rewards for additional expenditures over Rs. 20,000 |
| Axis Neo Credit Card* | Online shopping, dining & movies | 40% off on Zomato purchases 10% off on Blinkit & BookMyShow |
| IndusInd Legend Credit Card | Reward points and travel | 2X rewards on weekend spends Low forex markup fee of 1.8% |
| ICICI Platinum Chip Credit Card | Reward points on retail spends | 2 reward points per Rs. 100 on retail spends |
| IDFC FIRST Classic Credit Card | Reward points & movies | 10X rewards on additional spends above Rs. 20,000 25% off on movie tickets booked via District by Zomato |
| Kotak 811 Credit Card | Beginners with no income proof | 1% cashback on online spends |
Not all lifetime free credit cards are equal. While most save you the annual fee, only a few give you benefits where you spend the most.
If you’re someone who lives for the weekends–going out, ordering in, catching a film or shopping online, MagniFi Fi-Federal Credit Card is tailor-made for you. It’s the first credit card in India that rewards your weekend plans and charges nothing to own.
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