Are you searching for the best lifetime free credit cards in India with top benefits like free airport lounge access, cashback, rewards, and zero annual fees? You're in the right place!
Here’s a handpicked list of India’s top-performing LTF credit cards as of August 2025. Some of these also come with special referral bonuses (including ₹500 gift vouchers or free travel coins) if you apply through my links.
🔥 1. Scapia Federal Bank Credit Card – Unlimited Lounge + Travel Rewards
- ✅ Lifetime Free (₹0 joining/annual fee)
- ✈️ Unlimited Domestic Lounge Access (based on monthly spends)
- 🛍️ Free airport meals, spa & shopping perks
- 🪙 Earn Scapia Coins for every spend
- 💰 1% Forex Markup
🎁 Bonus: Get 1000 Scapia Coins when you apply using my referral:
👉 Apply for Scapia Credit Card
💳 2. IDFC FIRST Bank Credit Card – Rewards + ₹500 Voucher
- ✅ No Joining or Annual Fee Ever
- 🎁 ₹500 voucher on spending ₹5,000 in first statement cycle
- 🔥 Up to 10X Reward Points
- 🏷️ Exclusive partner offers + monthly movie BOGO
👉 Apply for IDFC FIRST Credit Card
💼 3. Amazon Pay ICICI Credit Card – Best for Amazon Shoppers
- ✅ Lifetime Free
- 💸 5% Cashback for Prime Members, 3% for non-Prime
- 💳 Powered by ICICI Bank + Visa
- 🛍️ Direct cashback to Amazon Pay balance
Apply via Amazon app or ICICI website.
🏬 4. Flipkart Axis Bank Credit Card – Great for Flipkart & Myntra
- ❌ ₹500 Annual Fee (but waived with ₹2L spend/year)
- 💸 5% Cashback on Flipkart, Myntra, Swiggy
- ⭐ 1.5% on all other spends
- 🎁 Welcome benefit worth ₹1,000+
Apply via Flipkart app or Axis Bank site.
🎬 5. HDFC Millennia Credit Card – Great for OTT + Food Delivery
- ✅ Lifetime Free (on select offers)
- 🍿 5% cashback on Amazon, Flipkart, Swiggy, Zomato, BookMyShow
- 💸 1% on all other spends
- 🎁 Cashback credited automatically
Apply via HDFC Bank’s SmartBuy or branch.
💰 6. Axis Neo Credit Card – Low Fee, Youth-Focused
- ❌ ₹250/year (almost free)
- 🎬 BOGO on BookMyShow + Zomato discounts
- 💡 Best for college students & new-to-credit users
Apply via Axis Bank or partner platforms.
🛫 7. SBI SimplyCLICK Credit Card – Best for Online Shopping
- ❌ ₹499 Annual Fee (waived at ₹1L spend/year)
- 💰 10X rewards on Amazon, Cleartrip, Apollo, BookMyShow
- 💳 Easy approval for salaried users
Apply via SBI Card portal or offline.
📊 Comparison Table: Top Lifetime Free Cards (2025)
| Credit Card | Lounge Access | Annual Fee | Welcome Bonus | Best For |
|---|---|---|---|---|
| Scapia | ✅ Yes (unlimited, spend-based) | ₹0 | 1000 Scapia Coins | Travel & Airport Benefits |
| IDFC FIRST | ❌ No | ₹0 | ₹500 Voucher | Daily Rewards |
| Amazon Pay ICICI | ❌ No | ₹0 | None | Amazon Shoppers |
| HDFC Millennia | ❌ No | ₹0-1000 (waived offers) | Cashback | OTT & Food Delivery |
💬 Final Thoughts
If you’re looking to maximize credit card rewards in 2025 without paying annual fees, these cards are your best bet. Scapia and IDFC FIRST stand out with powerful benefits and easy approvals.
Apply now and get your rewards:
👉 Scapia Credit Card – Apply Here
👉 IDFC FIRST Credit Card – Apply Here