Lifetime-free credit cards in India
These cards have lifetime-free options: no joining fee and no annual fee. They're a good way to start, or to add a card without paying to keep it.
3 cards to consider
Each link opens the bank's referral offer. Choose the card named below when you apply.
Scapia Federal Bank Card
₹1,000 off your 1st flight
Bonus for you
Lifetime-free travel card made for flights and hotels.
IDFC FIRST Bank Credit Cards
₹500 gift voucher
Bonus for you
Several lifetime-free cards, plus an FD-backed option if you're still building credit.
Kiwi RuPay Credit Card
₹100 joining reward
Bonus for you
Turns UPI scan-and-pay into credit card spends with cashback. An easy first card.
Before you apply
- Lifetime-free usually applies to specific card variants. Check the exact variant before you apply.
- No fee doesn't mean no cost: pay the full bill every month to avoid interest of around 36–42% a year.
- Each application is a hard enquiry on your credit report, so apply for one card at a time.