In today’s world, credit cards are indispensable financial tools, offering a variety of benefits that can enhance your purchasing experience. With so many options available, choosing the right credit card can be overwhelming, especially when looking for one that offers the most perks without charging an annual fee. Lifetime-free credit cards—those that have no recurring annual charges—are an excellent option for individuals who wish to enjoy all the advantages of credit cards without the added costs.
In this guide, we explore the top 10 credit cards in India for 2025 that come with zero annual fees, along with their key benefits and features, so you can make an informed decision that suits your needs.
1. RBL Bank BankBazaar SaveMax Credit Card
RBL Bank’s SaveMax Credit Card is a standout in the market for 2025, offering a range of benefits without an annual fee. The card offers 10% cashback (up to ₹100 per month) on transactions made with BookMyShow and Zomato. Additionally, EMI Infinity Pass allows you to save up to 100% on Split n Pay Fees. With the RBL Bank MyCard App, you can manage your credit card, pay bills, and apply for fast loans. This card also provides excellent rewards for daily spending and makes managing finances simple and efficient.
Key Benefits:
- 10% cashback on BookMyShow and Zomato transactions.
- Zero annual fee.
- Access to discounts and offers on utilities and merchant services.
2. HSBC VISA Platinum Credit Card
The HSBC VISA Platinum Credit Card is one of the best lifetime-free credit cards for 2025, offering a variety of perks. New users can earn a ₹500 cashback when they make a minimum spend of ₹5,000 within the first 30 days. The card also offers two reward points for every ₹150 spent, which can be redeemed for a wide range of rewards, including flight miles with airlines like Singapore Airlines, Etihad Airways, and British Airways.
Key Benefits:
- ₹500 cashback on spending ₹5,000 within the first 30 days.
- Two reward points per ₹150 spent.
- Attractive discounts on fuel, shopping, and dining.
3. Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is another fantastic option for 2025, offering limitless rewards without an annual fee. Users can earn unlimited cashback on purchases made through Amazon, and those who are Amazon Prime members get a 5% reward on all Amazon India purchases. The card's rewards do not expire, making it a highly flexible option for frequent shoppers on Amazon.
Key Benefits:
- Unlimited rewards with no expiration.
- 5% cashback for Amazon Prime members.
- Cashback redeemable for purchases on Amazon or partner merchants.
4. ICICI Bank Platinum Chip Credit Card
This card offers an attractive rewards program with no annual fee. ICICI Bank Platinum Chip Credit Card users earn two reward points for every ₹100 spent at retail stores, excluding petrol purchases. Additionally, the card offers a 1% fuel surcharge waiver (up to ₹4,000 annually) at HPCL petrol pumps.
Key Benefits:
- Two reward points for every ₹100 spent on retail purchases.
- 1% fuel surcharge waiver.
- Exclusive offers on dining, shopping, and travel.
5. IDFC First Select Credit Card
IDFC First Select Credit Card is an excellent choice for those who want value without the fees. It provides access to domestic airport lounges, cashback offers, and up to 10X reward points on certain purchases. Moreover, users can benefit from 100% cashback on the first four UPI transactions up to ₹200.
Key Benefits:
- Free access to domestic airport lounges.
- Up to 10X rewards on qualifying purchases.
- Cashback offers and UPI transaction benefits.
6. Kotak 811 #dreamDifferent Credit Card
For frequent travelers and shoppers, the Kotak 811 #dreamDifferent Credit Card is a great option. This card offers 1% fuel surcharge waivers at petrol stations and provides 4 reward points for every ₹100 spent on online purchases. You can also earn up to 90% of your credit limit as cash withdrawal.
Key Benefits:
- 1% fuel surcharge waiver.
- 4 reward points for every ₹100 spent online.
- Waiver on railway surcharges and cash withdrawal facilities.
7. IndusInd Platinum Credit Card
The IndusInd Platinum Credit Card offers a blend of rewards and insurance benefits, making it an ideal choice for those looking for security and rewards. It offers flight accident insurance coverage of up to ₹25 lakh and lost baggage coverage up to ₹1 lakh. It also allows you to earn 1.5 reward points for every ₹150 spent and two reward points for UPI transactions.
Key Benefits:
- 1% fuel surcharge waiver.
- Exclusive insurance benefits.
- Earn 1.5 reward points for every ₹150 spent.
8. Federal Bank Scapia Credit Card
Federal Bank's Scapia Credit Card is designed to reward frequent travelers. It offers up to 20% Scapia Coins on travel bookings and 10% coins on regular purchases. Users can also enjoy unlimited access to domestic airport lounges when they spend ₹5,000 per month.
Key Benefits:
- 20% Scapia Coins on travel bookings.
- Unlimited domestic airport lounge access.
- No forex markup fees.
9. AU LIT Credit Card
AU LIT Credit Card is a powerful card for online shoppers and those who frequently make contactless transactions. The card offers 5X or 10X reward points on both domestic and international purchases, making it an excellent choice for reward maximization. It also offers a cap of 25,000 reward points per statement cycle.
Key Benefits:
- 5X or 10X reward points on online and offline transactions.
- No annual fee.
- Maximum reward points per cycle: 25,000.
10. IDFC First Millennium Credit Card
For users looking for lifetime-free credit cards with extensive rewards, the IDFC First Millennium Credit Card is a fantastic option. It offers 10X reward points on spending over ₹20,000 on your birthday and 3X reward points for purchases made both online and offline.
Key Benefits:
- 10X reward points on birthday purchases.
- 3X reward points for online and offline purchases.
- Lifelong validity with infinite reward points.
Conclusion
Choosing the right credit card is a personal decision that depends on your spending habits and lifestyle. The top 10 lifetime-free credit cards for 2025 mentioned above offer a range of benefits, from cashbacks to travel rewards and exclusive discounts, all without the burden of an annual fee. Whether you’re looking for a card to maximize your rewards, save on fuel, or enjoy exclusive perks, there’s a card suited to your needs.
Before applying, make sure to read the terms and conditions carefully to avoid hidden charges or fees. By selecting the right card, you can enjoy all the rewards of a premium credit card without the cost. Happy spending!