If you want a credit card that gives you rewards without charging any yearly fee, this list is for you. We have picked five lifetime-free credit cards using our credit card comparison tool that offer good benefits at zero annual fees. These lifetime free credit cards let you earn cashback, reward points, and travel perks without spending anything on fees. Let’s take a look at what each card can do for you.
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IndusInd Pioneer Legacy Card
The IndusInd Pioneer Legacy Card is a credit card with zero annual fee. It is specially designed for people who love to shop, travel, and enjoy luxury experiences.
The card has a 1 Finance Score of 64 out of 100
Who can apply for this credit card IndusInd Pioneer Legacy?
- You should be between 18 and 65 years old.
- You should earn at least ₹2.4 lakhs in a year.
- You must be an Indian citizen.
The IndusInd Pioneer Legacy Card also offers reward points across multiple spending categories. Here’s a detailed look at how the reward structure works:
Rewards Structure of IndusInd Pioneer Legacy Card
The IndusInd Pioneer Legacy Card gives you reward points every time you spend. You earn 1% reward points on weekdays and 2% reward points on weekends. This applies to spending on groceries, bills, clothes, gadgets, dining, entertainment, and travel. You can collect more points on weekends, making it a great option for those who spend more on weekends.
Additional Benefits, Privileges, Lounge Access, Finance charges of IndusInd Pioneer Legacy Card
As a welcome benefit, IndusInd Pioneer Legacy Card offers a Luxe gift card worth ₹5,000, which can be redeemed across 360+ stores in 30 cities across India.
Additionally, you get complimentary stay perks at select Oberoi Hotels.
For frequent travelers, the card includes lounge access privileges. You can enjoy four free visits to domestic airport lounges every year, along with eight complimentary visits to international lounges.
Luxury benefits extend to golf enthusiasts as well, with 48 complimentary golf rounds annually. Moreover, if you spend ₹6 lakhs or more in a year, you earn 6,000 bonus reward points as a milestone benefit.
The card also has a straightforward rewards conversion rate of 1 Reward Point = ₹1.
Finance charges for the Indus Pioneer Legacy card stands at 46% per annum.
Additionally, the Indus Pioneer Legacy Card also offers bundled insurance coverage of an Air Accidental Cover of ₹25 lakhs.
AU LIT (Live it Today) Card
The AU LIT Card is a versatile, lifetime-free credit card designed to cater to entertainment, shopping, grocery, and travel enthusiasts. With a 1 Finance Score of 59/100, the card provides an extensive reward structure across multiple spending categories, along with substantial lounge access and cashback benefits.
Eligibility Criteria
To be eligible for the AU LIT Card,
- You must be between 21 to 60 years old
- You Must be salaried
- You must be an Indian residents
Rewards Structure of AU LIT Credit Card
The AU LIT Card rewards household expenses like groceries, technology, fine dining, travel, and leisure with 1% points on regular spends, 10x or 5x points on online domestic retail spends, plus an additional 5% on grocery transactions; utilities and entertainment (bill payments, movie tickets, streaming, events) earn 1% points; lifestyle expenses such as clothing and fashion receive 1% points on regular spends and 10x or 5x points on online domestic retail spends.
Additional Benefits, Privileges, Lounge Access, Finance charges of AU LIT (Live it Today) Card
The AU LIT Credit Card offers attractive welcome benefits, including a 3-month complimentary membership to ZEE5 and Amazon Prime upon spending ₹10,000 within 90 days of activation.
For travelers, the card provides 16 complimentary domestic lounge visits and 16 international lounge visits annually, ensuring comfort at airports both in India and abroad.
Milestone benefits include 5% cashback on monthly spending of ₹10,000, capped at ₹500 per transaction (up to three times in 90 days), or alternatively, 2% cashback on ₹15,000 monthly spends, capped at ₹1,000 per transaction (also up to three times in 90 days).
Reward points can be redeemed at a rate of 1 Reward Point = ₹0.25, offering flexible redemption options.
The card carries a finance charge of 45% per annum on outstanding balances, emphasizing the importance of timely payments.
In terms of insurance, the AU LIT Card provides limited coverage, including a Credit Shield up to ₹1.5 lakhs for credit-related disputes and Lost Card Liability coverage up to ₹1.5 lakhs for card loss.
ICICI Amazon Pay Credit Card
The ICICI Amazon Pay Card is a lifetime-free credit card designed to maximise cashback on Amazon transactions and everyday spending categories like groceries, shopping, and travel. With a 1 Finance Score of 54/100, the card offers tiered cashback rates based on Amazon Prime membership status, making it highly suitable for frequent Amazon shoppers.
Eligibility Criteria for ICICI Amazon Pay Credit Card
- Age: 21 to 65 years
- Employment: Must be salaried
- Residency: Exclusively available to Indian residents
Rewards Structure of ICICI Amazon Pay Credit Card
ICICI Amazon Pay Credit card offers 1% cashback on Groceries & Utilities, Clothing & Fashion,Technology & Electronics, entertainment, travel . Prime members earn a higher 5% cashback, while non-Prime members get 3%. Purchases with Amazon Pay partners earn 2% cashback.
You also get 4% cashback on ICICI iShop purchases.
All dining spends earn 1% cashback, but there are no additional benefits for Prime or non-Prime members in this category.
Additional Benefits, Privileges, Lounge Access, Finance charges of ICICI Amazon Pay Credit Card
The ICICI Amazon Pay Credit Card users receive a ₹2,000 Amazon Pay balance as a welcome bonus, which can be used for purchases across Amazon and Amazon Pay merchant partners.
Additionally, the card offers a 1-month free membership to EazyDinners, granting access to exclusive dining deals and offers. As a further incentive, cardholders receive ₹500 off on Amazon Prime membership.
However, the card does not offer any lounge access or milestone benefits.
The cashback earned through this card is automatically credited to the Amazon Pay balance. The reward conversion is straightforward, with cashback credited directly to the Amazon Pay wallet.
Finance charges on the ICICI Amazon Pay Card are standing at 40.80% per annum on outstanding balances.
RBL Insignia Preferred World Card
The RBL Insignia Preferred World Card is a premium, lifetime-free credit card designed for high-spending individuals who seek rewards on entertainment, travel, groceries, and lifestyle purchases. With a 1 Finance Score of 55/100, the card offers a robust reward structure, extensive lounge access, and exclusive milestone benefits.
Eligibility Criteria of RBL Insignia Preferred World Card
Age: 21 to 65 years
Employment: Must be salaried
Residency: Available only to Indian residents
The RBL Insignia Preferred World Card offers a flat 5% reward rate across all spending categories, including groceries, utility bills, clothing, electronics, dining, entertainment, and travel bookings, making it one of the highest cashback cards in the market.
Additional Benefits, Privileges, Lounge Access, Finance charges of RBL Insignia Preferred World Card
The RBL Insignia Preferred World Card is designed to provide premium travel and lifestyle benefits to its users. Cardholders can enjoy 24 complimentary domestic lounge visits and 6 international lounge visits each year.
For those who spend ₹8 lakhs annually, the card offers a milestone reward of a ₹8,000 voucher, redeemable at popular brands like Amazon, Myntra, Croma, MakeMyTrip, and Titan.
Golf enthusiasts can take advantage of 4 complimentary golf rounds and 12 golf lessons per year.
Reward points are redeemable at a rate of 1 Reward Point = ₹0.25,
However, the card carries a finance charge of 40.80% per annum.
Additionally, it does not offer bundled insurance coverage, focusing instead on travel, shopping, and entertainment perks.
IndusInd Tiger Card
The IndusInd Tiger Card is a lifetime-free credit card designed for individuals seeking consistent rewards on entertainment, grocery, and lifestyle expenses. With a 1 Finance Score of 56/100, the card provides steady reward points, lounge access, and milestone benefits, making it a balanced option for moderate spenders.
Eligibility Criteria
- Age: 21 to 70 years
- Employment: Must be salaried
- Residency: Exclusively for Indian residents
Rewards Structure of IndusInd Tiger Card
The IndusInd Tiger Card offers a flat 1% reward rate across various spending categories like groceries, utility spendings, fine dining, entertainment etc.
Additional Benefits and Privileges, lounge access of IndusInd Tiger Card
The IndusInd Tiger Cardholders can enjoy 8 complimentary domestic and 8 international lounge visits annually, ensuring a comfortable travel experience.
As a milestone benefit, users receive 20,000 reward points for spending ₹6 lakhs in a year.. Additionally, the card offers 4 complimentary golf rounds and lessons.
In terms of reward redemption, the conversion rate stands at 1 Reward Point = 1.20 AirMiles.
The card carries a finance charge of 42% per annum on outstanding balances.
For bundled insurance, the card includes a bundled life insurance cover of up to ₹25 lakhs for air accidents.
Conclusion
These top 5 credit cards in 2025 do not charge any yearly fee. You can use them to get back money (cashback), points, and other benefits like free airport lounges and hotel offers. Some cards are good for people who shop a lot, some for travelers, and some for people who buy things online like on Amazon. You just need to pay your bills on time to avoid extra charges. Pick the card that fits how you spend money to get the most benefits without paying any yearly fee.
Disclosure Notice:
1 Finance Pvt. Ltd. operates independently and does not issue or provide credit cards. The information presented here is for educational and informational purposes only and should not be considered financial advice. Before making any financial decisions, conduct your own thorough research and analysis. If you are uncertain about any financial matters, consult a qualified financial advisor.
