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.
Shoppers Stop HDFC Bank Credit Card
Retail‑centric card built for fashion purchases at Shoppers Stop and partner brands.
Delivers targeted bonus points, sale previews and store offers.
Cashback Rate
Users will earn 3% reward points on every Shoppers Stop spend & 1 % reward points on Non-Shoppers Stop spends. (Maximum capping of Rs.500 per month on Shoppers Stop spends & Rs.1000 per month for non-shoppers stop spends).
The reward points can be redeemed against a Shoppers Stop vouchers.
Condition
No condition.
Annual Fee
Nil
First Citizen Citi Credit Card
Retail‑centric card built for fashion purchases at Shoppers Stop and partner brands.
Delivers targeted bonus points, sale previews and store offers.
Cashback Rate
1 RP = Rs. 0.6.
Customers get 14 First Citizen Reward Points/Rs.200 spent on private brand apparel at Shoppers Stop (i.e., 7 reward points for every INR 100 spent, Cashback Rate:4.2%).
10 First Citizen Reward Points/Rs.200 spent at Shoppers Stop on other brands(i.e., 5 RPs for every INR 100 spent, Cashback Rate: 3%).
10 First Citizen Reward Points/Rs.200 spent at Homestop, Arcelia, M.A.C, Clinique, Estee Lauder, Bobbi Brown, Jo Malone & Smashbox (Cashback Rate: 3%).
2 First Citizen Reward Points/Rs.200 on other spends (Effective Cashback Rate: 0.6%).
Condition
Zero annual fee on annual spends of INR 30,000 or more
Annual Fee
Nil
IndusInd Eazydiner Credit Card
Dining specialist providing instant discounts and easy table reservations via EazyDiner.
Perfect for regular restaurant outings with family and friends.
Cashback Rate
Users will earn 10 reward points for every INR 100 spent on dining, shopping and entertainment.
Value of 1 reward point = INR 0.20. Special cashback rate: 2%.
Users will earn 4 reward points on all other spends (except fuel). General cashback rate: 0.4%.
Condition
No condition.
Annual Fee
Nil
IndusInd Tiger Credit Card
Lifestyle‑themed IndusInd card with milestone rewards and partner offers.
Suited for users who want premium‑lite experiences.
Cashback Rate
Value of 1 reward point = INR 0.4.
On spending upto INR 1 Lakh users get 1 reward point for every INR 100 spent, cashback rate: 0.4%
On spending between INR 1 Lakh and INR 2.5 Lakh, users get 2 reward points for every INR 100 spent, cashback rate: 0.8%.
On spending between INR 2.5 Lakh and INR 5 Lakh, users get 4 reward points for every INR 100 spent, cashback rate: 1.6%.
On spending above INR 5 Lakh, users get 6 reward points for every INR 100 spent, cashback rate: 2.4%.
Condition
No condition.
Annual Fee
INR 0
Federal Bank Scapia Credit Card
Travel‑tilted co‑brand with zero forex markup and instant travel redemptions.
Spend your way to lounge access and airport privileges on meeting thresholds.
Cashback Rate
10% scapia coins on all normal purchases and 20% scapia coins on all travel purchases through the scapia app.
The value of 5 coins is INR 1.
The effective cashback rate on normal transactions is 2% and the effective cashback rate on travel transactions is 4%.
Condition
No condition.
Annual Fee
Zero
Bank of Baroda Premier Credit Card
All‑rounder with travel, shopping and milestone benefits plus fee waivers.
A balanced pick for families seeking steady rewards.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will earn 5X rewards i.e. 10 reward points for every Rs. 100 spent on Travel, Dining and Abroad (International spending).Effective cashback rate = 2.5%.
2 reward points for every Rs. 100 spent on other categories. Effective cashback rate = 0.50%.
Condition
Annual fee waived on spending INR 1.2 lakh in a year
Annual Fee
INR 1000 (Spend Rs. 1,20,000 on your card in a year for fee waiver).
ICICI Parakram Select Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
10 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Cashback rate: 2.5%
The value of 1 reward point = INR 0.25.
2 reward points on spending Rs. 100 on all other categories. General cashback rate: 0.50%.
Condition
Second year onwards Nil.
Annual Fee
(Second year onwards): Nil
Yes Prosperity Edge Credit Card
YES Bank mid‑tier card with enhanced earn on popular categories.
Fee waivers and surcharge relief make it practical.
Cashback Rate
1 Reward Point = INR 0.25.
Users will get 8 reward points for every INR 200 on travel & dining spends (Capped at 1,500 reward points per statement cycle), a cashback rate of 1%.
4 reward points for every INR 200 on all categories. Effective cashback rate is 0.5%.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
Nil.
Paytm HDFC Bank Mobile Credit Card
Digital‑first Paytm variant tuned for recharges and in‑app transactions.
A handy everyday card if most payments run through Paytm.
Cashback Rate
Users will get 2% cashback onpurchases on the Paytm app [Mall + Movies + Mini App]. Maximum cashback is capped at INR 500 per month.
1% cashback on all other spending on the Paytm app. Maximum cashback is capped at INR 250 per month.
0.5% cashback on all other retail spend. Maximum cashback is capped at INR 500 per month.
Condition
Annual Membership Fee Rs. 149 + GST First Year Fee waived upon spending Rs. 1,000 (Non-EMI spends) within the first 30 days. Monthly Membership Fee: Rs. 29 + GST. Monthly Fee waived off on retail spends of Rs.5,000 in a month (Non-EMI
Annual Fee
Annual Membership Fee Rs. 149 + GST First Year Fee waived upon spending Rs. 1,000 (Non-EMI spends) within the first 30 days. Monthly Membership Fee: Rs. 29 + GST. Monthly Fee waived off on retail spends of Rs.5,000 in a month (Non-EMI
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Kotak Mojo Platinum Credit Card
Online‑shopping‑tilted card with accelerated points on e‑commerce.
Milestone benefits and simple redemption make it easy to keep.
Cashback Rate
1 RP = 0.40 Paisa.
Customers will get 5 Mojo points for every Rs.100 they spend on all KayMall spends, cashback rate: of 2%,
2.5 Mojo points for every Rs.100 on other online spends, cashback rate of 1%.
1 Mojo point for every Rs.100 on all other spends, cashback rate of 04%.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
INR 500.
RBL Bank Bankbazaar Savemax Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
1 RBL reward point is Rs 0.25.
Users will get 1 reward point whenever they spend INR 100, and users will get 5x reward points on all grocery spending.
10% cashback when spending on Zomato and BookMyShow, up to INR 100 every month.General cashback rate: 0.25%.Grocery cashback rate: 2.5%.
Condition
No condition.
Annual Fee
Annual membership Fees: Nil
HDFC Bank Moneyback Plus Credit Card
HDFC’s popular starter card with boosted earn on partner platforms and PayZapp.
Fee waivers on spend milestones and easy statement credit redemption.
Cashback Rate
Users will get 10 CashPoints on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy. Special cashback percentage: 2.5% (Cashback capped at INR 625 per month).
Value of 1 reward point = INR 0.25.
5 CashPoints on EMI spends at partner merchant locations, EMI cashback rate: 1.25% (Cashback capped at INR 625 per month).
2 cashback points on all other spends, general cashback rate: 0.33%.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
INR 500
Standard Chartered Smart Credit Card
Straightforward cashback: higher on online spends, simple elsewhere with clear caps.
Includes easy EMI options and transparent terms.
Cashback Rate
2% cashback flat on online spends.
1% cashback on all other spends.
Condition
Annual fee waived on spending INR 1.2 lakh in a year
Annual Fee
INR 499 + Gst, waived on spending INR 1.2 Lakh in a year
ICICI Bank Manchester United Platinum Credit Card
Club‑themed ICICI card with fan privileges and lifestyle rewards.
Suited to Man United supporters seeking everyday points plus football perks.
Cashback Rate
Users will get 2 ICICI Bank reward points INR 100 on all domestic transactions.
Value of 1 reward point = INR 0.25. General cashback rate = 0.50%.
2 reward points per INR 100 spends on international spends. International cashback rate = 0.50%
3 points on all spends during Manchester United on match days. Effective match day cashback rate: 0.75%.
Condition
Annual fee waived on spending INR 1.25 lakh in a year
Annual Fee
of Rs 499 + taxes from the second year onwards | The annual fee is waived if the user spent more than Rs 1,25,000 in the previous year.
ICICI Bank Expressions Credit Card
Custom‑design ICICI card that blends personal style with standard rewards.
Lets you personalise the plastic while earning on daily spends.
Cashback Rate
Users will earn 3 ICICI reward points per Rs. 100 spent on your card (except fuel).
1 ICICI rewards point per Rs. 100 spent. Generally, 1 point is worth Rs. 0.25 to Rs. 0.40 for vouchers, merchandise, or gift cards. Effective cashback rate: 0.75% to 1.2%.
3 PAYBACK points per Rs. 100 spent on retail shopping (except fuel). 1 PAYBACK point per Rs. 100 spent on utilities and insurance.
Condition
Annual fee waived on spending INR 1.5 lakh in a year
Annual Fee
INR 499 + GST in the second year onwards; Waived off if you spend more than ₹1,50,000 in the previous year.
ICICI Parakram 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 5 reward points per INR 100 spent at grocery stores, department stores and Canteen Store Departments (CSDs). Value of 1 reward point = INR 0.25. Cashback rate: 1.25%.
1 reward point on spend of Rs. 100 on all other categories. General cashback rate: 0.25%.
Condition
(Second year onwards): Nil
Annual Fee
(Second year onwards): Nil
Kotak Zen Signature Credit Card
Kotak’s lifestyle signature card balancing shopping rewards with milestone travel perks.
Fuel waivers and signature‑tier privileges add polish.
Cashback Rate
Users will get 10 Zen points for every INR 150 spent on apparels, lifestyle goods, departmental stores and jewellery.
Value of 1 Zen point = INR 0.25. Shopping cashback rate: 1.6%.
5 Zen points on all other spends of INR 150. General cashback rate: 0.8%.
Condition
Annual fee waived on spending INR 1.5 lakh in a year
Annual Fee
INR 1,500 + GST.
RBL Bank Insignia Preferred Banking Card
RBL Insignia is tailored for preferred banking clients with curated privileges.
Higher limits, concierge and milestone rewards uplift the experience.
Cashback Rate
Users will get 5 reward points for every Rs.100 spent on domestic transactions and 10 reward points for every Rs.100 spent internationally.
1 RP= 0.30 paisa. Effective cashback rates: 1.5% domestically, and 3% internationally.
Condition
No condition.
Annual Fee
Annual membership Fees:Nil
HSBC Visa Platinum Credit Card
Zero‑annual‑fee proposition with everyday rewards and welcome offers.
International issuer support and app tools for easy management.
Cashback Rate
The cardholder will earn 2 reward points for every purchase of 150 on the credit card. These reward points can be redeemed for vouchers or Airmiles.
Cardholders will get 5X reward points on any purchase made after spending Rs 4,00,000, subject to a maximum cap of 15,000 accelerated reward points in an anniversary year.
Condition
No condition.
Annual Fee
NIL
HDFC Bank Business Regalia First Credit Card
Travel‑leaning business card with lounge, concierge and strong acceptance.
Useful for self‑employed frequent fliers managing client expenses.
Cashback Rate
Users will get 3 reward points for every Rs. 150 spent. 1 RP = 0.30 paisa. Effective cashback rate: 0.60%.
5% cashback on Telecom, Electricity, Government/Tax, Railway, Hotels & Dining, and Taxi with a maximum cashback of Rs.500 per statement on minimum monthly spends of Rs. 15,000.
Condition
Annual fee waived on spending INR 1 lakh in a year
Annual Fee
Rs. 1000/-
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