Lifetime Free Credit Card - No Annual Fee Credit Cards

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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.

Lifetime-free Credit Cards on Bajaj Markets in 2025

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
IndusInd Bank Platinum Master Credit Card	NIL	NIL
IndusInd Bank Legend Credit Card	NIL	NIL
IndusInd Bank Platinum Aura Edge Credit Card	NIL	NIL
AU Small Finance Bank LIT Credit Card	NIL	NIL
Rupicard	NIL	NIL
ICICI Bank Platinum Visa Credit Card	NIL	NIL
IDFC FIRST Select Credit Card	NIL	NIL
IDFC FIRST Classic Credit Card	NIL	NIL
IDFC FIRST Millennia Credit Card	NIL	NIL
IDFC FIRST Wealth Credit Card	NIL	NIL
IDFC FIRST Wow! Credit Card	NIL	NIL
Kotak League Platinum Credit Card	NIL	NIL

Note: The fees mentioned in the table are subject to change at the discretion of the card issuer.

Features and Benefits of Lifetime-free Credit Cards

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:

IndusInd Platinum Master Credit Card

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

IndusInd Bank Legend Credit Card

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

AU Small Finance Bank LIT Credit Card

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

Rupicard Credit Card

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

IndusInd Bank Platinum Aura Edge Credit Card

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

ICICI Bank Platinum Visa Credit Card

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

IDFC FIRST Select Credit Card

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

IDFC FIRST Bank Classic Credit Card

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

IDFC FIRST Millennia Credit Card

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

IDFC FIRST Wealth Credit Card

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

IDFC FIRST Wow! Credit Card

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

Kotak League Platinum Credit Card

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

How to Apply for a Lifetime-free Credit Card

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

Eligibility Criteria and Documents Required

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

About Credit Cards Services

Credit Cards Partners at Bajaj Markets

Non Partners Credit Cards

Which banks offer lifetime-free credit cards?

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.

Which are some of the best lifetime-free credit cards for travel?

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.

Can free credit cards be used overseas?

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.

Are there any other hidden charges if I use a lifetime-free credit card?

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.

What will happen if I utilise a lifetime-free credit card and do not clear the bill on time?

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.

Can I get a credit card with no money?

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.

How do I waive the annual cost of my credit card?

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.

Can a credit card be lifetime-free?

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.

Is there any credit card with no limit?

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.

Can I get lifetime-free credit cards without income proof?

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.

Is a credit card that comes with no fee truly free?

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.