Delve into a world of no-fee spending with WalletWalk’s guide to the best lifetime free credit cards in India for 2023. These cards offer a lifetime of benefits with no annual fee, enabling you to enjoy the perks of a credit card without the usual costs. Whether you’re a first-time cardholder or looking to add a zero-fee card to your wallet, our guide will assist in finding the perfect fit for your needs. Start your WalletWalk journey today and let us help you navigate towards a lifetime of free credit card benefits.

ICICI Amazon Pay Credit Card

Reward Rate: Earn up to 5% cashback on Amazon for Amazon Prime members and 3% for others.

Features: 2% cashback on 100+ Amazon Pay partner merchants.

Fee: No annual fee.

Benefits: 1% fuel surcharge waiver.


Axis Bank Insta Easy Credit Card

Reward Rate: Earn 6 reward points per ₹200 spent on domestic transactions and 12 points on international transactions.

Features: Get a credit limit of up to 80% of your fixed deposit amount.

Fee: No annual fee.

Benefits: Enjoy 15% off at select dining outlets across India.


HSBC Visa Platinum Credit Card

Reward Rate: Earn 2 reward points for every ₹150 spent.

Features: 10% cashback on all spends during the first 90 days.

Fee: No annual fee.

Benefits: Enjoy fuel surcharge waiver at all fuel stations across India.


Standard Chartered Platinum Rewards Card

Reward Rate: Earn 5 reward points for every ₹150 spent on dining and fuel.

Features: Enjoy a host of rewards and cashback offers.

Fee: No annual fee for the first year.

Benefits: Get additional points on your first transaction and first ATM withdrawal.


Kotak Royale Signature Credit Card

Reward Rate: Earn 4X reward points for every ₹150 spent on hotels, restaurants, travel agencies, airlines, and international spends.

Features: Provides complimentary access to airport lounges in India.

Fee: No annual fee for the first year.

Benefits: Fuel surcharge waiver across all petrol pumps in India.



IDBI Aspire Platinum Credit Card

Reward Rate: Earn 2 reward points for every ₹100 spent.

Features: Zero lost card liability after reporting loss of card.

Fee: No annual fee.

Benefits: Up to 20% off on dining at select restaurants.


IndusInd Bank Platinum Aura Edge Credit Card

Reward Rate: Earn 4 reward points for every ₹100 spent on departmental stores, hotels, and restaurants.

Features: Personal accident insurance cover up to ₹25 Lakhs.

Fee: No annual fee.

Benefits: Exclusive access to airport lounges in India.


PNB Rupay Platinum Credit Card

Reward Rate: Earn 2 reward points for every ₹100 spent.

Features: 5% cashback on utility bills.

Fee: No annual fee.

Benefits: Complimentary access to airport lounges in India.


Opting for a lifetime free credit card eliminates the worry of yearly fees. However, do not overlook other aspects such as reward rate, benefits, and features while choosing a card.

Disclaimer: The information provided in this article is accurate as of July 2023. For the most accurate and current information, please visit the official websites of the respective banks.