CreditJungle
Credit Cards Cashback Travel Lifetime Free Loans Calculators Guides
Login Get Started
Compare smarter. Choose better.

Lifetime Free Credit Cards

Compare annual fees, rewards, cashback, travel benefits and eligibility — all in one place. Find the card that fits the way you spend.

11+
Cards
6
Free Tools
100%
Free Comparison
Credit Jungle
••••   ••••   ••••   4821
Cardholder
CREDITJUNGLE USER
Valid Thru
12/30
Browse All Cards Cashback Travel Lifetime Free Forex Fuel Shopping
Reset
11 Cards
matching your selection
CreditJungle Collection

Lifetime Free Credit Cards

Compare the numbers that actually matter before you apply.

11 results
Popular
SBM Bank / ZET Lifetime Free/FD-backed

SBM ZET Credit Card

SBM ZET Credit Card
Annual Fee
Lifetime Free
Min Income
Not specified
Joining Fee
Free
Credit Score
300+
Lifetime Free credit card with no joining or renewal fees. Issued against a fixed deposit of ₹2,000 or more.
Key Benefits +7 more
Guaranteed Approval Against FD — 100% guaranteed approval against a minimum Fixed Deposit of ₹2,000 with no income proof or credit score verification required.
Up to 7% Interest on FD — Your underlying fixed deposit continues to grow, earning up to 7% interest per annum, safely insured under RBI/DICGC regulations.
5% Cashback on Amazon & Flipkart — Earn 5% cashback on Amazon and Flipkart vouchers purchased via the ZET app.
Details Apply Now
Federal Bank / Scapia Travel / Rewards

Federal Bank Scapia Credit Card

Federal Bank Scapia Credit Card
Annual Fee
Lifetime Free
Min Income
₹30,000
Joining Fee
Free
Credit Score
730+
Lifetime Free card with no joining fee or annual renewal fee.
Key Benefits +7 more
Zero Forex Markup Fee — Enjoy zero foreign currency exchange markup on all international transactions across 180+ countries worldwide.
Unlimited Domestic Lounge Access — Unlock unlimited complimentary domestic airport lounge visits by spending at least ₹20,000 on the card in the calendar month.
4% Value-Back on Travel Bookings — Earn 20 Scapia Coins per ₹100 (4% value-back) on all flight and hotel bookings made via the Scapia app.
Details Apply Now
BOBCARD / Uni Lifetime Free

BOBCARD Uni GoldX Credit Card

BOBCARD Uni GoldX Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
Free
Credit Score
700+
Lifetime Free card with no joining fee or annual renewal fee.
Key Benefits +6 more
24K Real Gold Rewards — Earn rewards in real 24K Digital Gold (Uni Coins). Convert your gold to cash anytime or mint into physical gold coins with zero making charges.
Zero Forex Markup Fee — Enjoy zero foreign currency markup on all international spends across 180+ countries.
Unlimited 7% Back on Travel — Earn unlimited 7% back on domestic and international flight and hotel bookings made through the Uni Store platform with no capping.
Details Apply Now
YES Bank UPI / Cashback

Kredit.Pe YES Bank LTF UPI Credit Card

Kredit.Pe YES Bank LTF UPI Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
Free
Credit Score
720+
This card is issued as Lifetime Free (LTF) with absolutely no joining fee or annual renewal fee.
Key Benefits +5 more
Unlimited 5% Cashback on Digital Gold — Earn a massive, uncapped 5% Kredit.Pe Cashback on all Digital Gold purchases.
Unlimited 3% Cashback on UPI — Earn an unlimited 3% Kredit.Pe Cashback on all your eligible UPI scan & pay transactions.
YES Bank Reward Points — Earn 8 YES Bank points per ₹200 on online shopping, 4 points on offline spends, and 2 points on utilities, insurance, and government services.
Details Apply Now
Kiwi (YES / AU / PNB) UPI / Cashback

Kiwi RuPay Credit Card

Kiwi RuPay Credit Card
Annual Fee
Lifetime Free
Min Income
₹15,000
Joining Fee
Free
Credit Score
720+
Basic card is Lifetime Free. An optional Kiwi Neon Membership is available for ₹999 + Taxes annually.
Key Benefits +4 more
1.5% Cashback on UPI — Earn 1.5% cashback on eligible Scan and Pay UPI transactions using the standard Lifetime Free Kiwi card.
Kiwi Neon Membership Boost — Upgrade to the Kiwi Neon Membership (₹999 + taxes) to earn 2% base cashback on Scan & Pay, scaling up to 5% upon hitting annual spending milestones.
Online & Non-UPI Spends — Earn 0.5% cashback on online transactions and 2 Reward points for every ₹200 spent on regular offline/non-UPI purchases.
Details Apply Now
Axis Bank Travel / Airline

Axis IndiGo RuPay Credit Card

Axis IndiGo RuPay Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
Free
Credit Score
735+
Lifetime free under the limited-time offer till 30th Oct 2026. No joining or annual fees apply during this period.
Key Benefits +4 more
3% Value-back on IndiGo Spends — Earn 3 IndiGo BluChips for every ₹100 spent directly on the IndiGo website and app bookings.
2% Value-back on Selected Spends — Earn 2 IndiGo BluChips for every ₹100 spent on selected secondary categories.
Base Travel Rewards — Earn 1 IndiGo BluChip per ₹100 on all other eligible regular retail spends as base rewards.
Details Apply Now
Axis Bank Lifetime Free

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
Free
Credit Score
736+
Lifetime Free card. Standard fee is ₹250 + GST, currently offered with zero joining and renewal fees.
Key Benefits +7 more
Zomato Food Delivery Offer — Flat ₹120 off on food delivery on minimum order value of ₹499 via promo code AXISNEO (applicable twice per month).
Blinkit Grocery Discount — 10% off up to ₹250 on grocery orders with a minimum order value of ₹750 (once per month).
Paytm Utility & Recharges — 5% off up to ₹150 per month on mobile/DTH recharges or broadband payments on minimum spends of ₹299 via code AXISNEO (once a month).
Details Apply Now
Axis Bank Lifetime Free

LIC Axis Bank Platinum Credit Card

LIC Axis Bank Platinum Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
Free
Credit Score
735+
Lifetime free credit card. No joining or annual renewal fee is charged.
Key Benefits +4 more
Accelerated LIC Rewards — Earn 2 Reward Points for every ₹100 spent on LIC insurance premium payments (1 RP = ₹0.66).
International Spend Rewards — Earn 2 Reward Points per ₹100 on all foreign currency and international transactions.
Base Rewards — Earn 1 Reward Point per ₹100 on all other regular retail transactions.
Details Apply Now
Axis Bank Lifetime Free

LIC Axis Bank Signature Credit Card

LIC Axis Bank Signature Credit Card
Annual Fee
Lifetime Free
Min Income
₹41,667
Joining Fee
Free
Credit Score
735+
Lifetime free credit card. No joining or annual renewal fee is charged.
Key Benefits +5 more
2% Rewards on LIC Premiums — Earn 2 Reward Points for every ₹100 spent on LIC insurance premium payments (1 RP = ₹1).
2% Rewards on International Spends — Earn 2 Reward Points per ₹100 on all foreign currency and international transactions.
1% Base Rewards — Earn 1 Reward Point per ₹100 on all other retail transactions.
Details Apply Now
HSBC Bank Lifetime Free

HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card
Annual Fee
Lifetime Free
Min Income
₹600,000
Joining Fee
Free
Credit Score
Check eligibility
Lifetime free credit card with no joining or annual renewal fee.
Key Benefits +11 more
Lifetime Free Card — Enjoy the HSBC Visa Platinum Credit Card with no joining fee and no annual renewal fee.
2 Reward Points per Rs 150 — Earn 2 reward points for every Rs 150 spent on eligible transactions.
Travel with Points — Earn accelerated reward points through HSBC Travel with Points on eligible hotel, flight and car rental bookings. Current HSBC Travel with Points rates include up to 4X on flights for eligible non-Premier/Prive cards, 6X on hotels and 2X on car rentals.
Details Apply Now
HDFC Bank Cashback

HDFC Bank PIXEL Play Credit Card

HDFC Bank PIXEL Play Credit Card
Annual Fee
Lifetime Free
Min Income
₹25,000
Joining Fee
₹500
Credit Score
750+
Joining Fee: ₹500 + applicable taxes, waived on spending ₹20,000 within 90 days of card issuance. Annual Fee: Nil.
Key Benefits +7 more
5% Brand Packs Cashback — Choose any 2 Brand Packs and earn 5% cashback, capped at 500 CashPoints per month per category. Dining & Entertainment: BookMyShow and Zomato; Travel: MakeMyTrip and Uber; Grocery: Blinkit and Reliance Smart Bazaar; Electronics: Croma and Reliance Digital; Fashion: Nykaa and Myntra.
3% E-Commerce Cashback — Choose any one e-commerce platform from Amazon, Flipkart or PayZapp and earn 3% cashback, capped at 500 CashPoints per month.
1% Unlimited Cashback — Earn 1% unlimited cashback on eligible other spends. Fuel, rent, EMI, e-wallet loading and government transactions are excluded.
Details Apply Now
Don't Guess. Compare.

The right card can make every ₹ count.

Compare fees, cashback, rewards, travel benefits and eligibility before choosing your next credit card.

Compare Cards
Fees
Compare costs
Rewards
Compare value
Travel
Find travel perks
Eligibility
Check requirements
Credit Card Guide

Frequently Asked Questions

A few things to know before applying.

What is the best credit card?

There is no single best credit card for everyone. The right card depends on your spending habits, fees, rewards, benefits and eligibility.

Can I apply for multiple credit cards?

You can apply for multiple cards, but multiple applications within a short period can result in multiple hard credit enquiries. Consider your requirements before applying.

Does CreditJungle approve my application?

No. CreditJungle is a comparison platform. Final approval is determined by the respective card issuer based on its eligibility criteria and internal assessment.

Are the calculators free?

Yes. CreditJungle's available comparison calculators are designed to help users understand potential costs, rewards and savings before making a decision.

Disclaimer: CreditJungle provides information for comparison and educational purposes. Fees, rewards, eligibility, interest rates and other product features may change. Please verify the latest information with the respective issuer or financial institution before applying. Approval is subject to the issuer's terms and eligibility criteria.