A lifetime free credit card means you never pay any joining fee or annual fee — ever. These cards are perfect for first-time credit card users and anyone who wants the benefits without the cost. Here are the best lifetime free credit cards available in India right now.
| Card | Fee | Best For | Apply |
|---|---|---|---|
| ✈️ Equitas PowerMiles Credit Card | FREE | Lifetime FREE card with accelerated reward miles on travel a... | Apply → |
| 🎮 HDFC Pixel Play Credit Card | FREE | Choose your own cashback categories — OTT, gaming, online sh... | Apply → |
| 📱 KIWI UPI Credit Card | FREE | India's first UPI Credit Card — earn rewards on every UPI pa... | Apply → |
Lifetime FREE card with accelerated reward miles on travel and fuel spends
Choose your own cashback categories — OTT, gaming, online shopping and more
India's first UPI Credit Card — earn rewards on every UPI payment you make
The HSBC Live+ Credit Card gives the highest cashback of 5% on dining and entertainment, and 1.5% on all other spends. For a lifetime free card, Equitas PowerMiles is the best option.
The Equitas PowerMiles Credit Card and KIWI UPI Credit Card are both lifetime free with zero annual fee. The Equitas card is better for travel rewards, while KIWI is best for UPI users.
Click the Apply button on any card above. You will be directed to the bank's application page. Keep your PAN, Aadhaar, and income proof handy. Most applications are approved within 24–48 hours.
It depends on the card. KIWI UPI Card requires as low as ₹15,000/month. Premium cards like HSBC Live+ require ₹30,000/month or higher. Most cards on this list accept ₹20,000–₹25,000/month income.