Best Lifetime Free Credit Cards in India 2026

1. Axis Neo Credit Card

Best Suited For: Online shopping, dining & movies

Key Features & Benefits

• Rs. 120 off on a minimum food order of Rs. 499 on Zomato
• 5% off on utility bills via Paytm
• 10% off, up to Rs. 250 on a minimum order of Rs. 750 on Blinkit
• Rs. 150 off on a minimum order of Rs. 999 on Myntra
• 10% off, up to Rs. 100 per month on BookMyShow
• 1 reward point for every Rs. 200 spent

Axis Bank Neo Credit Card is a decent option for consumers who prefer to avail direct discounts on everyday brands such as Zomato, Paytm, Blinkit, Myntra, BookMyShow & more. The card covers almost all major categories with these brands, including dining, movies, shopping, grocery & more. Besides this, cardholders can also earn 1 reward point for every Rs. 200 spent and redeem them across a variety of categories through the rewards catalogue. With no joining or annual fee, this lifetime free credit card turns out to be a suitable option to save on everyday spends.

Note: This card is lifetime free on Paisabazaar.

2. Federal Bank Scapia Credit Card

Best Suited For: Travel bookings via Scapia app

Key Features & Benefits:

• 20% Scapia Coins on travel bookings, including flights and hotels, made on the Scapia app
• 10% Scapia Coins on online & offline spends
• Zero forex mark-up fee
• Unlimited domestic airport lounge access by spending Rs. 10,000 on VISA and Rs. 15,000 on RuPay Card every month

Federal Bank Scapia Card is a co-branded travel credit card designed for frequent travellers who prefer booking via the Scapia app. Cardholders can earn 20% Scapia Coins on travel bookings made through the app and redeem them for future travel bookings, effectively maximizing savings on their travel spends. The card also offers significant savings on other online and offline spends with 10% Scapia Coins. In a market where most travel credit cards come with mid-range or premium annual fees, this card stands out as a cost-effective option. However, the primary limitation is that the value-back is offered in the form of Scapia Coins, which can only be redeemed for travel bookings through the Scapia app.

3. CheQ AU Credit Card

Best Suited For: Travel and Dining

Key Features and Benefits:

• 12% Rewards: 24 CheQ Points on every Rs. 200 spent on flight and hotel bookings under CheQ Travel, utility bill payments, Amazon, Amazon Now, Flipkart, Flipkart Minutes, Zomato, Bigbasket and Apple products
• 5% Rewards: 10 CheQ Points on every Rs. 200 spent across other online shopping, travel, food delivery and online grocery transactions
• 2.5% Rewards: 5 CheQ Points on every Rs. 200 spent on UPI transactions made through the CheQ App
• 1% Rewards: 2 CheQ Points per Rs. 200 spent on all other eligible categories
• India’s first LED card with a built-in light feature that glows green on every tap, available with a one-time payment of Rs. 999.
• Fuel Benefit: 1% fuel surcharge waiver, capped at Rs. 150 per month

Note: 24 CheQ Points on every Rs. 200 spent in the 12% reward category and 10 CheQ Points on every Rs. 200 spent in the 5% reward category for UPI transactions made through the CheQ app using a RuPay card.

CheQ Card offers reward points on everyday spends, including up to 12% rewards (24 CheQ Points per Rs. 200) on select categories such as travel, utilities, Amazon, Flipkart, Zomato, BigBasket, and Apple products. It also offers 5%, 2.5%, and 1% rewards on other eligible spends, a green LED tap feature, and a 1% fuel surcharge waiver (up to Rs. 150/month). Suitable for frequent digital spenders and online shoppers.

4. Fibe Axis Bank Credit Card

Best Suited For: Cashback on food delivery & entertainment

Key Features & Benefits:

• 3% cashback on entertainment, online food delivery and local commute spends
• 1% cashback on other spends
• 4 complimentary domestic airport lounge visits in a year on spending Rs. 50,000 in the previous quarter
• 15% off, up to Rs. 500 on dining spends at partner restaurants via EazyDiner under Axis Bank Dining Delights program

Co-branded with the lending platform Fibe, this lifetime free credit card is designed for online shoppers, especially young consumers. Fibe Axis Credit Card offers accelerated (3%) cashback on everyday categories like online food delivery, entertainment, and local commutes, making it a good fit for day-to-day expenses. While the cashback comes with a monthly capping, cardholders can still save significantly on everyday expenses. Additional benefits like complimentary lounge access, dining discount, and a fuel surcharge waiver further enhance its overall value. This card is well-suited for consumers starting their credit journey and looking for a card with decent value-back on online transactions.

5. Ixigo AU Credit Card

Best Suited For: Travel bookings via Ixigo

Key Features & Benefits:

• 20 reward points for every Rs. 200 spent on train bookings with Ixigo
• 10% off on bus bookings up to Rs. 300 on Ixigo, once per month
• 10% discount on flight bookings up to Rs. 1,000 on Ixigo platform, once per month
• 10% off on hotel bookings up to Rs. 1,000 via Ixigo, once per month
• Zero forex markup fee
• 1 complimentary international lounge access every year
• 8 complimentary domestic airport lounge visits every year on spending Rs. 20,000 in a quarter
• 8 complimentary domestic railway lounge access in a year
• 10 reward points for every Rs. 200 spent online
• 5 reward points for every Rs. 200 spent offline

Ixigo AU Credit Card is a co-branded travel credit card with a zero annual fee, designed for frequent travellers who prefer to make bookings via Ixigo. The card offers accelerated benefits on hotel, flight, train, and bus bookings via the Ixigo platform, making it a good option for those looking to save on travel spends. Additional benefits, such as complimentary domestic & international airport lounge access, complimentary railway lounge access, and Ixigo vouchers as a welcome benefit, further enhance its value for frequent travellers. If you’re an Ixigo loyalist or a beginner looking for your first credit card, this can be a great entry-level option, offering a good reward rate on everyday spends without any annual fee.

Suggested Read: Best Credit Cards with Zero Forex Markup

6. IDFC FIRST Millennia Credit Card

Best Suited For: Reward points across all spends

Key Features & Benefits:

• 10X rewards on incremental spends above Rs. 20,000 per month
• 3X rewards on spends up to Rs. 20,000 per month
• Base reward rate of 1 reward point for every Rs. 150 spent
• Voucher worth Rs. 500 on spending Rs. 5,000 within 30 days of card activation
• 5% cashback on first EMI transaction made within 30 days of card activation (Max. cashback Rs. 1,000)
• 25% discount on movie tickets booked via District by Zomato mobile app (Up to Rs. 100)

IDFC FIRST Millennia is a lifetime free rewards credit card, best suited for high spenders, as it offers accelerated rewards on monthly spends above Rs. 20,000. It also offers value-back on utility, insurance, and education spends—categories that are usually excluded from most credit card rewards program. Despite being lifetime free, the card offers spend-based welcome benefits worth Rs. 1,500, which is quite decent. Cardholders can also save up to 25% on movies, enhancing the card’s overall value. This card is also available on the RuPay network, allowing cardholders to earn rewards on UPI transactions as well.

7. HSBC Visa Platinum Credit Card

Best Suited For: Reward points on everyday spends

Key Features & Benefits:

• 2 reward points for every Rs. 150 spent
• 5X rewards on all spends made post reaching the annual milestone of Rs. 4 Lakh
• Amazon voucher worth Rs. 100 on completing the online credit card application and Video KYC
• 500 cashback on downloading the HSBC app and spending Rs. 5,000 within the first 30 days

HSBC Visa Platinum Credit Card is an entry-level, lifetime free credit card, ideal for consumers looking to start their credit journey. While the card offers a low base reward rate, cardholders can earn 5X rewards on all spends after crossing the annual spending milestone of Rs. 4 Lakh. Though the overall value may seem limited for beginners or moderate users, heavy spenders can fetch decent returns. Cardholders can convert the accumulated reward points into Airmiles with select airlines and save on their travel spends. Overall, this card is a good choice for those seeking a zero annual fee credit card with basic benefits.

8. BOBCARD Eterna

Best Suited For: Travel and Dining

Key Features and Benefits:

• Complimentary 6-months FITPASS Pro membership worth Rs. 15,000
• 15 Reward points per Rs. 100 spent on online shopping, travel, dining and international transactions
• 3 Reward points per Rs. 100 spent on other eligible categories
• Unlimited complimentary domestic lounge visits
• Buy 1 and get up to Rs. 250 off on the second movie ticket on District (valid once per month)

BOBCARD Eterna Credit Card is a strong choice for those seeking an all-rounder card that rewards multiple spending categories. Frequent travellers can maximise value through 5X rewards, up to 10X bonus rewards on travel spends, and unlimited domestic lounge access. Cardholders who spend significantly on dining, movies, and online shopping can also benefit from accelerated value-back.

9. BOBCARD Premier

Best Suited For: Travel and Dining

Key Features and Benefits:

• 10 reward points per Rs. 100 spent on travel, dining & international transactions (capped at 2,000 reward points per month)
• 20 reward points per Rs. 100 on hotels and 8 reward points on flights booked via BOBCARD SmartDeal
• 2 reward points for every Rs. 100 spent on other categories
• 4 domestic lounge visits every year

With 2.5% value-back on travel and international spends, along with complimentary domestic lounge access, this card is well-suited for frequent travellers. It also offers 5X rewards on dining, making it a good choice for those who dine out often. However, with a low base reward rate on categories beyond dining and travel, it may fall short for those looking for stronger premium benefits.