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.
Indusind Samman RuPay Credit Card
IndusInd Samman delivers inclusive domestic acceptance with RuPay benefits.
Straightforward rewards and compatibility with UPI rails.
Cashback Rate
Users will get 1% cashback on all spends.
Max cashback capped at INR 200.
Condition
Annual fee waived on spending INR 0.75 lakh in a year
Annual Fee
INR 199 (Annual fee will be levied if Rs 75,000 spends are not met in the card anniversary year).
Bank of Baroda EASY Credit Card
Beginner‑friendly BoB EASY with rewards on essentials and fee relief on spend.
A straightforward way to build credit while saving.
Cashback Rate
1RP = INR 0.2
Users will get 1 reward point for every Rs. 100 spent on other categories.
General cashback rate: 0.2%
Cardholders will get 5X i.e. 5 reward points for every Rs. 100 spent on departmental stores, movie spends.
Special cashback rate = 1%.
Condition
No condition.
Annual Fee
Nil
PNB Rupay Select Card
PNB RuPay Select brings domestic‑first perks under RuPay acceptance.
Good for users who prioritise Indian network rails.
Cashback Rate
User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
Condition
NIL ( if card is used one in a quarter)
Annual Fee
NIL ( if card is used one in a quarter)
Shaurya SBI 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 point = INR 0.25.
5 point on spend of every INR 100 on CSD, dining, movies, departmental stores and grocery.Effective cashback rate: 1.25%.
1 reward points on all other spends per INR 100. Effective general cashback rate: 0.25%.
Condition
Annual fee waived on spending INR 0.5 lakh in a year
Annual Fee
INR 250 + Taxes.
RBL Bank Platinum Delight Credit Card
RBL Platinum Delight accelerates rewards on weekend/monthly spends.
Plan purchases to hit bonuses and maximise value.
Cashback Rate
Users will earn 2 reward points for every INR 100 spent on all their purchases and 4 reward points for every INR 100 spent during the weekends.
Value of 1 reward point = INR 0.25.
General Cashback Rate = 0.5%.
Weekend Cashback Rate: 1%.
Condition
Annual fee waived on spends of INR 2 Lakh in a year.
Annual Fee
Second year onwards - INR 2000
AU Bank InstaPay Credit Card
Digital‑onboarded AU InstaPay with app control and contactless support.
Handy for frequent online payments and utilities.
Cashback Rate
Users will get 1% cashback on UPI transactions across departmental stores, dining, pharmacy, and grocery & supermarkets. (Maximum INR 100 cashback per statement cycle).
Condition
No condition.
Annual Fee
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ICICI Bank Instant Platinum Credit Card
ICICI Instant Platinum can be fixed‑deposit backed for easy issuance.
Earn basic rewards while you build your credit history.
Cashback Rate
Users will get 2 reward points on spending INR 100.
Value of 1 reward point = INR 0.50.
General Cashback Rate: 1%.
Condition
(Second year onwards): INR 0
Annual Fee
(Second year onwards): INR 0
Axis Bank Freecharge Plus Credit Card
Pairs with Freecharge for wallet, bill and recharge savings.
Best for users transacting heavily in the Freecharge app.
Cashback Rate
Users will get 5% cashback on Freecharge spends
2% cashback on local commute, 1% cashback on all other spends
5% cashback on all spends made on the Freecharge app or website.
1% cashback on other spends.
Condition
Annual fee waived on spends of INR 0.5 Lakh in a year.
Annual Fee
1st year : NIL 2nd year : INR 350. Annual Fee waived off on annual spends greater than INR 50,000.
Yes Bank Finbooster Credit Card
YES Bank’s credit‑building card with insights and steady rewards on daily spends.
Good for improving your credit profile while saving on bills.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 5X reward points on online dining spending.
Dining Cashback Rate: 1.25%.
3X reward points on online grocery and online apparel spending.
Gocery Cashback Rate: 0.75%.
2 reward points per INR 200 on all other retail spends (except fuel spends).
General Cashback Rate: 0.25%.
Condition
No condition.
Annual Fee
Joining/Annual Membership fees: NIL
Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
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Value of 1 RP = 0.5 paisa.
Users will earn 2.5 reward points for every INR 100 spent on e-commerce transactions.
E-Commerce Cashback Rate: 1.25%.
User will earn 1 reward point on all other sales transactions.
General Cashback Rate: 0.5%
Condition
No condition.
Annual Fee
Joining and Annual Fees: NIL .
Yes Prosperity Reward Credit Card
YES Bank entry‑level rewards across groceries, fuel and utilities.
Value option with simple redemption rules.
Cashback Rate
1 Reward Point = INR 0.25.
Users will get 4 reward points for every INR 200 on travel & dining spends,
Travel Dining Cashback Rate 0.5%.
2 reward points for every INR 200 on all categories.
General Cashback Rate: 0.25%.
Condition
Annual fee waived on spends of INR 0.25 Lakh in a year.
Annual Fee
Rs 399 plus taxes .
Bobcard Select
Bobcard portfolio offering balanced rewards and simple redemptions.
Backed by BoB Financial for wide acceptability.
Cashback Rate
1RP = INR 0.2
Users will earn 5 reward points for every Rs 100 spent on dining and online spending.
Dining + Online Cashback Rate: 1%.
1 reward point for every Rs. 100 spent on other categories.
General Cashback Rate: 0.20%
Condition
INR 750, waived if card is used at least once in each quarter in the preceding year.
Annual Fee
INR 750, waived if card is used at least once in each quarter in the preceding year.
HDFC Bank Business Gold Credit Card
HDFC business series card supporting MSME spends on travel, fuel and utilities.
Expense controls and fee waivers keep ownership costs low.
Cashback Rate
The value of 1 reward point = Rs 1.
The users will get 1 reward point for every INR 150 spent.
General cashback rate: 0.66%.
Cardholders will get 1% off on bookin tickets of domestic airlines.
Airline Cashback Rate: 1%.
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
INR 199, which can be waived if you spend INR 50,000 in a year.
HDFC Bank Biz First Credit Card
HDFC business series card supporting MSME spends on travel, fuel and utilities.
Expense controls and fee waivers keep ownership costs low.
Cashback Rate
3% cash points on EMI Spends, maximum 1,000 cash points/calendar month.
1 cash point = INR 0.15
EMI Cashback Rate: 0.45%.
2% cash points on utility bills, electronics, smartpay & payzapp transactions, a maximum of 500 cash points/calendar month.
Electronic And Transaction Cashback Rate: 0.3%.
1% cash points on all other spends including UPI spends, including GST payment, income tax, advance tax, maximum 500 cash points/calendar month.
General Cashback Rate: 0.15%.
A minimum of 2500 cash points is needed to redeem cash points against the statement balance. A maximum of 15,000 cash points can be earned in a statement cycle.
Get business insurance package at discounted annual premium of INR 3,785.
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
INR 500/- plus taxes.
Dhanlakshmi Platinum 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 RP= INR 0.05.
Users will get 2 reward point for every INR 100 spent on all eligible purchases.
General cashback rate: 0.1%.
Cardholders get 5% cashback on dining, supermarkets, and departmental stores.
Special cashback rate: 5%.
Condition
No condition.
Annual Fee
Nil
RBL Bank Paisabazaar Duet Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
1% cashback on all online and POS Transactions (except Fuel purchases, wallet loading transactions, rental transactions, and credit-line/loan transactions).
General Cashback Rate: 1%
Condition
No condition.
Annual Fee
Annual membership Fees: NIL
SIB 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 = INR 0.10.
Users will get 2 reward points for every INR 100 spent on fuel, dining, and travel.
Fuel+ Cashback Rate: 0.2%
User will get 1 reward point for every INR 100 spent on other purchases.
General Cashback Rate: 0.1%.
Cardholders will get 5x reward points on top two categories of spends such as travel, groceries, entetainment each month.
Special Cashback Rate: 1%.
Condition
No condition.
Annual Fee
Nil
Federal Bank Mastercard Signet
Federal Mastercard Signet offers premium‑lite lifestyle and travel rewards.
A solid step‑up from entry cards with good acceptance.
Cashback Rate
The value of 1 reward point = INR. 0.25.
Users will get 1 reward point on a spend of INR 100.
General cashback rate: 0.25%.
3x rewards on spending for the Electronics & Apparel categories.
Electronic And Apparel Cashback Rate: 0.75%.
2x rewards on the Entertainment category.
Entertainment Cashback Rate: 0.50%.
Condition
No condition.
Annual Fee
Nil
HDFC Pixel Go Credit Card
Simple, steady cashback for digital‑first users who want fuss‑free earnings.
Works well for online, tap‑and‑pay and everyday purchases.
Cashback Rate
Reward System: 1% unlimited cashback on all eligible transactions excluding fuel, wallet recharge, etc.
5% cashback on Smartbuy.
1% cashback on all UPI transactions (for the Rupay Variant).
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
INR 250
RBL Bank Lazy Pay Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
1% cashback on all online and retail transactions except fuel (capped at INR 500 per month).
Condition
No Condition
Annual Fee
Annual membership Fees: NIL.
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