Best Lifetime-Free Credit Cards (No Annual Fee) in India (2026)

Never pay a rupee in fees. These genuinely lifetime-free cards still earn solid rewards — ideal if you want benefits with zero cost.

Our top pick for this is Amazon Pay ICICI — India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

#NameScoreJoining FeeAnnual FeeFee WaiverTop Reward
1Amazon Pay ICICITop pick9.3/10₹0₹0 (LTF)Lifetime free5% on Amazon (Prime)
6IDFC FIRST Millennia8.2/10₹0₹0 (LTF)Lifetime freeUp to 10x points; low APR

Best overall

1

Amazon Pay ICICI

India's most popular lifetime-free card. Zero fees forever and strong cashback — especially for Amazon and Prime users — make it the easiest first card and an everyday default for online spenders.

9.3
/ 10
Joining Fee
₹0
Annual Fee
₹0 (LTF)
Fee Waiver
Lifetime free
Top Reward
5% on Amazon (Prime)
  • Truly lifetime-free
  • 5% back for Amazon Prime users
  • Easy approval, great first card
  • Best value only inside Amazon
  • No lounge access
  • Cashback as Amazon Pay balance
View details Official site
6

IDFC FIRST Millennia

A lifetime-free card with surprisingly rich rewards — up to 10x points on higher spends, never-expiring points and one of the lowest interest rates among Indian cards.

8.2
/ 10
Joining Fee
₹0
Annual Fee
₹0 (LTF)
Fee Waiver
Lifetime free
Top Reward
Up to 10x points; low APR
  • Lifetime free with strong rewards
  • Low interest rate (APR)
  • Points never expire
  • 10x only above spend thresholds
  • Reward redemption can be fiddly
  • Fewer brand offers than HDFC
View details Official site

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Fees and rewards indicative as of June 2026 and change often — confirm on the bank's site before applying. A credit card is borrowing; pay in full to avoid interest. Information only, not financial advice.