Top 5 Premium Lifetime Free Credit Cards In India With Zero Annual Charges

Lifetime free cards (LTF) are entry-level credit cards that are ideal for when one does not have a credit history. After about 6-9 months of diligent usage, it's better to upgrade to more premium cards to improve rewards accumulation and for better additional benefits. As per Mr. Animesh Hardia, SVP, Quantitative Research - 1 Finance, here are the top premium lifetime free credit cards in India.

ICICI Amazon Pay Card

In collaboration with Amazon and Visa, ICICI Bank is offering the Amazon Pay ICICI Bank Credit Card. If you own an ICICI Bank credit card, you can sign up for the Amazon Pay ICICI Bank credit card, which offers special benefits everywhere, at any time, and without any joining or renewal charges. Here are the benefits of ICICI Amazon Pay Card.

• Waiver of 1% on fuel surcharge payments
• No joining fee or annual fee
• No limit or expiry date on the rewards.
• Members of Amazon Prime can earn 5% cashback on transactions made on Amazon India. All purchases, excluding digital products and gift cards, receive 3% cashback to non-Prime cardholders.
• Get 2% cashback on over 100 merchant websites that accept Amazon Pay.
• Earn 1% cashback on all other spending, including dining out, shopping, travel, and insurance payments.

AU LIT Credit Card

LIT Credit Card is lifetime free, but you may add features for as little as Rs. 49 to Rs. 499 to get rewards, cashback, and other exciting perks.

• Earn 10X or 5X reward points for all retail transactions made online, both domestically and internationally. You can additionally earn 10X or 5X reward points for all in-person domestic and international POS and contactless transactions. A maximum of 25000 reward points can be accrued by cardholders throughout a statement cycle.
• Receive a waiver of a 1% fuel fee on all transactions ranging from Rs 400 to Rs 5,000.
• Get 1 reward point for every Rs 100 spent in retail, with an additional 5% cashback. Get 5% cashback three times in a ninety-day period. For a 30-day period, there is a minimum retail purchase of Rs 7,500 and a maximum reward of Rs 500.
• Get 1 reward point for every Rs 100 spent in retail, with an additional 2% cashback. Over the course of 90 days, get 2% cashback three times. A maximum cashback of Rs 1,000 over a 30-day period is offered, with a minimum retail expenditure of Rs 10,000.
• Get an extra 5% cashback on groceries and clothing purchases, plus get one reward point for every Rs 100 spent. A maximum of Rs 1,000 in cashback may be earned every 30 days.
• Use your LIT Credit card to access airport lounges all throughout India. Four visits max per ninety days.
• Get ZEE5, Amazon Prime and Cult pass Live subscriptions.
• Get card liability cover of upto Rs 1.5 Lakhs.

IndusInd Pioneer Legacy Card

Get 1 reward point on Rs 100 spent for weekday spending while get 2 reward points on Rs 100 spend for weekend spends. Weekday transactions are those completed on Monday, Tuesday, Wednesday, Thursday, and Friday; weekend transactions are those completed on Saturday and Sunday.

• You can receive a unique bonus offer if you spend at least Rs. 6 lakh within a year of the card's issuance date and earn 6000 bonus reward points.
• Get free lounge visits every quarter on your Primary Card and enjoy exclusive access to a few select premium airport lounges throughout India with your IndusInd Bank Pioneer Legacy Credit Card. With your IndusInd Bank Pioneer Legacy Credit Card, you will be able to access any participating domestic lounge for free once per calendar quarter.
• With IndusInd Bank Pioneer Legacy get contactless card features.

IDFC First Wealth Card

A lifetime-free credit card offering complimentary domestic & international airport lounge access with low forex mark-up benefits of upto 1,5%.

• Get year-round discounts on over 300 brands, 10X reward points, and a buy one, get one free movie ticket deal.
• Earn 10X Reward Points on reaching Rs 20,000 in a statement cycle and on your birthday, and 3X Reward Points on spending up to Rs 20,000 in a statement cycle.
• Earn 1X reward points and unlimited, never-expiring reward points when you pay your utility and insurance premiums.
• Reward points can be used to quickly pay for purchases made online or in-store and can be earned three times over on rental and property management transactions.
• Get access to the spas and lounges at domestic and international airports, as well as complete travel and air accident insurance.
• Get interest-free cash withdrawal benefits with IDFC First Wealth Card.
• Get zero joining fee and annual charges along with low interest rates (APR).
• Receive interest-free cash withdrawals for up to 45 days from domestic and foreign ATMs, along with a 1% surcharge when paying for property management and rent.

Federal Scapia Card

• In partnership with Scapia Technology Pvt. Ltd, Federal Bank is offering Federal Scapia Co-branded Credit Card.
• Spend Rs. 10,000 on the card each month to receive free dining, shopping, spa treatments, and unrestricted domestic lounge access. All foreign transactions will have no currency markup.
• Get instant redemption on Scapia app for flights, hotels, and buses, as well as a 10% reward on all eligible online and offline transactions.
• Federal Scapia Card offers zero joining and annual fees. Your physical card will arrive in 2-5 days of working days, and you can use the virtual card right away.