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Lifetime-free credit cards let you enjoy reward points, complimentary benefits, and more without worrying about joining or annual fees.
Lifetime-free credit cards provide a hassle-free way to access financial flexibility and rewards without the burden of recurring fees. Some credit cards allow joining fee reversals or waive-off the annual fee on reaching a spending threshold. However, lifetime-free cards do not charge any joining or annual fees to keep your card active. This could make them a suitable option for those who want to cut down on maintenance costs while still enjoying card benefits.
You can save more and enjoy premium card benefits without paying any joining or annual fees by choosing the right lifetime-free credit card. Here are the lifetime-free credit cards available on Bajaj Markets in 2025:
Credit Card |
Joining Fees |
Annual Fees |
|---|---|---|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
|
NIL |
NIL |
Note: The fees mentioned in the table are subject to change at the discretion of the card issuer.
Learn more about the features and benefits of these lifetime-free credit cards with no annual fees and find out which could be suitable for you:
This card comes with special privileges on dining, travel, and shopping to offer a premium experience.
Earn 1.5 reward points on every ₹150 spent using the credit card
Get a gift card for 30+ global luxury and premium brands
Enjoy deals and discounts on top brands such as Montblanc
Get vouchers from brands like Amazon, Zee5, Flipkart, Uber, Ola, Apollo Pharmacy, and more
This credit card offers premium perks tailored to suit your lifestyle requirements.
Earn 2 reward points on every transaction of ₹100 on weekends
Enjoy up to 1.8% of discounted forex mark-up fee
Get a 1% fuel surcharge waiver to save on fuel purchases
Enjoy a complimentary stay at an Oberoi Hotel of your choice in India
Use this card to meet everyday needs and enjoy high flexibility.
Get 5X or 10X reward points on domestic as well as international transactions
Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Earn cashback of 5% thrice across a duration of 90 days
Enjoy up to 4 complimentary visits at airport lounges within a period of 90 days
Get an opportunity to build your CIBIL score with this secured credit card.
Earn interest on your Fixed Deposit (FD) at up to 7% p.a.
Enjoy a high credit card limit of up to 90% of the FD amount
Get an opportunity to select your own credit limit
Enjoy contactless payments for convenient, secure, and fast transactions with this credit card.
Earn reward points of up to 8X on payments made to select merchants
Enjoy the flexibility of choosing from 4 types of reward plans
Get a 1% fuel surcharge waiver and save on fuel spends
Enjoy discount vouchers from multiple brands like Amazon, Big Bazaar, Flipkart, Apollo Pharmacy, Ola, Uber, and more as welcome benefits
Enjoy rewards and savings on everyday purchases with this credit card.
Earn 2 reward points for every ₹100 spent on retail purchases, except on fuel
Earn 1 reward point when you pay utility and insurance bills
Avoid paying additional surcharges on fuel bills at HPCL pumps on spends up to ₹4,000
Get premium benefits and exciting rewards designed for your lifestyle.
Earn 10X reward points on spends above ₹20,000 and on your birthday
Enjoy 'Buy One, Get One' offer on Paytm movie tickets up to ₹125 twice a month
Get 2 complimentary domestic airport lounge visits per quarter on monthly spends of ₹20,000
Enjoy 4 complimentary railway lounge visits every quarter
Start enjoying rewards and savings as soon as you activate your card.
Get benefits worth ₹1,500 on card activation
Earn accelerated reward points on spends above ₹20,000 each month and on your birthday
Earn 3X reward points on monthly purchases of up to ₹20,000
Get 25% off on Paytm movie tickets, up to ₹100 once a month
Enjoy cashback, deals, and rewards with no maintenance charges.
Get a ₹500 voucher on spending ₹5,000 or more within 30 days of card issuance
Pay your first EMI within 30 days and get 5% cashback on the transaction value
Earn 10X reward points on monthly spends over ₹20,000 and on birthday spends
Get premium rewards and travel benefits with this feature-rich credit card.
Enjoy a ₹500 voucher from a partner brand on spending ₹5,000 within 30 days
Pay lower international mark-up charges of just 1.5%
Get ₹250 off on movie tickets booked via the District by Zomato app
Enjoy 2 complimentary domestic lounge and spa visits and 2 international lounge visits every quarter
Make your travels and expenses more rewarding with this zero-forex mark-up card.
Enjoy zero forex mark-up on international purchases
Get a 45-day interest-free period on your transactions
Receive complimentary roadside assistance worth ₹1,399
Get personal accident cover of ₹2 Lakhs for financial protection
Get rewarded for your regular spending with exciting benefits.
Receive 4 free PVR tickets or 10,000 reward points by spending ₹1.25 Lakhs every 6 months
Earn up to 8 reward points for every ₹150 spent across all categories
Receive 5,000 reward points worth ₹500 on joining
Applying for zero annual fee credit cards on Bajaj Markets is convenient and straightforward. You need to follow these simple steps to get the card:
Click on the ‘Check Eligibility’ tab at the top of the page
Enter the required details, such as your phone number, date of birth, and profession
Accept the terms and conditions after reading them carefully
Click on ‘Next’ and fulfil the required formalities
Select a specific card and follow the steps to get approval from the issuer
Before finalising a lifetime-free credit card, being aware of the eligibility and the document requirements that issuers set is essential. This can make the application process more convenient and help avoid any unnecessary hassles. Here are the general eligibility parameters:
You must be a resident of India
You should be at least 18 years of age
You need to have a good credit score
You should have a stable income and employment
You should meet the income requirements for the credit cards you select
While the documentation requirements vary with each issuer, here is some general paperwork you may need to submit:
Recent passport-size photographs
Proof of Identity: PAN card, Aadhaar card, driving licence, passport, voter ID card, etc.
Proof of Address: PAN card, utility bills, Aadhaar card, driving licence, passport, voter ID card, etc.
Proof of Income and Employment: Latest salary slips and bank account statements
The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.
The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, trade names, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.
You can get a lifetime-free credit card from multiple issuers with excellent perks. These include IndusInd Bank, AU Small Finance Bank, Rupay, ICICI Bank, Kotak Mahindra Bank, etc.
The IndusInd Platinum Master Credit Card may be a suitable option for frequent travellers. You can enjoy deals and discounts on luxury hotels and travel insurance coverage, among other perks.
Yes, you can use most of the lifetime-free credit cards overseas without any restriction. However, remember to check the overseas banking charges for foreign transactions that the issuer levies.
You can find details of all the fees and charges associated with the card on the issuer’s website. Another option is to connect with the customer care team of the issuer to confirm the charges.
In case you fail to clear your dues on or before the due date, the issuer will levy a late payment penalty. The balance amount will also accrue interest as per the prevailing interest rates.
Credit cards have minimum income requirements that you need to fulfil to get approval on your applications. Therefore, you may face rejection in case you do not have a stable income and employment.
You can avoid paying the annual cost on your credit card by getting a lifetime-free credit card. This helps reduce your overall borrowing costs.
Yes, lifetime-free credit cards come with zero annual charges. This way, you can initiate online and offline transactions while enjoying other perks without any charges.
Most credit cards come with a credit limit. Issuers decide this limit based on a number of factors, including your credit score, age, income, etc.
The majority of credit card issuers request proof of income when you apply for a credit card. This helps lenders assess your repayment capacity and decide whether to approve your application or not. However, you could apply for a secured credit card if you have a low credit score since it allows you to pledge an FD as collateral against the card.
Some credit cards, known as lifetime-free credit cards, do not charge any annual fees. However, you may still need to pay additional charges for certain services and facilities.
