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.
HDFC Pixel Play Credit Card
Customisable 5% packs on selected brands plus 1% base cashback elsewhere.
Digital‑first design with flexible billing date and app‑friendly controls.
Cashback Rate
Reward System: Cardholders will get 5% cashback on any two packs of their choice.
Dining & Entertainment category BookMyShow & Zomato.
Travel category MakeMyTrip & Uber.
Grocery category Blinkit & Reliance Smart Bazaar.
Electronics category Croma & Reliance Digital.
Fashion category Nykaa & Myntra.
3% cashback on any one E-commerce merchant of his choice
Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
1% cashback on all UPI spends (only for Rupay version)
Get up to 25% off on dining through Swiggy Dineout.
Annual fee reversal on spend of INR 50,000 in any year.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
INR 500 /- + Applicable Charges
Paytm HDFC Bank Select Credit Card
Paytm co‑brand with higher rewards on Paytm app recharges, bills and shopping.
Seamless for Paytm power users who prefer app‑first payments.
Cashback Rate
Users will receive 5% cashback onpurchases on the Paytm app [recharge + utility bill payment + movie tickets + Mini App]. Maximum cashback is capped at INR 1500 per month.
3% cashback on preferred merchants such as Swiggy, AJIO, Big Basket & Uber. Maximum cashback is capped at INR 500 per month.
1% cashback on all other retail spend. Maximum cashback s capped at INR 2000 per month.
Condition
Annual Fee waived upon spending INR 1.5 Lakh (Non-EMI Spends) in the 12 months period.
Annual Fee
Annual Membership Fee: Rs.1000 + GST First Year Fee waived upon spending Rs.50,000 (Non-EMI Spends) within the first 90 days.
Paytm HDFC Bank Select Business Credit Card
Business‑focused Paytm co‑brand offering value‑back on utilities, advertising and app spends.
Helps SMEs track expenses while earning steady savings.
Cashback Rate
Users will get 5% cashback onpurchases on Paytm (recharge, utility, travel, movies + Mini app) with amaximum limit of INR 1500 per month.
3% cashback on accelerated categories like Swiggy, AJIO, Big Basket & Uber with a maximum limit of INR 500 per month.
1% cashback on all other retail transactionswith a maximum limit of INR 2000 per month.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
INR 1000 plus taxes. The renewal year fee is waived upon spending Rs. 1,00000 (Non-EMI spends) in the 12 months.
IDFC First Power+ Credit Card
IDFC FIRST Power+ delivers accelerated rewards on everyday categories.
Low fees and EMI flexibility suit regular household spending.
Cashback Rate
Users will get up to 6.5% savings on fuel expenses.
5% savings as rewards on grocery & utility expenses.
5% savings as rewards on IDFC FIRST FASTag recharge.
3X rewards on other retail transactions. 1 RP = 0.25 paisa.
Condition
Annual fee waived on spending INR 1.5 lakh in a year
Annual Fee
INR 499, waived off on crossing ₹150,000 spent in the previous anniversary year.
IRCTC HDFC Bank Credit Card
Rail travel specialist with accelerated rewards on IRCTC ticket bookings.
Ideal for regular train travellers who want lounge and travel‑linked perks.
Cashback Rate
5% cashback on train ticket booking through HDFC SmartBuy.
Get 5 reward points for every 100 spent on IRCTC ticketing website and Rail Connect App. Value of 1 reward point = INR 1. IRCTC cashback rate = 5%.
1 Reward point on all other spends. General cashback rate = 1%.
Condition
Annual fee waived on spending INR 1.5 lakh in a year
Annual Fee
500 /- + Applicable Charges
Federal Bank MagniFi Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
Welcome Benefit: None.
Reward System: 1 Fi point = INR 0.25.
On weekdays cardholder will get 2 Fi points on spending INR 100.
Weekdays Cashback Rate: 0.5%.
On Weekends cardholder will get 20 Fi points on spending INR 100.
Weekends cashback rate: 5%.
Condition
No condition.
Annual Fee
Nil
ICICI Bank HPCL Super Saver Credit Card
Fuel‑focused card that cuts petrol bills at HPCL outlets and waives surcharge on partner rails.
Adds everyday rewards so savings extend beyond just refuelling.
Cashback Rate
2 reward points per Rs. 100: On all other retail purchases excluding fuel, departmental stores, and utility bills. 1RP=Rs. 0.25. Effective Cashback rate: 0.50%
Fuel: Up to 5.5% cashback (4% + 1.5% points) on HPCL fuel purchases.
Mobile, electricity, department stores: Up to 5% cashback (5 points = Rs. 1.25).
Condition
Annual fee waived on spending INR 1.5 lakh in a year
Annual Fee
(second year onwards) - Rs 500* + GST (can be waived on spends of Rs 1,50,000 per year)
Axis Bank Ace Credit Card
Everyday cashback workhorse with elevated returns on utilities and bill payments.
Includes lounge and dining tie‑ups for all‑round value.
Cashback Rate
Users will receive 5% cashback on bill payments (electricity, internet, gas and more) DTH and mobile recharges on Google Pay. (Capped at INR 500 per month).
4% cashback on Swiggy, Zomato & Ola. (Capped at INR 500 per month).
1.5% on all other spends (uncapped).
15% off upto INR 500 using Eazy Diner App.
Condition
Annual fee waived on spending INR 2 lakh in a year
Annual Fee
2nd year onward: INR. 499 ( waived off on annual spends greater than Rs. 2,00,000).
Standard Chartered Easemytrip Credit Card
Travel co‑brand with direct discounts on EMT flight/hotel bookings and bonus rewards on travel.
Includes lounge and partner offers for frequent fliers.
Cashback Rate
Users will get a 20% flat discount on domestic & international hotel bookings(Capped at INR 5000 and Rs 10000 respectively).
10% flat off on domestic & international flight bookings (capped at INR 1000 and INR 5000 respectively).
10 reward points on every INR 100 spent on booking standalone hotel and airline websites/apps/outlets. Value of 1 reward point = INR 0.25. Travel cashback rate = 2.5%.
2 reward points on all other spends. General cashback rate: 0.5%.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
INR 350
RBL Bank VCard
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
Users can earn 1 reward point for every INR 100 spent.
Every Wednesday 40 reward points for every INR 100 spent on online orders of Pizza Hut & Domino's, and 20 reward points for every INR 100 spent on groceries on Wednesdays.
1 RP =0.25 paisa.
General cashback rate: 0.25%, effective cashback rate for online orders on Wednesday: 10%, and effective cashback rate for grocery shopping done on Wednesday: 5%.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
Annual membership Fees: 500 + GST (from 2nd year) The Membership Fee for the second year is Rs. 1499/-, but is waived off on spends of Rs. 1 lacs or more in the previous year.
HPCL BoB ENERGIE
Fuel‑focused card that cuts petrol bills at HPCL outlets and waives surcharge on partner rails.
Adds everyday rewards so savings extend beyond just refuelling.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%.
24 reward points for every fuel spend of Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
Annual Fe: INR 499* *The annual fee will be waived if you spend Rs.50,000 in the preceding year.
HDFC Swiggy Credit Card
Food‑forward co‑brand with higher cashback on Swiggy orders and allied categories.
Great for frequent delivery users who want predictable savings each month.
Cashback Rate
Users will get flat 10% cashback on Swiggy orders (food delivery, groceries, Dineout, Genie), capped at INR 1500 per month.
5% cashback on online shopping across various categories like Amazon, Flipkart, Myntra, BookMyShow, etc., capped at INR 1500 per month.
1% cashback on all other eligible spends, capped at INR 500 per month.
Condition
Annual fee waived on spending INR 2 lakh in a year
Annual Fee
Rs. 500
RBL Bank Cookie Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 5 reward points for every Rs. 100 spent online with an effective cashback rate of 1.25%
1 reward point for every Rs. 100 spent offline (except on fuel) with a cashback rate of 0.25%.
Users will get 10% off at BookMyShow for up to Rs 300 per month, and 10% cashback at Myntra, Uber & Zomato, for up to Rs 300 each per month for each brand.
Condition
On spending INR. 5,000 in a month next month’s membership fee is waived off.
Annual Fee
N.A.(Not Applicable)
Amazon Pay ICICI Bank Credit Card
Lifetime‑free co‑brand that earns Amazon Pay balance with boosted rates on Amazon purchases.
Simple redemption within Amazon Pay makes it a no‑maintenance everyday card.
Cashback Rate
The cashback rate is 5% on Amazon website and app for the cardholders if they are also an Amazon Prime member.
Non-prime members will get 3% cashback on Amazon app and website.
Cardholder will ge t2% cashback on Amazon Pay for certain kinds of utility bill payments.
Cardholders will get 1% cashback on all other payments.
Condition
No condition.
Annual Fee
N.A.(Not Applicable)
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BOB Assure Credit Card
Entry‑level BoB card with reward points on routine spends.
Fee‑waiver thresholds and surcharge benefits keep costs low.
Cashback Rate
You earn 1 reward point for every Rs. 100 spent across all categories.
Redeem 500 points for ₹25. This translates to a value of 5 paise per point.
Effective Cashback Rate: 0.5% cashback on all spends.
5% cashback on fuel transactions.
Condition
No condition.
Annual Fee
N.A.(Not Applicable)
HDFC Bank Freedom Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
Users will get 1 reward point for every INR 100 spent.
1 CashPoint = Rs. 0.15 for redemption against product catalogue, SmartBuy, and cashback.Effective cashback rate: 0.15%.
1 RP for product catalogue 0.15. Effective cashback rate: 0.15%.
For unified SmartBuy (Flights/Hotels), the effective cashback rate is 0.15%.
10X CashPoints on Big Basket, BookMyshow, OYO, Swiggy & Uber. Special cashback rate 1.5%.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
INR 500
Fibe Axis Bank Credit Card
Co‑brand for salaried professionals with app‑led onboarding and rewards on online spends.
Balances bill payments, shopping and EMI options.
Cashback Rate
Users can earn 3% cashback on entertainment, commute and food delivery transactions.
1% cashback on all other spends.
Cashback is not eligible for transactions of less than Rs. 100. Maximum cashback amount = Rs. 1500 in a statement cycle.
Condition
No condition.
Annual Fee
Joining and Annual Fees: NIL
Yes Bank Card Anq Phi Credit Card
Fintech co‑brand with fast digital issuance and simple, transparent rewards.
App‑first experience for users who want quick control.
Cashback Rate
1 RP = 0.25 paisa.
Users will earn 24 Yes Reward Points on every ₹200 spent on travel, dining, hotels and fast food, Cashback rate: 3%
Earn 24 Yes Reward Points on every ₹200 spent on groceries, supermarkets, apparel & entertainment, Cashback rate: 3%
4 Yes Reward Points on every ₹200 spent on other selected categories. cashback rate: 0.5%.
Condition
No condition.
Annual Fee
INR 0
Paytm HDFC Bank Business Credit Card
Business‑focused Paytm co‑brand offering value‑back on utilities, advertising and app spends.
Helps SMEs track expenses while earning steady savings.
Cashback Rate
Every 1 cash point is equivalent to INR 1.
3% cashback onpurchases on Paytm (recharge, utility, movies, Mini App), maximum Rs. 500 per calendar month.
2% cashback on all other select Paytm spends, the maximum cap per calendar month is INR 500.
1% cashback on all other retail spends, maximum cap per calendar month is INR 1000.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
INR 500 plus taxes. Renewal Year Fee waived upon spending Rs. 50,000 (Non-EMI spends) in the 12 months.
IndusInd ePay Amex Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
Value of 1 reward point = INR 0.35.
Users will get 4 reward points on the first 4 transactions each month, with an effective cashback rate of 1.4%.
Users will get 8 reward points for 5th to 8th transaction in each statement cycle with an effective cashback rate: of 2.8%.
10 reward points on every transaction beyond 10th transaction with cashback rate of 3.5%.
Condition
No condition.
Annual Fee
NIl.
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