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.
CITI Rewards Credit Card
Citi’s evergreen rewards card for shopping and dining with easy voucher redemptions.
A long‑time favourite for predictable points earnings.
Cashback Rate
1 RP INR 0.35.
Users will earn 1 reward point for every Rs. 100 spent on all transactions. Cashback rate: 0.35%.
5 reward points per Rs. 100 spent on departmental stores, supermarkets, and fuel. Cashback rate: 1.75%.
3 reward points per Rs. 100 spent on dining and bill payments. Cashback rate: 1.05%.
Condition
Annual fee waived on spends of INR 0.3 Lakh
Annual Fee
INR1000, but it is waived if you spend Rs.30,000 or more in a membership year.
Standard Chartered Rewards Credit Card
Points‑heavy SC card with boosted earn on retail categories.
Pairs quarterly lounge and surcharge benefits for a rounded package.
Cashback Rate
Value of 1 reward point = INR 0.30.
Users will get 4 rewards on all retail spends per INR 150 spent on credit card. Cashback rate: 0.8%.
1 reward point for every INR 150 spent on government and insurance categories.Govt cashback rate: INR 0.3%.
Special cashback rate above 20,000: 1.6%.
Condition
Annual fee waived on spends of INR 1.5 Lakh
Annual Fee
s: INR 1000 + GST
ICICI Bank Coral Credit Card
Balanced lifestyle card with movie offers, lounge access and everyday rewards.
A proven pick for urban families seeking entertainment perks.
Cashback Rate
The value of 1 reward point for ICICI Bank Coral credit card is INR 0.25.
Users will earn 2 reward points on every INR 100 spent on their card (except fuel),
General Cashback Rate: 0.50%.
Users will earn 1 reward point on every INR 100 spent on utilities and insurance categories.
Utility Insurance Cashback Rate: 0.25%.
Condition
Annual fee waived on spends of INR 1.5 Lakh
Annual Fee
Rs 500+GST
Federal Bank Visa Imperio
Federal Visa Imperio provides elevated privileges at a sensible fee.
Good fit for those moving beyond starter cards.
Cashback Rate
The value of 1 reward point = INR 0.25.
Users will get 1 reward point for spending INR 100.
General Cashback Rate: 0.25%
Cardholder will get 3x reward points on spending on health Care and grocery categories.
Healthcard And Grocery Cashback rate: 0.75%.
Cardholder will get 2x rewards on spending for Utility categories (like bill payments for electricity, gas, mobile etc).
Utility Cashback Rate: 0.50%
Condition
No condition.
Annual Fee
Annual membership fee: INR 0.
HDFC Bank World Mastercard Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
Customers will get 2 reward points for every INR 150.
Cashback rate: 0.4%.
If the cardholders spends more than INR 75,000, 50% additional cashback will be provided.
Special Cashback Rate: 0.6%
Condition
Annual fee waived on spends of INR 0.75 Lakh
Annual Fee
Rs. 2,500/- + Applicable Taxes.
Federal Bank Visa Celesta
Federal Visa Celesta is a premium‑tier variant with concierge‑grade benefits.
Best for affluent users seeking curated lifestyle perks.
Cashback Rate
1 Federal Reward Point = INR 0.25.
You will get 1 reward point on a spend of INR 100.
General Cashback Rate: 0.25%
3x rewards on spending for travel and international categories.
Travel And International Cashback Rate: 0.75%.
2x rewards on spending for dining categories,
Dining Cashback rate: 0.50%.
Condition
No condition.
Annual Fee
Annual membership fee: INR 0.
Kotak 811 Dream Different Credit Card
Pairs with Kotak 811 banking for quick onboarding and first‑credit build.
Great starter card for students and young professionals.
Cashback Rate
Customers will get 2 reward points for every Rs. 100 spent on online transactions, and 1 reward point for every Rs. 100 spent on all other transactions.
1 reward point = INR 0.25
Online Cashback Rate: 0.5%
General Cashback Rate: 0.25%.
Condition
No condition.
Annual Fee
NIL
IDBI Royale Signature Credit Card
Signature‑tier IDBI card with lifestyle privileges and lounge benefits.
A practical upgrade for families seeking better perks.
Cashback Rate
The value of 1 Delight Point = 0.25 Paisa.
Users will get 3 points for every Rs. 100 spent.
General Cashback Rate: 0.75%.
Condition
No condition.
Annual Fee
Nil
PNB RuPay Platinum Credit Card
PNB RuPay Platinum provides domestic rewards with UPI‑linked convenience.
Low ownership costs with sensible fee waivers.
Cashback Rate
Users will get 1 reward point per INR 100 spent.
The value of 1RP= INR 0.50.
Effective Cashback Rate= 0.5%.
Condition
No annual and joining fee ( if card is used one in a quarter)
Annual Fee
Nil
RBL Bank Mocash 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 = Rs 0.30..
Users will get 1 reward point for every INR 100 spent. General cashback rate: 0.3%.
Users will get 2 reward points for every INR 100 spent online.Online cashback rate: 0.6%.
Condition
Annual fee waived on spends of INR 1 Lakh
Annual Fee
500 + GST
Axis Bank Platinum Credit Card
Axis Platinum is a classic rewards card for daily shopping and bills.
Surcharge waivers and milestone fee relief keep costs in check.
Cashback Rate
Reward System: Users will get 3 Edge reward points on spending INR 100 domestically and 6 Edge reward points on spending INR 100 internationally.
Value of 1 Edge point: INR 0.20.
Domestic cashback rate: 0.6%.
International cashback rate 1.2%..
Condition
Annual fee waived on spends of INR 1 Lakh
Annual Fee
From 2nd year: Rs. 200 (Waived on spends of Rs. 1,00,000 in the preceding year), for cards set up on or after February 07, 2011.
Axis Bank Pride Signature Credit Card
Axis Pride Signature caters to PSU/government salary segments with lifestyle rewards.
Practical perks like fuel surcharge waiver and milestone fee relief.
Cashback Rate
Users will earn 4 Edge reward points on spending INR 100.
Value of 1 Edge point: INR 0.20. Cashback rate: 0.8%.
Condition
Annual fee waived on spends of INR 0.4 Lakh from second year onwards.
Annual Fee
1st Year: Nil
Axis Bank My Wings Credit Card
Travel‑friendly Axis card with savings on air bookings and fuel surcharge waiver.
Family‑oriented value for frequent domestic travel.
Cashback Rate
Users will get 2 Edge reward point on spending INR 100 domestically.
Value of 1 Edge point: INR 0.20. Domestic cashback rate: 0.4%.
Condition
Second year onwards the annual fee is Nil.
Annual Fee
INR 500
Standard Chartered Platinum Rewards Credit Card
Accelerates points on dining and fuel with a simple earn grid.
Periodic fee waivers keep ownership costs in check.
Cashback Rate
5 reward points on spending INR 150 on fuel and dining.
Value of 1 reward points = INR 0.25.
Dining And Fuel Cashback Rate = 0.83%.
1 reward point on spending INR 150 on all other categories.
General Cashback Rate = 0.17%.
Condition
No condition.
Annual Fee
Joining and Annual Fees:NIL
CSC Small Business MoneyBack Credit Card
Versatile card with rewards across shopping, travel and dining.
Designed to keep ownership costs low with practical, everyday benefits.
Cashback Rate
100 reward points = INR 20 ( 1 Rp = INR 0.2).
Users will earn 4 reward points on online spending for every INR150 spent. Effective cashback rate: 0.53%.
Users will earn 2 reward points on all other expenses except fuel for every INR 150 spent. Effective cashback rate: 0.26%.
Users will get 5% cashback on telecom, utility, govt. & tax payments. Users can avail a maximum cashback of Rs.250 per statement on monthly spends of INR 10,000.
Condition
Annual fee waived on spends of INR 0.25 Lakh
Annual Fee
INR 250/- plus taxes.
KVB Platinum Credit Card
KVB Platinum provides essential lifestyle rewards with Karur Vysya service.
Reliable acceptance and straightforward fee waivers.
Cashback Rate
Users will earn 2 reward points for every Rs 150 spent.
The value of 1 reward point is INR 0.25.
General Cashback Rate: 0.16%.
Users will earn 1.5x rewards on restaurants, medical, books, insurance, rail tickets, movie tickets & car rentals.
Special Cashback Rate: 0.5%.
2x rewards on domestic and international travels, hotels and air tickets, an effective cashback rate: 0.66%.
Condition
Annual fee waived on spends of INR 1 Lakh
Annual Fee
Rs.599.00/card
Axis Bank Pride Platinum Credit Card
Axis Pride Platinum addresses government/PSU customers with everyday rewards.
Sensible fuel and surcharge benefits for salaried users.
Cashback Rate
Users will earn 2 Edge reward points on spending INR 100.
Value of 1 Edge point: INR 0.20. Cashback rate: 0.4%.
15% discount at 200 partnered restaurants across the country.
Condition
Annual fee waived on spends of INR 0.2 Lakh
Annual Fee
1 st Year: Nil. 2nd Year onwards: Rs. 250 (Waived on spends of Rs. 20,000 in the preceding year).
Indusind Eazydiner Platinum Credit Card
Dining specialist providing instant discounts and easy table reservations via EazyDiner.
Perfect for regular restaurant outings with family and friends.
Cashback Rate
Get 2 points on spending INR 100 except on fuel, insurance, rent, utility and government. Value of 1 point = INR 0.20. General cashback rate: 0.4%.
Get 0.7 reward points on insurance, rent, utility and government spends. Special cashback rate: 0.14%.
Users will get 20% off upto INR 500 when you eat out & pay through the EazyDiner app. This offer is valid on food delivery as well. This feature can be used three times a month.
Condition
No condition.
Annual Fee
INR 0
IndusInd Bank Platinum RuPay Credit Card
Domestic‑first IndusInd RuPay variant with UPI compatibility and local offers.
A practical choice if you prefer Indian network rails.
Cashback Rate
Get 2 reward points on every INR 100 spent on UPI transactions.
Value of 1 reward point is INR 0.35.
UPI cashback rate: 0.70%.
Get 1 reward points on every INR 100 spent on non-UPI transactions.
Non-UPI cashback rate: 0.35%.
Condition
No condition.
Annual Fee
INR 0
Kotak 811 Credit Card
Instant issuance linked to Kotak 811 accounts with simple rewards on daily spends.
Ideal for new‑to‑credit users building a score.
Cashback Rate
Customers will get 2 reward points per INR 100 on online spending and 1 reward point per INR 100 on offline spending.
1 RP = INR 0.25.
Online Cashback Rate: 0.5%,
General Cashback Rate: 0.25%.
Condition
Annual fee waived on spends of INR 0.5 Lakh
Annual Fee
Annual Fees: Rs. 500
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