Lifetime Free Credit Cards
Credit cards are one of the most powerful financial tools available today. But annual feescan eat into your benefits. That’s why lifetime free credit cards are becoming the go-tochoice for smart users who want rewards, cashback, travel offers, and shopping discountswithout paying yearly charges.
Whether you’re a frequent flyer, a movie buff, or a student looking for air india student discount or indigo student discount, lifetime free credit cards can help you save big.
What we do
we simplify your credit card decisions. We compare every credit card in India—benefits, fees, offers, and hidden charges—so you always make an informed choice. Beyond credit cards, our platform helps you discover real-time travel deals and coupons. Imagine finding the right card and instantly pairing it with offers like:
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Cleartrip coupon code
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Air India promo code
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Make My Trip coupon code
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Goibibo coupon
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Yatra promo code
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Ixigo promo code
With MyRupaya, you don’t just get the right card—you also unlock the best deals every time you book
flights, hotels, or experiences.
Why Choose Lifetime Free Credit Cards?
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No Annual Fee – Enjoy rewards without worrying about yearly charges.
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Travel Perks – Use your free card with makemytrip domestic flight coupons, air india discount code, easemytrip discount coupon, or spicejet coupon to save on trips.
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Student Discounts – Combine with offers like student discount Emirates, Fly Emirates student discount, Indigo airlines student discount.
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Entertainment & Lifestyle – Get movie, dining, and shopping deals without paying extra for card usage.
Our AI Criteria For Judging Credit Cards
Every card is reviewed carefully and given an AI-powered score, which is built on a robust mathematical model. Instead of showing random ratings or sponsored results, we use the following data points to compute the score.
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Cashback (50%) – Measures how much direct savings a card provides on everyday spending.
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Airport Lounge Visit (10%) – Rewards frequent travelers with free lounge access for comfort and savings.
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Movie Benefits (10%) – Evaluates monthly cinema discounts or free ticket value for entertainment savings.
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Dining Benefits (10%) – Tracks percentage discount on dining and food delivery expenses.
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Interest (10%) – Rates the card’s affordability for borrowing during cash crunches.
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Milestone Benefits (10%) – Scores the value of rewards or vouchers earned on annual spending targets
We regularly update the AI Score whenever banks change their reward programs, partnerships, or benefits. We make it easier for people to make confident financial decisions and choose the card that provides them with the maximum rewards.
MyRupaya Airline Discount Finder
We’ve built India’s first Airline Discount Finder. It instantly checks which credit/debit card offers, prom codes, and coupons are valid for your trip.
Looking for:
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Air India coupon code
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Cleartrip discount coupon
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Make my trip discount code
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Goibibo offers
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Yatra discount coupons
Our tool has it all, updated in real-time, so you never miss a deal.
Explore Life Time Free Credit Cards
We have given the cards in descending order based on our AI score, and cards that either have INR 0 annual fee, or annual fee is waived on expenditure of INR 2 lakhs or less in a year.
Axis Bank Titanium Smart Traveller Credit Card
Travel‑tilted Axis card with airline and fuel savings.
A budget pick for steady value across regular trips.
Cashback Rate
Users will get 4 Edge reward points on spending INR 100 domestically and 8 Edge reward points on spending INR 100 internationally.
Value of 1 Edge point: INR 0.20.
Domestic cashback rate: 0.8%
International cashback rate 1.6%.
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
INR.100 (from 2nd year onwards. Waived on spends of Rs. 50,000 in the preceding year).
Ikea Family Citi Credit Card
Store‑first card delivering extra value on IKEA furniture and home purchases.
Pairs everyday rewards with periodic in‑store promotions.
Cashback Rate
Users will get 3 reward points per INR 100 spent at Ikea.
Value of 1 reward point: INR 0.20. Ikea cashback rate: 0.6%.
Users will get 2 reward points per INR 100 spent on dining transactions. Dining cashback rate: 0.4%.
Users will get 1 reward point on all other spends. General cashback rate: 0.2%.
20% off at partner restaurants.
Condition
No condition.
Annual Fee
0
Indian Overseas Bank Classic Credit Card
IOB Classic is a straightforward everyday card with basic rewards.
A starter choice for establishing a credit history.
Cashback Rate
Users will be awarded 1 reward point for every Rs. 100 spent on all eligible purchases.
The value of 1 RP= INR 0.20.
General Cashback Rate: 0.20%.
Condition
No condition.
Annual Fee
Nil
PNB VISA Gold Card
PNB Visa Gold offers essential rewards on a widely‑accepted network.
A stable pick for family expenses and utilities.
Cashback Rate
The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP= Rs. 0.50. Effective cashback rate: 0.5%.
Condition
No condition.
Annual Fee
Nil
Indian Overseas Bank Credit Card Gold
IOB Gold steps up limits and rewards from Classic for family expenses.
Balanced for shopping, fuel and utilities.
Cashback Rate
1 reward point for every INR 100 you spend on all eligible purchases.
1 RP= INR 0.20.
General Cashback Rate: 0.20%.
Condition
No condition.
Annual Fee
Nil
Axis KWIK Credit Card
Instant‑issuance, tap‑and‑go convenience for frequent small‑ticket payments.
Great as a quick daily driver with contactless support.
Cashback Rate
Users will be awarded 2 EDGE reward points for every Rs. 200 spent (1 EDGE reward point for every Rs. 100 spent).
1 reward point = Rs. 0.20.
Effective cashback rate: 0.2%.
Condition
No Condition.
Annual Fee
Joining/Annual Fees: NIL
HDFC Bank UPI RuPay Credit Card
HDFC UPI RuPay enables credit‑on‑UPI payments on RuPay rails plus standard card usage.
A practical domestic daily‑spends solution.
Cashback Rate
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends &PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
Condition
Annual fee waived on spends of INR 0.25 Lakh
Annual Fee
INR 99
HDFC Moneyback Credit Card
Trusted entry‑level cashback card for online and offline purchases.
Balanced earn rates with easy redemption and milestone fee waivers.
Cashback Rate
1 reward point = INR 0.20.
Users will get 2 reward points for every INR 150 spent.
General Cashback Rate 0.27%
2X reward points i.e. 4 reward points for every Rs. 150 spent online.
Online Cashback Rate: 0.54%.
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
INR 500
Bank of India Rupay Platinum Credit Card
BOI RuPay Platinum offers domestic rewards and fee relief options.
Convenient with UPI linkage on RuPay rails.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 2 StarPoints for every Rs. 100 on regular spending.
Effective general cashback rate: 0.50%.
3 StarPoints on every Rs. 100 spent at point of sales transactions and e-commerce transactions.
Special cashback rate: 0.75%.
Condition
No condition.
Annual Fee
INR 0
Federal Bank Rupay Wave Credit Card
Contactless‑friendly RuPay variant with domestic rewards and app controls.
Great for everyday tap‑and‑pay across local merchants.
Cashback Rate
Reward System: For every INR 200 you spend, you will earn 1 reward point.
1 RP = 0.25 Paisa.
Effective General Cashback Rate: 0.125%.
Condition
No condition.
Annual Fee
0
Kotak Urbane Gold Credit Card
Kotak Urbane Gold rewards shopping and fuel, with milestone fee waivers.
A steady everyday card for urban families.
Cashback Rate
Users will get 3 reward points per Rs. 100 spend on all retail transactions.
1 RP = 0.25 Paisa.
General Cashback Rate: 0.75%.
Condition
Annual fee waived on spends of INR 1.5 Lakh
Annual Fee
s Rs. 199 Condition for waiver of Annual Fees - First Year Minimum retail spends of Rs.15000 each year Condition for waiver of Annual Fees - Second Year Minimum retail spends of Rs.15000 each year
Prime Bobcard
Bobcard portfolio offering balanced rewards and simple redemptions.
Backed by BoB Financial for wide acceptability.
Cashback Rate
Users will earn 2 reward points for every INR 100 spent.
Value of 1 point = INR 0.20
Effective Cashback Rate: 0.4%.
Condition
No condition.
Annual Fee
Nil
HDFC Bank UPI RuPay Biz Credit Card
HDFC UPI RuPay Biz links UPI acceptance to a business credit line.
Great for merchants who want card benefits with UPI interoperability.
Cashback Rate
1 cash point = INR 0.25.
3% cash points on groceries, supermarket & dining spends &PayZapp transactions (maximum 500 points per month).
Grocery+ Cashback Rate: 0.75%.
2% cash points on utility spend (maximum 500 points per month).
Utility Cashback Rate: 0.50%.
1 cash points on other spends (excluding rent, Wallet loads, EMI, fuel & education categories) (maximum 500 points per month).
General Cashback Rate: 0.25%.
Condition
Annual fee waived on spends of INR 0.25 Lakh
Annual Fee
INR 250 plus taxes. The renewal fee is waived upon spending INR. 25,000 within a year.
CSB Onecard Credit Card
Metal card with app‑based controls and transparent rewards structure.
Instant issuance and clear math appeal to digital natives.
Cashback Rate
The value of 1 reward point = 0.10 Paisa.
User will get 2 reward points on spending INR 100.
General cashback rate: 0.2%
Users will get 5x reward points on top two categories of spends such as travel, groceries, entetainment.
Special cashback rate: 1%.
Condition
No condition.
Annual Fee
0
Yes Bank Anq Pi Credit Card
Fintech co‑brand with fast digital issuance and simple, transparent rewards.
App‑first experience for users who want quick control.
Cashback Rate
On every ₹200 spent on UPI transactions above ₹2000 you can earn 4 YES Reward Points,
On every ₹200 spent on all online spent you can earn 2 YES Reward Points.
1 RP = 0.25 paisa. UPI Cashback Rate: 0.5%. Online cashback rate: 0.25%.
Condition
No condition.
Annual Fee
0
ICICI Bank Platinum Chip Credit Card
Secure EMV chip with dependable rewards on routine expenses.
A reliable daily driver for bills, fuel and shopping.
Cashback Rate
Retail purchases (except fuel): 2 PAYBACK points per Rs. 100 spent.
Value of 1 point = INR 0.25.
General Cashback Rate: 0.5%
Insurance & utilities: 1 PAYBACK point per Rs. 100 spent.
Insurance+ Cashback Rate: 0.25%
Condition
(Second year onwards) NIL
Annual Fee
(Second year onwards) NIL
IDBI Aspire Platinum
IDBI Aspire Platinum delivers classic platinum benefits on retail spends.
Simple redemption and fee relief keep it economical.
Cashback Rate
The value of 1 Delight point is 0.25 Paisa.
Users will earn 2 Delight points for every 150 spent.
General Cashback Rate: 0.33%.
Condition
No condition.
Annual Fee
NIL
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