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Lifetime-Free Credit Cards Credit Cards

Best Lifetime-Free Credit Cards in India 2025 – Zero Annual

Lifetime-Free Credit Cards

Lifetime-free credit cards help you enjoy all the benefits of a premium card without paying annual or joining fees. Perfect for smart spenders who value savings and rewards with zero maintenance cost.

IndianOil Axis Bank RuPay Credit Card

IndianOil Axis Bank RuPay Credit Card

Annual Fee: 💳 ₹500 + GST (waived on spend milestones)

  • ⛽ Up to 5% fuel value at IOCL
  • 🏅 EDGE reward points on daily spends
  • 💵 Savings on fuel & transport
  • ♻️ RuPay UPI linkage optional
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Axis MyZone Credit Card

Axis MyZone Credit Card

Annual Fee: 💳 ₹500 + GST (often waived via offers)

  • 🎟️ Buy 1 Get 1 movie tickets (Paytm Movies)
  • 🍕 Up to 40% off on Swiggy
  • ⛽ 1% fuel waiver
  • 🎁 EDGE rewards on other spends
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Axis Bank Neo / MyZone HDFC Bank Lifetime Free Card ICICI Bank Lifetime Free Card IDFC FIRST Lifetime Free RBL Bank Lifetime Free

FAQs about Lifetime-Free Credit Cards Credit Cards

What does lifetime-free credit card mean?

It means the card has no joining or annual maintenance charges for its entire validity period.

Which banks offer lifetime-free credit cards in India?

HDFC Bank, ICICI Bank, IDFC FIRST Bank, and RBL Bank have excellent lifetime-free options.

Are lifetime-free cards truly free?

Yes, provided you meet eligibility criteria — no hidden charges apply if you pay on time.

Do lifetime-free cards offer cashback or rewards?

Absolutely. Many include cashback, points, or fuel benefits just like paid cards.