Credit Cards with No Annual Fee 2025 - Top & Best 10
Credit cards with no annual fee in 2025 provide rewards, cashback, and travel benefits without extra costs. They are ideal for budget-conscious users seeking financial flexibility. With features like introductory 0% APR, cashback on purchases, and no hidden charges, these cards help maximize savings while building or improving credit scores.
Top 10 Lifetime Free Credit Card
►Tata Neu Infinity HDFC Bank Credit Card (Targeted LTF Offer)
HDFC Bank frequently provides targeted Lifetime Free (LTF) offers for the Neu Infinity Credit Card on the Tata Neu app. This card is an excellent option for RuPay UPI transactions and purchases at Tata Neu partner brands. A key highlight is its complimentary domestic and international airport lounge access with no minimum spend requirement.
Type: Cashback as NeuCoins
Reward Rate: 5% on bill payments and Tata Neu spends, 1.5% on UPI spends
Best Use: 1.5% on UPI spends, 5% NeuCoins on bill payments and Tata Neu partner brand spends
Domestic Airport Lounge Access: 2 complimentary visits/quarter
International Airport Lounge Access: 1 complimentary visit/quarter
►Axis Bank My Zone Credit Card
The Axis Bank My Zone Credit Card is once again available as a Lifetime Free (LTF) card under a limited-time offer. It provides discounts on Swiggy for food orders and includes a Buy One Get One (BOGO) offer on the District app by Eternal for entertainment and experiences.
Type: Rewards
Reward Rate: 0.1%
Best Use: Discount offers on Swiggy, District and AJIO
Domestic Airport Lounge Access: 1 complimentary visit/quarter
►Axis Bank Neo Credit Card (Available on RuPay)
Axis Bank is offering a Lifetime Free (LTF) deal on its Neo credit card. This entry-level card may have a lower reward rate, but it provides valuable discount offers with partner merchants like Zomato and Amazon Pay, making it a great option for those looking to save on everyday purchases.
Type: Rewards
Reward Rate: 0.1%
Best Use: Discount offers on Zomato, Paytm, Blinkit, Merchant offers during online sales
Airport Lounge Access: Not Available
►BoB Premier RuPay Credit Card
The BoB Premier RuPay credit card is once again available as a Lifetime Free (LTF) card. It offers access to exclusive merchant deals from Bank of Baroda, as well as occasional RuPay JCB offers. Additionally, the card provides a competitive reward rate of 2.5% on international transactions, making it a solid choice for frequent travellers.
Type: Rewards
Reward Rate: 0.5% – 2.5%
Best Use: BoB merchant offers, RuPay JCB Offers
Domestic Airport Lounge Access: 1 complimentary visits/quarter
International Airport Lounge Access: 1 complimentary visit/quarter
►ICICI Bank Platinum Credit Card
No list of LTF credit cards is complete without the highly versatile ICICI Bank Platinum credit card. Known as the Swiss Army knife of LTF credit cards, it offers a range of benefits, both online and offline. Whether it’s a 10% instant discount or no-cost EMI, ICICI Bank is often a go-to partner for such offers. Don’t miss out—apply for the ICICI Bank Platinum credit card today
Type: Rewards
Reward Rate: Up to 0.5%
Best Use: Multiple merchant partner offers both online and offline
Lounge Access: None
►IDFC First Bank Credit Cards
IDFC First Bank offers some of the best lifetime free credit cards available today. All four variants – Millennia, Select, Classic, and Wealth are LTF and come with attractive rewards. Additionally, they provide complimentary railway and airport lounge access, along with roadside assistance and several other valuable benefits, making them a great choice for a wide range of cardholders.
Type: Rewards
Reward Rate: Up to 2.5%
Best Use: 10X rewards, Online Spends
Lounge Access: Both Airport and Railway Lounge depending on variant
►Amazon Pay ICICI Bank Credit Card
ICICI Bank may not offer many lifetimes free credit cards, but its top LTF option is the Amazon Pay ICICI Bank credit card. This card offers unlimited rewards of 2% to 5% on Amazon purchases and 1% on all other spends. The unlimited rewards can add up to a significant amount, especially for frequent Amazon shoppers. If you don’t have the Infinia or DCB card, this is the ideal choice for Amazon India shopping. With one of the best reward rates in India, it’s a must-have for avid online shoppers.
Type: Rewards
Reward Rate: 1% to 5%
Reward Redemption: Amazon Pay Gift Voucher
Best Use: Use on Amazon India to get 5% for Prime customer and 3% for non-Prime customer
Lounge Access: Not Available
►HSBC Visa Platinum Credit Card
Entry-level lifetime free credit cards offering Airmiles as a redemption option are rare, but the HSBC Platinum credit card delivers just that. The unique selling point of this card is its ability to redeem rewards for Airmiles and Hotel Loyalty memberships. You can transfer accumulated rewards in a 1:1 ratio to Singapore Airlines KrisFlyer and British Airways Avios, making it a great choice for those who travel frequently and want to maximize their rewards.
Type: Rewards
Reward Rate: 1.3% to 3%
Reward Redemption: Statement credit and Airmiles
Best Use: Spend more than Rs 4 Lakhs for 5X Rewards and transfer to travel partners
Airport Lounge Access: Only for the first year
►OneCard – Metal LTF Credit Card
OneCard remains one of the most popular entry-level lifetime free credit cards today. Its standout feature is its sleek metal form factor, typically seen on super-premium cards. While the reward rate may be a bit lower, it’s offset by attractive spending offers that enhance the reward potential. Additionally, OneCard offers valuable merchant discounts on platforms like Swiggy, Zomato, Amazon, Flipkart, and more, helping you save while you shop.
Type: Cashback
Reward Rate: 0.2% to 1%
Reward Redemption: Statement credit
Best Use: Merchant and Spend Offers
Lounge Access: Not Available
►IndusInd Bank Legend Credit Card
The IndusInd Legend credit card is now available as Lifetime Free, making it an excellent choice to take advantage of IndusInd Bank’s merchant offers and other benefits. Additionally, you’ll be eligible for a complimentary zero-balance Select savings account, which comes with several perks, including a rewarding debit card. This makes the IndusInd Legend credit card a great all-around option for those looking to maximize their rewards and savings.
Reward Rate: 0.5% to 1.5%
Reward Redemption: Statement credit
Best Use: Spend and merchant offers, complimentary zero balance Select savings account
Domestic Airport Lounge Access: 1 visit/quarter
►IndusInd Bank Tiger Credit Card
The Tiger credit card from IndusInd Bank is another excellent LTF option, offering benefits like complimentary international airport lounge access, making it a particularly appealing choice for frequent travellers.
Type: Cashback/Airmiles
Reward Rate: 0.4% to 4%
Best Use: Spend and merchant offers
Domestic Airport Lounge Access: 2 visits/quarter
International Airport Lounge Access: 2 visits/year
►AU Bank Xcite Credit Card
All three AU Bank Xcite range cards are Lifetime Free (LTF) credit cards. The Xcite is the base variant in this new range from AU Bank, offering a variety of benefits. You can apply for any of the Xcite range cards online through a card-to-card application process, with eligibility based on the limit of your existing credit card.
Type: Rewards
Reward Rate: 0.2% to 3%
Reward Redemption: Gift vouchers including Amazon GV
Best Use: Dining, Movie, Grocery and Departmental Stores Spends
Airport Lounge Access: Not Available
Railway Lounge Access: 2 visits/quarter
►AU Bank Xcite Ace Credit Card
All three AU Bank Xcite range cards are Lifetime Free (LTF) credit cards. The Xcite Ace is the middle variant in this new range from AU Bank, offering a variety of benefits. You can apply for any of the Xcite range cards online through a card-to-card application process, with eligibility based on the limit of your existing credit card.
Type: Cashback
Reward Rate: 1% to 3%
Reward Redemption: Statement Credit
Best Use: Spend Rs 20,000 to get up to 3% cashback on spends
Domestic Airport Lounge Access: 2 visits/quarter
International Airport Lounge Access: Not Available
Railway Lounge Access: 2 visits/quarter
►AU Bank Xcite Ultra Credit Card
The Xcite Ultra is the top-tier variant in the AU Bank Xcite range, offering impressive rewards, especially on international transactions. This credit card stands out with some of the best reward rates compared to many other cards on this list, making it a great choice for frequent international spenders.
Type: Rewards
Reward Rate: 1% to 3%
Reward Redemption: Redeem rewards for vouchers including Amazon Pay GV
Best Use: International Spends
Domestic Airport Lounge Access: 2 visits/quarter
International Airport Lounge Access: Not Available
Railway Lounge Access: 2 visits/quarter
►Ixigo AU Bank Credit Card
The co-branded Ixigo AU Bank credit card is an excellent choice if you’re looking for hassle-free discounts on flight and hotel bookings. It also offers zero forex markup, making it a great option for international spends as well. This combination of benefits makes it ideal for frequent travellers.
Type: Rewards
Reward Rate: 1% to 10%
Reward Redemption: Amazon Pay GV
Best Use: Flight bookings on Ixigo and international spends
Domestic Airport Lounge Access: 8 visits/year
International Airport Lounge Access: 1 visit/year
Railway Lounge Access: 8 visits/year
►Scapia Federal Bank Credit Card
Among the many lifetimes free (LTF) credit cards, Scapia stands out as a unique offering. Like OneCard, it is a co-branded credit card, issued in partnership with Federal Bank. One of its key benefits is zero forex markup on international spends, making it an attractive option for those who frequently travel abroad.
Type: Rewards
Reward Rate: 2% to 4%
Reward Redemption: Travel bookings on Scapia app
Best Use: International Spends
Domestic Airport Lounge Access: Unlimited visits
International Airport Lounge Access: Not Available
FAQs (Frequently Asked Questions)
- What is a lifetime free credit card?
- A lifetime free credit card is one that does not charge any joining or annual fees for the entire duration of its usage. Once you get the card, you won’t have to pay recurring fees for maintaining it, making it a cost-effective option.
- Are lifetime free credit cards suitable for everyone?
- Yes, lifetime free credit cards are ideal for those who want to avoid annual charges but still enjoy benefits like cashback, rewards, or discounts. They are particularly beneficial for individuals who use credit cards regularly for everyday purchases.
- Which LTF credit card can we get without giving any income proof?
- You can apply for the AU Xcite credit cards from above list. AU SwipeUp is a complete online process for C2C applications that you can get using your existing credit card.
- Can I use my lifetime credit card to withdraw money from ATMs in India?
- Yes, you can use your lifetime credit card to withdraw money from ATMs in India.
- Do I get free golf lessons with the IndusInd Bank Platinum Card?
- Yes, you get complimentary golf lessons from qualified instructors at select golf clubs in India.
- Is there a credit card that will give me a free Credit Advisory Report?
- Yes, the RBL Bank BankBazaar SaveMax Credit Card offers a free Credit Advisory Report every month.
- Can I apply for a 'no annual fee' credit card online?
- Yes, most of the banks accept applications for 'no annual fee' credit cards online.