Lifetime free credit cards
Cards with no annual fee for as long as you hold them, and usually no joining fee.
5 lifetime free cards listed on CardSetu, sorted by annual fee then minimum income.
Who this category suits
A first card, a backup card, or anyone who does not want to track a fee waiver. Rewards and lounge access are typically lighter than on paid cards.
- Lowest annual fee in this list
- ICICI Shopper Rewards · Lifetime free
- Lowest minimum income in this list
- ICICI Shopper Rewards · ₹25K/month
Lifetime Free cards on CardSetu
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹25K/mo
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹25K/mo
3. AU Small Finance Bank
AU Switch
Lifetime free
Lounge: 2 domestic lounge visits a quarter when travel feature is enabled
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹30K/mo
4. IDFC FIRST Bank
IDFC FIRST Prestige
Lifetime free with no spend condition
Lounge: 4 domestic lounge visits per quarter (spend-linked)
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹50K/mo
- Annual fee
- Lifetime free
- Joining fee
- None
- Min. income
- ₹60K/mo
Figures describe the cards currently listed on CardSetu, not the whole Indian market. Fees and benefits are indicative; verify with the issuer.