Credit cards in India are no longer just for the wealthy. With rising digital adoption, nearly 100 million credit cards are in circulation (RBI, 2024), and the number is growing fast. But there’s one concern many Indians share: annual fees.
That’s why lifetime free credit cards are a smart choice. You get rewards, cashback, and benefits — without paying yearly renewal fees. Here are some of the best options in India for 2025.
HSBC Visa Platinum Credit Card
- Benefits: 10% cashback on dining, groceries, food delivery; 1.5% cashback on other spends; 4 domestic lounge visits per year.
- Pros: Everyday spends = maximum benefit.
- Cons: Cashback capped at ₹1,000/month.
- Best For: First-time cardholders looking for simple cashback.
IDFC First Millennia Credit Card
- Benefits: 10X rewards on weekend spends, 3X rewards on weekdays, free movie tickets, fuel surcharge waiver.
- Pros: High rewards for young earners.
- Cons: Less lounge access compared to premium cards.
- Best For: Young professionals spending on weekends, movies, and fuel.
HDFC Tata Neu Infinity Card
- Benefits: 5% NeuCoins on Tata brands (BigBasket, Croma, Air India, Tata 1mg), complimentary lounge access.
- Pros: Great for Tata ecosystem users.
- Cons: Limited value if you don’t shop on Tata brands.
- Best For: Shoppers loyal to Tata’s ecosystem.
RBL ShopRite Credit Card
- Benefits: 5% cashback on groceries, 10% on movies, plus fuel surcharge waiver.
- Pros: Strong for shopping + entertainment.
- Cons: Low overall credit limit for new applicants.
- Best For: Families and students managing grocery + entertainment budgets.
AU LIT Credit Card
- Benefits: Fully customizable — choose your own reward categories (fuel, shopping, travel, dining).
- Pros: Flexibility unmatched.
- Cons: Takes effort to optimize categories.
- Best For: Users who want control over benefits
Comparison Chart for best lifetime Free Credit Cards
| Credit Card with Link | Key Benefits | Pros | Cons | Best For |
|---|---|---|---|---|
| HSBC Visa Platinum | 10% cashback on dining, groceries & food delivery; 1.5% cashback on other spends; 4 free lounge visits | Great for everyday expenses; strong global brand | Cashback capped at ₹1,000/month | First-time cardholders wanting simple cashback |
| IDFC First Millennia | 10X rewards on weekends, 3X on weekdays; free movie tickets; fuel surcharge waiver | High rewards for weekend spends; good lifestyle perks | Limited lounge access | Young professionals & weekend spenders |
| RBL ShopRite | 5% cashback on groceries, 10% cashback on movies; fuel surcharge waiver | Great for shoppers & entertainment | Low credit limit for beginners | Families & students |
| HDFC Tata Neu Infinity | 5% NeuCoins on Tata brands (BigBasket, Croma, Air India, Tata 1mg); lounge access | Excellent for Tata ecosystem users | Limited value outside Tata brands | Tata loyalists & frequent shoppers |
| AU LIT Credit Card | Fully customisable rewards categories (fuel, travel, shopping, dining) | Flexibility unmatched | Requires effort to maximise benefits | Users who want control & customisation |
Why Lifetime Free Cards Make Sense
- No annual fees = zero downside.
- Perfect for building credit scores safely.
- Great for students, first-jobbers, or anyone cautious about extra costs
For users on PickMyWork, lifetime free cards also mean easy referrals — they’re beginner-friendly to sell, as there’s no cost barrier. That’s why cards like HSBC Visa Platinum and IDFC First Millennia are among the most popular projects on the app.
How to Apply & Earn with PickMyWork
You can not only apply for these credit cards easily via PickMyWork — but also earn by helping others apply.
- No investment required
- Get paid per activation
- Work from your phone, anytime
- Perfect for students, gig workers, and freelancers
👉 Download the PickMyWork App to apply or start earning!
Whether you’re shopping online, buying groceries, or looking for premium perks — the right credit card can turn your everyday spends into savings.
FAQs
Q1. Do lifetime free cards really have no hidden charges?
Yes, as long as you pay bills on time. Late payment charges and interest still apply.
Q2. Can I hold more than one lifetime free card?
Yes, and it’s a good strategy to spread spends across categories.
Q3. What’s the catch?
Sometimes banks restrict joining offers (like free movie tickets) to first-year only, but the card itself remains fee-free
Q4. What are the other Credit Cards options for me?
Check out all the credit cards here – Choose your credit card & fill your digital credit card application right away
