Top 3 Lifetime Free Credit Cards in India (2026): Zero Annual Fee, Real Benefits Explained
In India, many users end up paying annual fees on credit cards without actually using premium benefits. That is why lifetime free credit cards are becoming increasingly popular in 2026. These cards come with no joining fee and no annual charges, making them suitable for long-term use.
Below are three lifetime free credit cards that are currently considered reliable options for everyday spending, online shopping, and basic rewards.
1. Axis Bank ACE Credit Card (Lifetime Free Variant)
The Axis Bank ACE Credit Card is known for its simple cashback structure and suitability for regular monthly expenses.
Key Features:
- Lifetime free (₹0 joining and annual fee)
- Cashback on utility bills, mobile recharges, and online payments
- Fuel surcharge waiver on eligible transactions
- Accepted widely across online and offline merchants
Apply here (official application page):
Who should consider this card:
Users who want a straightforward cashback card for daily expenses without complex reward rules.
2. Amazon Pay ICICI Credit Card (Lifetime Free)
This card is permanently lifetime free and is especially useful for users who shop online frequently.
Key Features:
- Lifetime free for all users
- Higher cashback for Amazon Prime members
- Cashback on Amazon, food delivery, travel bookings, and bills
- No cap on reward accumulation for Amazon purchases
Apply here (official application page):
Who should consider this card:
People who regularly shop on Amazon or prefer direct cashback instead of reward points.
3. IDFC First Millennia Credit Card (Lifetime Free)
IDFC First Bank cards are popular for their transparent fee structure and beginner-friendly approach.
Key Features:
- Lifetime free without spending conditions
- Reward points on all categories including online shopping
- Interest-free cash withdrawal (limited period)
- Lower forex markup compared to many entry-level cards
Apply here (official application page):
Who should consider this card:
Users looking for an entry-level credit card with balanced rewards and no hidden charges.
Quick Comparison
| Credit Card | Best Use Case | Annual Fee |
|---|---|---|
| Axis Bank ACE | Utility & daily spends | ₹0 |
| Amazon Pay ICICI | Online shopping & cashback | ₹0 |
| IDFC First Millennia | Beginner & all-round use | ₹0 |
Final Takeaway
If you want to use a credit card long-term without worrying about annual fees, lifetime free credit cards are the safest choice. Each card above serves a different purpose, so the right option depends on how and where you spend your money.
Choosing a no-fee card also helps maintain a healthy credit history without unnecessary costs.
