Best 7 Lifetime Free Credit Cards in India (November 2026)
Credit cards with no joining fee and no annual fee – ever. Good as a first card, a backup card or for UPI spends. Picked from HSBC, IDFC FIRST, IndusInd, Uni, Scapia, PopClub and Zet. Always check the bank's latest terms before applying.
Quick list
| # | Product | Best for | Price | |
|---|---|---|---|---|
| 1 | HSBC Platinum Credit Card (Lifetime Free) – Apply Online | First-time card users and anyone who wants a lifetime-free … | Free / see offer | Apply now |
| 2 | IDFC FIRST Bank Credit Card (Lifetime Free) – Apply Online | Everyday spenders who want rewards that never expire, with … | Free / see offer | Apply now |
| 3 | IndusInd Bank Tiger Credit Card – Apply Online | Salaried users who want a no-fee card with rewards on daily… | Free / see offer | Apply now |
| 4 | Uni GoldX Credit Card – Apply Online | UPI users who want a free RuPay card that earns rewards on … | Free / see offer | Apply now |
| 5 | Scapia Federal Bank Credit Card – Apply Online | Travellers who want zero forex markup and travel rewards wi… | Free / see offer | Apply now |
| 6 | PopClub Credit Card – Apply Online | Young shoppers who pay by UPI and want rewards on daily spe… | Free / see offer | Apply now |
| 7 | Zet SBM Bank FD RuPay Credit Card - Apply online - Referral Code | First-time card users, students and anyone building or rebu… | Free / see offer | Apply now |
How we picked
We shortlist products with good ratings and value for money at their price, prefer trusted brands and products we have tried or shown in our videos, and remove duplicates so each pick is a different product. Prices are checked automatically every day – the price on the store is always final.
1 HSBC Platinum Credit Card (Lifetime Free) – Apply Online
on Others
HSBC Platinum Credit Card (Lifetime Free) – apply online through our link. Key features: Lifetime free – no joining or annual fee; Rewards on spends; International bank card.
Fees, offers and eligibility are set by the bank and can change – check the latest terms on the application page before you apply.
Best for: First-time card users and anyone who wants a lifetime-free backup card
2 IDFC FIRST Bank Credit Card (Lifetime Free) – Apply Online
on Others
IDFC FIRST Bank Credit Card (Lifetime Free) – apply online through our link. Key features: Lifetime free – no joining or annual fee; Up to 10X reward points; Reward points that don't expire.
Fees, offers and eligibility are set by the bank and can change – check the latest terms on the application page before you apply.
Best for: Everyday spenders who want rewards that never expire, with zero annual fee
3 IndusInd Bank Tiger Credit Card – Apply Online
on Others
IndusInd's Tiger card comes with complimentary airport lounge access, a complimentary movie ticket and fuel surcharge waiver. Fast, 100% online processing.
Benefits, fees and eligibility are decided by the bank and can change – please check the latest terms on the application page before applying. Approval is at the bank's discretion.
Best for: Salaried users who want a no-fee card with rewards on daily spends
4 Uni GoldX Credit Card – Apply Online
on Others
Uni GoldX Credit Card – apply online through our link. Key features: Free RuPay credit card; Unlimited rewards on spends; Use it on UPI.
Fees, offers and eligibility are set by the bank and can change – check the latest terms on the application page before you apply.
Best for: UPI users who want a free RuPay card that earns rewards on everyday payments
5 Scapia Federal Bank Credit Card – Apply Online
on Others
A travel card with no joining or annual fees. Get 10% rewards on every spend (redeemable for travel), unlimited lounge access across India and zero forex markup on international spends. Apply fully digitally through the Scapia app in minutes.
Benefits, fees and eligibility are decided by the bank and can change – please check the latest terms on the application page before applying. Approval is at the bank's discretion.
Best for: Travellers who want zero forex markup and travel rewards with no annual fee
6 PopClub Credit Card – Apply Online
on Others
A lifestyle card that earns POPcoins: up to 500 as a welcome benefit and up to 10 per transaction. Extras include free cancellation/rescheduling on Cleartrip, free Rapido rides, Zomato Gold mini, free Blinkit deliveries, PharmEasy Plus, Cult Sport vouchers and fuel surcharge waivers.
Benefits, fees and eligibility are decided by the bank and can change – please check the latest terms on the application page before applying. Approval is at the bank's discretion.
Best for: Young shoppers who pay by UPI and want rewards on daily spends
7 Zet SBM Bank FD RuPay Credit Card - Apply online - Referral Code
on Others
A secured credit card issued against a fixed deposit – one of the easiest ways to get a credit card if you have no credit history or a low CIBIL score. Your FD keeps earning interest, and paying the card bill on time helps build your credit score.
Best for: First-time card users, students and anyone building or rebuilding credit with an FD-backed card
Buying guide: what to look for
Check the basics
Compare price, warranty, return policy and the latest reviews before buying.
Brand and service
Well-known brands usually offer easier service and replacements in India.
Price history
Prices change often during sales. Our prices are refreshed daily – the final price is always shown on the store.
Frequently asked questions
Which is the best lifetime Free Credit Cards?
Our top pick right now is the HSBC Platinum Credit Card (Lifetime Free) – Apply Online at , best for first-time card users and anyone who wants a lifetime-free backup card. See the full list above for alternatives at different prices.
Which is the cheapest option in this list?
The HSBC Platinum Credit Card (Lifetime Free) – Apply Online is the most affordable pick at (price checked 2 Nov 2026).
How often is this list updated?
Prices are refreshed automatically every day and the ranking updates when products, prices or stock change. Last update: 2 Nov 2026.
Do I pay more if I buy through these links?
No – you pay the same price as on the store. We may earn a small commission, which supports our free videos and reviews.
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