# Lifetime free credit cards in India, every rule dated · Brief

40 cards issued today carry no annual fee. 13 of them also charge no forex markup, and 17 come with airport lounge access.

Every card issued today with a ₹0 annual fee that is open to applications, with what it earns on everyday spend, its forex markup and whether it gets you into a lounge.

40 cards · current to 21 October 2026

## Lifetime free credit cards (40)

- [AU LIT](https://getbrief.cards/cards/au-lit): Network Visa · 1 RP / ₹100 base, capped at 10,000 RP/statement cycle · lifetime free · 3.49% forex · community-verified · checked 16 July 2026
- [AU NOMO](https://getbrief.cards/cards/au-nomo): Network RuPay · 2 RP/₹100 retail, cap 5,000 RP/cycle · lifetime free · 0.99% forex · lounge · verified · checked 16 July 2026
- [ixigo AU Credit Card](https://getbrief.cards/cards/au-ixigo): Network Visa · Flat 2.5% (5 RP/₹200) on online, offline and UPI, cap 10,000 RP/statement cycle · lifetime free · 0% forex · lounge · ✓ official · checked 16 July 2026
- [Google Pay Flex Axis Bank](https://getbrief.cards/cards/axis-gpay-flex): Network RuPay · 1 Star/₹500 (0.2%), 2 Stars/₹500 in the first reward cycle · max 1,500 Stars/cycle, of which 750 come from Axis · lifetime free · verified · checked 11 July 2026
- [LIC Axis Bank Platinum](https://getbrief.cards/cards/axis-lic-platinum): Network Visa · 1 PlusPoint/₹100 base · redemption is catalogue-only · lifetime free · 3.5% forex · verified · checked 1 September 2026
- [LIC Axis Bank Signature](https://getbrief.cards/cards/axis-lic-signature): Network Visa · 1 pt / ₹100 (0.2%) · points expire after 12 months, ₹30 redemption fee · lifetime free · 3.5% forex · lounge · verified · checked 3 July 2026
- [Scapia Axis Bank Credit Card](https://getbrief.cards/cards/scapia-axis-mastercard): Network Mastercard · 10 coins / ₹100 everyday (= 2% value back @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing · lifetime free · 0% forex · lounge · ✓ official · checked 9 September 2026
- [Scapia Axis Bank Credit Card (RuPay)](https://getbrief.cards/cards/scapia-axis-rupay): Network RuPay · 5 coins / ₹100 everyday incl. UPI (= 1% value back) on spends of ₹500 and above · under ₹500 earns nothing · lifetime free · 0% forex · lounge · ✓ official · checked 9 September 2026
- [BOBCARD Prime](https://getbrief.cards/cards/bob-prime): Network RuPay · 2 RP/₹100 on all other categories · UPI spends earn core points only, cap 500 RP/cycle · lifetime free · 3.5% forex · ✓ official · checked 16 July 2026
- [BOBCARD Scapia Credit Card](https://getbrief.cards/cards/scapia-bobcard): Network Visa · 10 coins / ₹100 everyday (= 2% value back) on spends of ₹20 and above · under ₹20 earns nothing · lifetime free · 0% forex · lounge · verified · checked 9 September 2026
- [DCB Niyo Global Credit Card](https://getbrief.cards/cards/dcb-niyo-global): Network Visa · 1% cashback all other / international · lifetime free · 0% forex · verified · checked 17 June 2026
- [Federal Bank Celesta Credit Card](https://getbrief.cards/cards/federal-celesta): Network Mastercard · 1 RP / ₹100 all other eligible · lifetime free · 2% forex · 2 transfer partners · lounge · ✓ official · checked 17 June 2026
- [Federal Bank Imperio](https://getbrief.cards/cards/federal-imperio): Network Visa · 1 RP / ₹150, rounded down per txn (0.25% value on catalogue, 0.10% as cash) · lifetime free · 3.5% forex · 2 transfer partners · lounge · verified · checked 3 July 2026
- [Federal Bank RuPay Wave](https://getbrief.cards/cards/federal-wave): Network RuPay · 1 RP/₹200 · lifetime free · 3.5% forex · ✓ official · checked 26 August 2026
- [Federal Bank Signet](https://getbrief.cards/cards/federal-signet): Network Visa · 1 RP/₹200 (0.5% at ₹0.25 catalogue; cash-to-statement only ₹0.10) · lifetime free · 3.5% forex · lounge · ✓ official · checked 10 July 2026
- [Scapia (Federal Bank)](https://getbrief.cards/cards/scapia-federal): Network Visa · 10 coins / ₹100 everyday (= 2% travel-locked value @ 5 coins = ₹1) on spends of ₹20 and above · under ₹20 earns nothing · lifetime free · 0% forex · lounge · verified · checked 13 June 2026
- [HSBC Premier](https://getbrief.cards/cards/hsbc-premier): Network Mastercard · 3 RP / ₹100 · lifetime free · 0.99% forex · 17 transfer partners · lounge · 2 statuses · community-verified · checked 20 June 2026
- [HSBC RuPay Platinum](https://getbrief.cards/cards/hsbc-rupay-platinum): Network RuPay · 2 RP/₹150 · lifetime free · 3.5% forex · 6 transfer partners · verified · checked 26 August 2026
- [HSBC Visa Platinum](https://getbrief.cards/cards/hsbc-visa-platinum): Network Visa · 2 RP / ₹150 (about 0.33%), uncapped, online + offline · lifetime free · 3.5% forex · 18 transfer partners · ✓ official · checked 3 July 2026
- [Amazon Pay ICICI](https://getbrief.cards/cards/amazon-pay-icici): Network Visa · 1% base cashback · lifetime free · 1.99% forex · verified · checked 13 June 2026
- [ICICI Bank Platinum Chip](https://getbrief.cards/cards/icici-platinum): Network Visa · 2 RP / ₹100 retail · lifetime free · 3.5% forex · 1 transfer partner · verified · checked 17 June 2026
- [IDFC FIRST Classic Credit Card](https://getbrief.cards/cards/idfc-first-classic): Network Visa · 3X (3 RP / ₹200) all other eligible spends · lifetime free · 0% forex · lounge · verified · checked 21 June 2026
- [IDFC FIRST LIC Select](https://getbrief.cards/cards/idfc-lic-select): Network Mastercard · lifetime free · 0% forex · lounge · verified · checked 9 October 2026
- [IDFC FIRST Millennia Credit Card](https://getbrief.cards/cards/idfc-first-millennia): Network Visa · 3X (3 RP / ₹200) all other eligible · lifetime free · 0% forex · lounge · verified · checked 28 June 2026
- [IDFC FIRST Select](https://getbrief.cards/cards/idfc-first-select): Network Visa · 3X (3 RP / ₹200) all other spends since 18 Jan 2026 · lifetime free · 0% forex · lounge · ✓ official · checked 21 June 2026
- [IDFC First Wealth](https://getbrief.cards/cards/idfc-first-wealth): Network Visa · 3 RP / ₹200 base · lifetime free · 0% forex · lounge · 1 status · ✓ official · checked 21 June 2026
- [IDFC FIRST WOW](https://getbrief.cards/cards/idfc-first-wow): Network Visa · 4 RP / ₹200 (incl. overseas) · lifetime free · 0% forex · lounge · 1 status · ✓ official · checked 21 June 2026
- [IndusInd Bank Nexxt Credit Card](https://getbrief.cards/cards/indusind-nexxt): Network Mastercard · 1 RP / ₹150 flat all categories (0.667/₹100) · lifetime free · 3.5% forex · 1 transfer partner · 1 status · community-verified · checked 4 July 2026
- [IndusInd Bank Pioneer Legacy Credit Card](https://getbrief.cards/cards/indusind-pioneer-legacy): Network Visa · 1 RP / ₹100 weekday (weekend rate is 2 RP/₹100) · lifetime free · 1.8% forex · 1 transfer partner · lounge · 1 status · ✓ official · checked 4 July 2026
- [IndusInd Bank Tiger Credit Card](https://getbrief.cards/cards/indusind-tiger): Network Visa · 1 RP / ₹100 up to ₹1L a card year · lifetime free · 1.5% forex · 2 transfer partners · lounge · ✓ official · checked 28 September 2026
- [IndusInd EazyDiner Platinum](https://getbrief.cards/cards/indusind-eazydiner-platinum): Network Visa · 2 RP/₹100 · wallet loads likely earn base (IndusInd publishes no wallet exclusion) · lifetime free · verified · checked 11 July 2026
- [IndusInd Legend](https://getbrief.cards/cards/indusind-legend): Network Visa · 1 RP / ₹100 weekday base (2 RP/₹100 on weekends) · lifetime free · 1.8% forex · 2 transfer partners · verified · checked 17 June 2026
- [IndusInd Pinnacle World](https://getbrief.cards/cards/indusind-pinnacle-world): Network Mastercard · 1 RP / ₹100 (PoS/MoTo/IVR) · lifetime free · 3.5% forex · 1 transfer partner · lounge · 1 status · verified · checked 12 June 2026
- [IndusInd Platinum Aura Edge Credit Card](https://getbrief.cards/cards/indusind-aura-edge): Network Visa · 0.5 SP / ₹100 all other spends · lifetime free · 3.5% forex · 1 transfer partner · verified · checked 25 August 2026
- [Kotak 811 #DreamDifferent](https://getbrief.cards/cards/kotak-811-dreamdifferent): Network Visa · 1 RP/₹100 offline, until 31 Mar 2026 (the points programme ended) · lifetime free · 2% forex · verified · checked 3 July 2026
- [Kotak UPI RuPay Credit Card](https://getbrief.cards/cards/kotak-upi-rupay): Network RuPay · Flat 3 RP/₹100 on UPI (P2M only) + regular CC txns; 1,000 RP = ₹100 · lifetime free · 3.5% forex · ✓ official · checked 10 July 2026
- [OneCard Metal](https://getbrief.cards/cards/onecard-metal): Network Visa · 0.2% base (2 RP/₹100 at ₹0.10 a point) · plus about 1% (5X) on your top 2 auto-detected categories · lifetime free · 1% forex · verified · checked 13 June 2026
- [Slice UPI Credit Card](https://getbrief.cards/cards/slice-upi): Network RuPay · 1 monie/₹1 (₹0.01 a monie at the base 1% redemption tier; higher tiers need a savings balance) · lifetime free · 0% forex · ✓ official · checked 11 July 2026
- [Yes Bank Kiwi (Neon)](https://getbrief.cards/cards/yes-kiwi-neon): Network RuPay · 0.5% on online spends · 1.5% on UPI scan & pay · monthly cap 1% of credit limit · lifetime free · 3.5% forex · lounge · ✓ official · checked 14 June 2026
- [YES BYOC (Build Your Own Card)](https://getbrief.cards/cards/yes-byoc): Network Mastercard · 8 RP/₹200 retail (rewards variant); the cashback variant earns 1% · lifetime free · 3.5% forex · lounge · verified · checked 11 July 2026

Cards with an annual fee of ₹0, in the directory’s order: issuer, then name.

## Other lists

- [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards)
- [Cashback](https://getbrief.cards/cashback-credit-cards)
- [Lounge access](https://getbrief.cards/lounge)
- [Every card](https://getbrief.cards/cards)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/lifetime-free-credit-cards