Best Lifetime Free Credit Cards
Enjoy reward structures and benefits without paying any joining or annual card fees ever.
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How We Rank Cards
CardCompare India ranks credit cards independently based on fee-to-benefit ratios, reward yields, milestone waivers, lounge access, and user accessibility. We do not accept advertising payments to alter list positions.
ICICI Bank
ICICI Amazon Pay
Cardmember
CARD COMPARE MEMBER
ICICI Bank
ICICI Amazon Pay Credit Card
Rewards: 5% cashback for Amazon Prime members on Amazon India spends. 3% cashback for non-prime members on Amazon India. 2% on Amazon Pay partner merchants (flights, insurance, bill payments). 1% on other general spends.
Lounge Access: No complimentary airport lounge access benefits.
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IDFC FIRST Bank
IDFC FIRST Millennia
Cardmember
CARD COMPARE MEMBER
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Rewards: 3X reward points on offline spends. 6X reward points on online spends. 10X reward points on incremental spends above ₹20,000 per month. 10X rewards on birthday spends. (1X = 1 point per ₹150 spent. Point value = ₹0.25).
Lounge Access: 4 complimentary domestic airport lounge visits per calendar year, subject to monthly card spends of ₹20,000+.
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AU Small Finance Bank
AU LIT
Cardmember
CARD COMPARE MEMBER
AU Small Finance Bank
AU Bank LIT Credit Card
Rewards: Base reward rate of 1 Reward Point per ₹100 spent. Boost reward rates by activating subscription modules: e.g., 5% cashback on groceries/dining, 10X points on online spends.
Lounge Access: Customizable. Add complimentary domestic lounge access visits for specific quarters through a subscription fee.
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