All credit cards
Best lifetime-free credit cards
Zero annual fee, forever. No spend targets to chase just to avoid a charge.
Quick answer
Best lifetime-free credit cards: start with IDFC FIRST Millennia, Scapia Federal, Amazon Pay ICICI. Compare annual fee, reward fit and eligibility before applying, and only use a card if you can pay the full bill every month.
IDFC FIRST Bank
IDFC FIRST Millennia
Visa · RuPay
IDFC FIRST Millennia
IDFC FIRST Bank
Our top pick in this list.
- Annual fee
- Free
- Rewards up to
- 3%
- Lounges/yr
- 4
Rates verified 26 Jul 2026
Federal Bank
Scapia Federal
Visa · RuPay
Scapia Federal
Federal Bank
- Annual fee
- Free
- Rewards up to
- 10%
- Lounges/yr, gated
- Unlimited
Rates verified 26 Jul 2026
ICICI Bank
Amazon Pay ICICI
Visa
Kotak Mahindra Bank
Kotak 811 #DreamDifferent
Visa
Kotak 811 #DreamDifferent
Kotak Mahindra Bank
- Annual fee
- Free
- Rewards up to
- 1%
- Lounges/yr
- 0
Rates verified 26 Jul 2026
OneCard (FPL/BoB)
OneCard
Visa
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