Best Lifetime Free Credit Cards Ranked
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Scapia Federal Credit Card
Joining Fee: Lifetime Free | Annual Fee: Lifetime Free
Key Features: Zero Forex Markup: 0% markup on all international spends., Unlimited Domestic Lounge Access: Unlimited access with ₹20,000 combined monthly spend across Scapia Visa/RuPay cards., Scapia Coins: 10% coins on all online/offline spends, 20% on travel bookings via app.
Read full review of Scapia Federal Credit Card -
AMAZON PAY ICICI
Joining Fee: Free | Annual Fee: Free
Key Features: Amazon Spends: 5% unlimited cashback for Amazon Prime members (3% for non-Prime) with no monthly caps, Bill Payments: 2% unlimited cashback on 100+ partner merchants paying via Amazon Pay, Base Cashback: 1% unlimited cashback on all other retail transactions, Lifetime Free: Zero joining fee and zero annual renewal fee with no conditions
Read full review of AMAZON PAY ICICI -
Jupiter Edge+ CSB Bank RuPay Card
Joining Fee: Lifetime Free | Annual Fee: Lifetime Free
Key Features: Partner Brands: 10% cashback (as Jewels) on Amazon, Flipkart, Myntra, Ajio, Nykaa, etc., Travel: 5% cashback on MakeMyTrip, EaseMyTrip, Yatra, Cleartrip, UPI & General: 1% cashback on other online, offline, and scan-and-pay UPI transactions
Read full review of Jupiter Edge+ CSB Bank RuPay Card -
Kiwi RuPay Credit Card
Joining Fee: Free | Annual Fee: Free
Key Features: Scan & Pay: 2% cashback on scan and pay UPI, Lifetime Free: No joining or annual fees
Read full review of Kiwi RuPay Credit Card -
Equitas Selfe Credit Card
Joining Fee: Free | Annual Fee: Free
Key Features: FD Backed: Issued against fixed deposit, No Income Proof: Ideal for building credit score
Read full review of Equitas Selfe Credit Card
Frequently Asked Questions
- What does a lifetime free (LTF) credit card mean in India?
- A lifetime free credit card carries zero joining fees and zero annual renewal fees for the entire duration you hold the card, without requiring you to meet minimum yearly spend thresholds.
- Are reward rates on lifetime free credit cards lower than paid cards?
- Not necessarily. Cards like Amazon Pay ICICI offer an industry-leading 5% unlimited cashback on Amazon for Prime members, while Scapia Federal offers 0% forex markup on international spends.
- Which lifetime free credit card is best for UPI payments?
- The Kiwi RuPay Credit Card and Jupiter Edge+ CSB Bank RuPay Card are two top lifetime free options built specifically for the RuPay network.