Best Lifetime Free (LTF) Credit Cards in India (Updated for November 2026)
HeyCash — 10% bonus for 24h on surveys, offers & games. Fast PayPal & gift card payouts. Code Y7DTGZ → Join
Showing 47 verified cards
| Card Name ⇕ | Bank ⇕ | Network ⇕ | Category ⇕ | Key Benefits & Rewards | Apply Link |
|---|---|---|---|---|---|
| BOBCARD Eterna | Bank of Baroda | Visa / RuPay | Travel | BOGO movie offer | Complimentary FitPass Pro membership | Unlimited Domestic lounge access | Apply → |
| Kiwi | Fintech / Partner Banks | RuPay | UPI CC | 1.5% cashback on UPI Scan & Pay | 0.5% cashback on online checkout | Apply → |
| Kredit Pe Yes Bank | Yes Bank | RuPay | UPI CC | 5% CB on Digital Gold purchases | 3% CB on UPI Spends | Apply → |
| Scapia Co-Branded | Federal Bank | Visa / RuPay | Travel | Unlimited Domestic Lounge Access | Earn 20 Scapia Coins per Rs 100 on travel bookings | Apply → |
| FIRST Millennia | IDFC FIRST Bank | Visa | Shopping | 25% off movie tickets | 10X Reward Points on Dining, Travel | 3X Reward points on all spend categories | Apply → |
| FIRST Classic | IDFC FIRST Bank | Visa | Entry Level | 25% off movie tickets | Up to 20% discount @ restaurants | Up to 15% discount health & wellness | Apply → |
| FIRST Select | IDFC FIRST Bank | Visa | Travel | 2 domestic lounge visits/quarter | BOGO movie offer | Apply → |
| FIRST Wealth | IDFC FIRST Bank | Visa | Travel | Complimentary golf rounds | Lounge access | ~1.5% forex markup | B1G1 movie tickets/month | Apply → |
| FIRST WOW! | IDFC FIRST Bank | Visa | FD BACKED | FD-Backed Credit Card | Zero income proof required | Apply → |
| ZET (IOB) | IOB | RuPay | FD BACKED | Flat 5% Cashback on Amazon & Flipkart | Flat 2% Cashback on UPI payments | Apply → |
| ZET (SBM) | SBM | RuPay | FD BACKED | Flat 5% Cashback on Amazon & Flipkart | Flat 2% Cashback on UPI payments | Apply → |
| CUB SalarySe Level UP | Fintech / Partner Banks | RuPay | UPI CC | 25 Reward Points per ₹100 | Apply → |
| POP | Yes Bank | RuPay | UPI CC | Earn 5% POPcoins on POP UPI | Apply → |
| Uni GoldX | Fintech / Partner Banks | RuPay | Travel | Zero forex markup | 7% back on flights & hotels | Flat 1% back on eligible UPI Scan & Pay | Apply → |
| AU LIT Credit Card | AU Bank | Visa / RuPay | Shopping | 5X–10X rewards on chosen categories | India's first customizable credit card | Apply → |
| AU ixigo | AU Bank | Visa / RuPay | Travel | Domestic & international airport lounge access | ixigo-platform travel discounts | Apply → |
| InstaPay | AU Bank | RuPay | Entry Level | 1% CB on selected merchants | Apply → |
| Paytm AU | AU Bank | RuPay | UPI CC | Up to 2% rewards on Paytm Scan & Pay | 5% Rewards on Paytm Travel & Paytm Gold purchases | Apply → |
| Fibe Axis | Axis Bank | RuPay | Entry Level | Simple rewards on daily spends | Apply → |
| Neo | Axis Bank | Visa / RuPay | Shopping | 3% cashback on food delivery | 5% discount on mobile/broadband/DTH recharges via Paytm | Apply → |
| Scapia Axis CC | Axis Bank | Mastercard | Travel | Unlimited Domestic Lounge Access | Earn 20 Scapia Coins per ₹100 on travel bookings | Apply → |
| Indigo Axis | Axis Bank | Visa / RuPay | Travel | 1 domestic lounge visit per quarter | BluChips on IndiGo spends | Apply → |
| Privilege Axis Bank | Axis Bank | Amex | Travel | BOGO movie offer | Up to ₹800 off dining via EazyDiner | Complimentary domestic lounge visits | Apply → |
| Google Pay Flex Axis | Axis Bank | RuPay | Shopping | 15% off on EazyDiner | Earn stars and redeem on Google Pay | Apply → |
| LIC Axis Bank Signature | Axis Bank | Visa | Travel | Upto 8 complimentary domestic lounge visits | 2X EDGE points on LIC premium payments | Apply → |
| LIC Axis Bank Platinum Credit Card | Axis Bank | Visa | Entry Level | 2X EDGE points on LIC premium payments | Apply → |
| RoarBank | Unity Bank | RuPay | Entry Level | Up to 20% on 2 selectable categories | 2-in-1: RuPay credit card + savings account + UPI | Apply → |
| PIXEL Play | HDFC Bank | RuPay | UPI CC | 5% cashback on 2 chosen categories | Apply → |
| Kotak League | Kotak Bank | RuPay | Entry Level | Upto 8 free PVR movie tickets | Apply → |
| HSBC Platinum | HSBC Bank | Visa | Travel | Earn 2 Reward Points for every ₹150 spent on the card | Apply → |
| Novio | DCB Bank | RuPay | FD BACKED | Instant approval against FDs starting at ₹2,000 | Earn up to 15% Novio Coins on eligible UPI spends | Apply → |
| Legend Credit Card | IndusInd Bank | Mastercard / Visa | Travel | Complimentary movie tickets up to ₹2,400 | Airport lounge access | ₹100 spent = 1 Reward Point | Apply → |
| Tiger Credit Card | IndusInd Bank | Mastercard / Visa | Travel | 8 complimentary domestic + 2 international lounge visits | 4 complimentary golf games | 6 reward points/₹100 on eligible spends | Apply → |
| Platinum Aura Edge | IndusInd Bank | Mastercard / Visa | Shopping | Up to 4X reward points on select merchants | Apply → |
| EazyDiner Platinum RuPay | IndusInd Bank | RuPay | Shopping | Upto 20% instant discount through PayEazy on EazyDiner App | Buy 1 Get 1 FREE movie tickets on BookMyShow | Earn 2X EazyPoints while dining | Apply → |
| Slice | Slice Bank | RuPay | UPI CC | Up to 3% cashback on all spends | Weekly rotating brand offers (10–30% extra cashback) | 3-month interest-free EMI on eligible purchases | Apply → |
| One Card | Fintech / Partner Banks | Mastercard / Visa | Shopping | 5X on top 2 spend categories | Apply → |
| IRCTC HDFC | HDFC Bank | RuPay | Travel | Earn 5 Reward Points for every ₹100 spent on IRCTC ticket bookings | 5% cashback when booking train tickets via HDFC Bank SmartBuy Portal | Apply → |
| Amazon Pay ICICI | ICICI Bank | Visa | Shopping | 5% unlimited cashback on Amazon for Prime members (3% for non-Prime) | 2% on 100+ Amazon Pay partner merchants | 1% cashback on all other spends | Apply → |
| CRED IndusInd Bank | IndusInd Bank | RuPay | UPI CC | 5% back on online spends | 1% back on UPI spends | 1% back everywhere else | Apply → |
| Niyo Global | Fintech / Partner Banks | Visa | Travel | Zero Forex Markup on international spends | Works in 180+ countries and supports transactions in 130+ currencies | Apply → |
| CheQ AU CC | AU Bank | Visa / RuPay | Shopping | 12% Rewards on Flights, Hotels, Utility Bill & Favorite Brands | 5% on all other brands | 1% everywhere else | Apply → |
| Rewards | Axis Bank | Amex | Travel | ₹150 off on Swiggy (min. ₹500, twice a month) | 2 free lounge accesses at select domestic airports (quarterly) | 2 EDGE points per ₹125 spent | Apply → |
| Edge+ Credit Card | CSB Bank | RuPay | UPI CC | 50% jewels on Shopping | 25% jewels on Jupiter Flights | 5% on everything else | Apply → |
| Pixel Go Credit Card | HDFC Bank | RuPay | UPI CC | Up to 25% off on restaurant bills via Swiggy Dineout | 1% Cashback on UPI Spends | Apply → |
| Quantum Plus Credit Card | IDFC FIRST Bank | RuPay | FD BACKED | Credit limit of up to 100% of your FD value | Zero Forex Markup Fees | Earn 1% Cashback on UPI & Offline Spends | Apply → |
| Platinum RuPay Credit Card | IndusInd Bank | RuPay | UPI CC | 2 Reward Points on every Rs. 100 spent with UPI | 1 Reward Point for every non-UPI transaction of Rs. 100 | Earn Rs.0.70 for all eligible spends | Apply → |
| AU Zaggle Credit Card | AU Bank | RuPay | UPI CC | 8% Zagg Coins on zagg.money UPI spends | Up to 4% Zagg Coins on eligible e-commerce spends | Apply → |
Best RuPay UPI Cashback Cards
- Kiwi RuPay: Best overall for daily neighborhood Scan & Pay with a flat 1.5% reward rate credited directly as cash.
- CRED IndusInd RuPay: Delivers up to 5% returns on selected merchants when linked via CRED UPI[cite: 2].
- Kredit Pe & POP Yes Bank: Great alternatives if you already utilize Yes Bank infrastructure for rewards.
Best Travel & Lounge Cards (Zero Annual Fee)
- IRCTC HDFC Card: Unbeatable for rail travelers with 8 complimentary IRCTC Executive Lounge visits per year (LTF promotion valid until 30th Sep 2026)[cite: 1, 3].
- IndusInd Tiger & Legend: Provides high lounge allowances with zero recurring renewal charges.
- Scapia (Federal/Axis): Perfect for international bookings with flat zero forex markup fees.
Best FD-Backed Cards (For Repairing or Building CIBIL Score)
- IDFC FIRST WOW!: Fully digital setup with a 100% credit limit match against your fixed deposit and zero proof-of-income requirement.
- ZET (IOB / SBM): Delivers up to 5% flat cashback with guaranteed approvals for students and freelancers.
