Lifetime Free Credit Cards
A lifetime-free credit card charges no joining fee and no annual fee for as long as you keep it. It is the simplest way to get an interest-free credit period, build a credit history and earn some rewards without worrying about meeting a spend target to waive fees.
Below are lifetime-free cards available through ClickPe, with the issuing bank and key features. Fees and offers change, so always confirm on the bank's MITC before applying.
Compare lifetime free credit cards offers
Figures are taken from each issuer's official website on the date shown. Your actual fees and limit depend on your profile and are confirmed by the bank.
| Card | Issuer | Joining fee | Annual fee | Best for |
|---|---|---|---|---|
| Federal Bank Credit Card As of Nov 2026 · source | Federal Bank | Free | Free | — |
| IndusInd Credit Card As of Nov 2026 · source | IndusInd Bank | Free | Free | Choosing from lifetime-free and premium cards at one bank |
| Zagg Credit Card - YES Bank As of Nov 2026 · source | YES BANK | Free | Free | UPI spenders wanting a no-fee card |
| AU Small Finance Bank Credit Card As of Nov 2026 · source | AU Small Finance Bank | Free | Free | Lifetime-free and premium cards from a small finance bank |
| KIWI Rupay Credit Card As of Nov 2026 · source | Issued by partner banks (YES Bank, Punjab National Bank, AU Small Finance Bank); Kiwi app operated by Gokiwi Technologies Pvt Ltd | Free | Free | Paying by credit card on UPI |
| IndusInd Bank Tiger Credit Card As of Nov 2026 · source | IndusInd Bank Ltd (co-brand partner: Tiger Fintech Private Limited) | Free | Free | No-fee card with lounge and travel perks |
| Scapia Federal Bank Credit Card As of Nov 2026 · source | The Federal Bank Ltd (issuer; Scapia Technology Pvt Ltd is the co-brand/marketing partner and does not hold a banking licence) | Free | Free | Travellers who book via the Scapia app |
| YES Bank POP-CLUB Credit Card As of Nov 2026 · source | YES BANK Ltd | Free | Free | Lifetime-free RuPay card for UPI spends |
Who is it for?
- First-time cardholders
- People who want a backup card without an annual fee
- Anyone who spends moderately and does not want to chase fee waivers
Key features
No annual fee, ever
No joining or renewal fee, so keeping the card open costs nothing and helps your credit history length.
Rewards still apply
Many lifetime-free cards offer cashback or reward points, though usually at lower rates than premium cards.
Other charges remain
Interest on unpaid balances, late fees, cash-withdrawal fees and forex markup still apply.
Eligibility
- Age and income criteria set by the issuing bank
- An acceptable credit score, or a fixed deposit for FD-backed lifetime-free cards
- KYC documents and a serviceable address
Documents required
- PAN card
- Aadhaar or address proof
- Income proof where required
Credit card interest calculator
- Interest charged
- ₹1,849
- Interest + 18% GST
- ₹2,182
- Equivalent annual rate
- 45.0% p.a.
How to apply
- Compare lifetime-free cards below.
- Check eligibility on ClickPe.
- Apply on the bank's secure page and complete KYC.
- Activate the card once delivered.
Is lifetime free really free?
Lifetime free means no joining or annual fee. You still pay interest if you do not clear your full bill, late-payment charges if you miss the due date, and fees on cash withdrawals or international transactions. Banks can change product terms with notice, so keep an eye on communications from your issuer.
Keeping a lifetime-free card open, even if you use it lightly, can help your credit score by increasing the age of your credit history and your total available limit.
Frequently asked questions
Do lifetime-free cards have hidden charges?
There is no joining or annual fee, but interest, late fees, cash-advance fees, forex markup and GST still apply as per the card's MITC.
Can a bank start charging an annual fee later?
Banks can revise terms with prior notice to cardholders. If the card stops being free, you can choose to close it.
Are lifetime-free cards good for building credit?
Yes. Using the card lightly and paying the full bill on time builds a positive repayment history at no fee.
Related
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