Permanent or promotional
Confirm whether lifetime-free is a standard product term or a limited-period acquisition offer.
Decision framework
Use the category to frame the question—not to declare a winner.
Cards with no standard joining/annual fee under the reviewed fee schedule; other charges can still apply. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
Other charges remain
LTF removes the standard annual fee, not interest, late-payment, cash-advance, forex or other transaction charges.
Opportunity cost
A paid card can still be better when its incremental rewards exceed the fee for your actual spend.
Keep it simple
A fee-free card is most useful when its reward structure matches spending you already do.
Issuer coverage
Which issuer portfolios appear most often here?
This is database coverage only. More published cards does not mean a better issuer, easier approval or stronger customer service.
01Issuer dossierIndusInd Bank5 cards in this category
02Issuer dossierFederal Bank5 cards in this category
03Issuer dossierIDFC FIRST Bank4 cards in this category
04Issuer dossierICICI Bank2 cards in this category
05Issuer dossierAU Small Finance Bank2 cards in this category
06Issuer dossierKotak Mahindra Bank2 cards in this category
07Issuer dossierPunjab National Bank2 cards in this category
08Issuer dossierRBL Bank1 card in this category
Published card research
Inspect the exact cards behind this category.
Search locally, narrow by issuer or status, and open the full dated card dossier before relying on any fee, reward, lounge or forex term.
23of 23 published records visible
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Millennia Credit Card
A lifetime-free mainstream IDFC FIRST card where the absence of annual fee changes the break-even calculation.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
Rewards3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday under current lifetime-free card guidance.
Lounge4 complimentary railway-lounge visits per quarter under the current lifetime-free card guidance.
Forex3.50% markup under the current IDFC FIRST Bank schedule because Millennia is not listed among the lower-forex exceptions.
Best useUsers who prioritize no annual fee and want a mainstream rewards card.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Select Credit Card
A lifetime-free upper-mid-tier IDFC FIRST card with a published 1.99% foreign-currency markup in the reviewed schedule.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
Rewards3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday.
Lounge2 complimentary domestic airport-lounge visits and 4 railway-lounge visits per quarter, subject to the current ₹20,000 monthly spend qualification for following-month access.
Forex1.99% markup on international transactions under the current Select page and IDFC FIRST Bank fee schedule.
Best useUsers seeking a no-annual-fee card with a stronger premium/travel positioning than basic variants.
4 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST Wealth Credit Card
A no-annual-fee premium card distinguished in the reviewed schedule by a 1.50% forex markup.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
Rewards3X reward points on regular eligible spend and 10X on eligible monthly spend above ₹20,000 and on the cardholder birthday.
Lounge2 complimentary domestic airport lounge/spa visits plus 2 complimentary international lounge visits per quarter, and 4 railway-lounge visits per quarter, subject to current spend conditions.
Forex1.50% markup on international transactions under current IDFC FIRST Bank lifetime-free card guidance and fee schedule.
Best useHigher-tier applicants who want a no-annual-fee premium card and care about international spending costs.
3 first-party sourcesReviewed September 11, 2026
IDFC FIRST Bank · Active
Open dossier IDFC FIRST WOW! Credit Card
A secured, lifetime-free IDFC FIRST card with nil forex markup in the reviewed fee schedule.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
RewardsUp to 4X never-expiring reward points under current FIRST WOW! guidance.
LoungeNo complimentary lounge quota is listed for the standard FIRST WOW! card on the reviewed current lifetime-free card page.
Forex0% / Nil forex markup under the current FIRST WOW! guidance and IDFC FIRST Bank fee schedule.
Best useApplicants considering a secured credit card and users who value zero forex markup on the reviewed schedule.
4 first-party sourcesReviewed September 11, 2026
RBL Bank · Active
Open dossier RBL Bank BankBazaar SaveMax Credit Card
A lifetime-free co-branded card focused on grocery acceleration and basic rewards.
Annual feeNil under the current RBL Bank MITC.
Rewards5X reward points on eligible grocery spends up to the published monthly cap; 1 reward point per ₹100 base on eligible spends
LoungeNo complimentary airport-lounge entitlement is stated on the reviewed current product page or current RBL Bank MITC.
Forex3.50% foreign-currency / dynamic-and-static conversion markup under the current RBL Bank MITC.
Best useFee-sensitive users with regular grocery spend who prefer points over cashback.
3 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier Amazon Pay ICICI Bank Credit Card
A lifetime-free Amazon co-branded card with unlimited merchant-linked rewards, automatic Amazon Pay balance redemption and a 1.99% published forex markup.
Annual feeNil
Rewards5% Amazon Pay rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members; 2% at eligible Amazon Pay partner merchants; 1% on eligible other spends
LoungeNot positioned as an airport-lounge card
Forex1.99% foreign-currency markup on the reviewed issuer page
Best useAmazon-heavy users who want an annual-fee-free card with simple, non-expiring Amazon Pay rewards and a relatively low published forex markup.
2 first-party sourcesReviewed September 11, 2026
ICICI Bank · Active
Open dossier ICICI Bank Platinum Chip Credit Card
A no-frills lifetime-free ICICI Bank card designed around basic rewards, security and fuel-surcharge benefits rather than premium travel perks.
Annual feeNil
RewardsEntry-level ICICI rewards structure; use the current issuer reward schedule for point earning and redemption details
LoungeNot positioned as a lounge-led card
Forex3.5% foreign-currency markup on the reviewed issuer page
Best useFee-sensitive applicants who want a basic ICICI Bank credit card without a standard joining or annual fee.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier AU LIT Credit Card
A customizable lifetime-free AU card where users can selectively pay for quarterly-style reward, cashback and lifestyle features.
Annual feeLifetime-free base card under the reviewed issuer page
RewardsCustomizable proposition with optional features including up to 10X reward points, category cashback, milestone cashback, entertainment memberships and fuel-surcharge waiver
LoungeLounge-related value depends on optional features selected; verify the current LIT feature menu before paying for an add-on
ForexStandard AU fee table lists 3.49% cross-currency markup for LIT; optional feature pricing can alter the proposition, so verify before international use
Best useUsers who value a no-annual-fee base card and are willing to actively choose short-duration paid features instead of accepting a fixed benefits bundle.
3 first-party sourcesReviewed September 11, 2026
AU Small Finance Bank · Active
Open dossier ixigo AU Credit Card
A travel-focused AU/ixigo card combining current lifetime-free promotional pricing, zero forex markup, travel rewards and spend-conditioned lounge access.
Annual feeCurrently offered lifetime-free for a limited period; AU’s broader current card listing publishes ₹999 standard annual/renewal pricing and a ₹1 lakh annual retail-spend waiver when that standard fee applies.
Rewards2.5% rewards on eligible spends, travel discounts through ixigo, 1,000 Reward Points plus 1,000 ixigo Money welcome value, and 5,000 bonus Reward Points at ₹75,000 quarterly spend under reviewed terms
LoungeUp to 8 domestic airport lounge visits annually subject to ₹50,000 preceding-quarter spend, 8 railway lounge visits annually, and 1 international lounge visit annually via Priority Pass
Forex0% forex markup on the reviewed dedicated product page
Best useTravel-heavy users seeking zero forex markup, travel-platform discounts and meaningful lounge access, especially while the lifetime-free offer remains available.
3 first-party sourcesReviewed September 11, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak 811 #DreamDifferent Credit Card
A secured Kotak credit card backed by a term deposit, with no annual fee, a conditional joining fee and a 2% forex markup in the reviewed MITC.
Annual feeNil under the reviewed KFS
RewardsCurrent issuer material lists online-spend reward acceleration plus other eligible-spend rewards; exact promotional earn presentation can vary by offer
LoungeNot positioned as a lounge-led card
Forex2% foreign-currency transaction markup under the reviewed Kotak MITC
Best usePeople building credit through a secured card who want no annual fee and a lower-than-standard Kotak forex markup.
4 first-party sourcesReviewed September 9, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak UPI RuPay Credit Card
A virtual lifetime-free RuPay credit card built around UPI merchant payments and basic rewards, with no joining or annual fee in the reviewed KFS.
Annual feeNil / not applicable under the reviewed KFS
RewardsReviewed Kotak listing advertises 3 reward points per ₹100 on eligible spends, with RuPay credit-card UPI merchant payments supported
LoungeNo core lounge benefit highlighted in the reviewed issuer material
Forex3.5% foreign-currency transaction markup under the reviewed KFS
Best useUsers who want a no-annual-fee virtual RuPay card primarily for UPI merchant payments rather than travel benefits.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Platinum RuPay Credit Card
A lifetime-free RuPay card built around merchant UPI payments, with 2 Reward Points per ₹100 on eligible UPI spend and a comparatively high 3.5% forex markup.
Annual feeNil — lifetime free on the reviewed issuer page
Rewards2 Reward Points per ₹100 on eligible UPI transactions and 1 Reward Point per ₹100 on eligible non-UPI transactions; redemption values and monthly cash-redemption caps apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum RuPay product page
Forex3.5% foreign-currency markup on the reviewed issuer FAQ
Best usePeople who want a no-annual-fee RuPay credit card mainly for merchant UPI payments and straightforward reward earning.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Platinum Visa Credit Card
A lifetime-free mainstream IndusInd rewards card earning 1.5 Reward Points per ₹150 on eligible purchases, with fuel-surcharge and insurance benefits.
Annual feeNil under the reviewed lifetime-free issuer positioning
Rewards1.5 Reward Points per ₹150 on eligible spends; points can be redeemed through issuer reward routes subject to current redemption values
LoungeNot positioned as a lounge-led card in the reviewed current issuer material
ForexSee the current IndusInd Bank MITC before using the card internationally
Best useFee-sensitive users who want a mainstream Visa rewards card with no standard joining or annual fee under the reviewed issuer positioning.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Legend Credit Card
A lifetime-free-positioned rewards card with double weekend earn and 1.8% forex markup; importantly, its airport-lounge benefit was discontinued in March 2025.
Annual feeLifetime-free positioning on the reviewed current issuer range
Rewards1 Reward Point per ₹100 on weekdays and 2 Reward Points per ₹100 on weekends, plus a published annual-spend bonus structure
LoungeThe issuer states lounge access was discontinued effective March 7, 2025
Forex1.8% foreign-currency markup on the reviewed issuer page
Best useUsers who value weekend reward acceleration, movie/fuel benefits and a relatively low 1.8% forex markup more than airport-lounge access.
2 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier IndusInd Bank Tiger Credit Card
A rare lifetime-free premium card combining 1.5% forex markup, domestic/international lounge visits, golf and tiered reward acceleration.
Annual feeNil under the reviewed Tiger MITC
RewardsAccelerated tiered rewards of up to 6 Reward Points per ₹100 on eligible spend; cash-redemption value and caps apply
Lounge2 complimentary domestic lounge visits per quarter and 2 international Priority Pass visits per year on the reviewed issuer page
Forex1.5% foreign-currency markup on the reviewed issuer page
Best useTravel-oriented users who want a lifetime-free premium card with 1.5% forex, limited lounge access, golf and accelerated rewards.
3 first-party sourcesReviewed September 9, 2026
IndusInd Bank · Active
Open dossier EazyDiner IndusInd Bank Platinum Credit Card
A lifetime-free EazyDiner co-brand that trades the richer Signature-tier package for a simpler no-annual-fee dining proposition.
Annual feeNil — lifetime free on the reviewed issuer page
RewardsDiscount-led value with 3 months of EazyDiner Prime, extra dining discount through the EazyDiner payment flow and EazyPoints; current caps and renewal conditions apply
LoungeNo core airport-lounge benefit highlighted on the reviewed Platinum co-brand page
ForexSee the current IndusInd Bank MITC before international use
Best useOccasional-to-regular EazyDiner users who want dining discounts without carrying an annual-fee hurdle.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Signet Credit Card
A currently lifetime-free Federal Bank rewards card with 3-2-1 reward positioning, partner vouchers and advertised lounge access, but a relatively high 3.5% forex markup.
Annual feeNil under the currently reviewed onboarding terms; issuer FAQ describes the lifetime-free offer as limited-period
RewardsFederal Bank currently markets Signet with its 3-2-1 rewards structure plus partner vouchers and dining offers; product-specific caps and redemption value should be rechecked before applying
LoungeComplimentary airport lounge access is advertised on the current issuer listing; current access quota and spend conditions should be confirmed before travel
Forex3.5% foreign-currency markup in the reviewed Federal Bank MITC
Best useFee-sensitive users who want a mainstream Federal Bank rewards card and can use its partner benefits without relying on premium travel economics.
3 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Imperio Credit Card
A currently lifetime-free Federal Bank rewards/lifestyle card with 3-2-1 positioning and advertised lounge access, offset by a 3.5% forex markup.
Annual feeNil under the currently reviewed onboarding terms; current issuer FAQ describes the lifetime-free offer as limited-period
RewardsFederal Bank markets Imperio with its 3-2-1 reward structure, partner vouchers, dining benefits and fuel-surcharge waiver positioning
LoungeComplimentary airport lounge access is advertised on the issuer's current credit-card listing; verify present quota/conditions
Forex3.5% foreign-currency markup in the reviewed Federal Bank MITC
Best useFederal Bank customers seeking a no-standard-fee rewards card with travel and lifestyle benefits but limited need for foreign-currency spending.
3 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Celesta Credit Card
Federal Bank's premium Celesta card combines 3-2-1 rewards, travel/lifestyle benefits and a 2% forex markup under a currently lifetime-free onboarding offer.
Annual feeNil under the currently reviewed onboarding terms; Federal Bank currently describes its credit-card lifetime-free offer as limited-period
RewardsFederal Bank markets Celesta with 3X rewards on travel/international categories, 2X on dining and 1X on other eligible categories, plus lifestyle benefits
LoungeComplimentary airport lounge access is part of the Celesta positioning; current quota and eligibility should be confirmed from latest issuer terms
Forex2% foreign-currency markup in the reviewed Federal Bank MITC
Best useTravel-oriented Federal Bank customers who value lounge access and a lower 2% forex rate compared with the bank's Signet/Imperio tiers.
4 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank RuPay Wave Credit Card
A RuPay UPI floater card linked to an existing Federal Bank credit card and shared credit limit, with virtual issuance designed for merchant UPI use.
Annual fee₹199 + GST in the reviewed KFS
RewardsDesigned primarily as a UPI-enabled RuPay floater card linked to an existing Federal Bank primary credit card; reward treatment follows current issuer programme terms
LoungeNot positioned as a lounge-led product
Forex3.5% foreign-currency markup in the reviewed Federal Bank charge material
Best useExisting Federal Bank credit-card customers who want a RuPay credit-card layer for eligible merchant UPI payments without a separate credit limit.
3 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Scapia Federal Credit Card
A no-annual-fee Federal Bank co-brand built around travel, zero forex markup and spend-unlocked unlimited domestic lounge access.
Annual feeNil in the reviewed Federal Bank MITC
RewardsCurrent Federal Bank terms state 10% rewards on eligible Visa purchases of ₹20+ and 5% on eligible RuPay spends above ₹500, plus 20% rewards on travel purchases made in the Scapia app; rewards convert to Scapia Coins on statement date
LoungeUnlimited domestic lounge access after ₹20,000 total eligible monthly spend under current Federal/Scapia terms; the threshold is aggregated across Visa/RuPay variants for a user holding both.
ForexZero forex markup under the reviewed Federal Bank Scapia terms
Best useTravel-heavy users who want zero forex markup, no annual fee and can naturally meet Scapia's lounge-unlock spend conditions.
6 first-party sourcesReviewed September 11, 2026
Punjab National Bank · Relationship Linked
Open dossier PNB Salary RuPay Platinum Credit Card
A relationship-linked lifetime-free RuPay card for eligible PNB EXCEL salary customers, with UPI, 1 point per ₹100 and 4 domestic plus 1 international lounge visit yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards1 PNB Reward Point per ₹100 on eligible spend
Lounge4 domestic lounge visits per year (1 per quarter) and 1 international lounge visit per year under the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible PNB EXCEL salary-account customers who can use a genuinely no-standard-fee RuPay card with UPI and modest lounge benefits.
4 first-party sourcesReviewed September 9, 2026
Punjab National Bank · Relationship Linked
Open dossier PNB Salary RuPay Select Credit Card
A relationship-linked lifetime-free RuPay Select card with 2 points per ₹150, UPI support and 8 domestic plus 2 international lounge visits yearly.
Annual feeNil while the qualifying PNB salary-account relationship is maintained
Rewards2 PNB Reward Points per ₹150 on eligible spend
Lounge8 domestic lounge visits per year (2 per quarter) and 2 international lounge visits per year on the reviewed issuer page
Forex3.50% foreign-currency markup over the network conversion rate
Best useEligible higher-income PNB salary-account customers who can use a no-standard-fee RuPay Select package with unusually strong lounge frequency for its fee level.
4 first-party sourcesReviewed September 9, 2026
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Maintained head-to-heads
Close comparisons already researched inside Lifetime-Free Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonIDFC FIRST Wealth Credit CardvsIDFC FIRST Select Credit CardCompare →Maintained comparisonIDFC FIRST WOW! Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonICICI Bank Platinum Chip Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonAU LIT Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonixigo AU Credit CardvsIDFC FIRST Wealth Credit CardCompare →Maintained comparisonKotak 811 #DreamDifferent Credit CardvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonKotak 811 #DreamDifferent Credit CardvsIDFC FIRST Millennia Credit CardCompare →Maintained comparisonIndusInd Bank Platinum RuPay Credit CardvsKotak UPI RuPay Credit CardCompare →