Top 5 Zero Annual Fee Credit Cards in India 2025 – Lifetime Free

Credit cards are an essential part of our lives through which we can buy anything without worrying about the need for instant cash. Luxury credit cards, premium credit cards, and basic credit cards are all available, but they come with a cost. If you want a luxury or premium credit card, then you need to pay a certain amount as joining and renewal fees to keep using that card, but if you think you can’t afford that, then don’t worry because there are cards that have no charges and offer generous benefits.

In this blog, you’ll find all the information on the zero annual fee credit cards.

Features of the Zero Annual Fee Credit Card

Credit cards that don't charge any fees provide the following benefits and features:

These cards are lifetime free cards, which means that there are no hidden charges with them, and you can use them for free.
The income criterion is generally low.
Offers a generous reward system like cashbacks, vouchers, etc.
The eligibility criteria are also easy, so your card application gets accepted smoothly.
These cards also have low interest rates.
Helps in building a good credit score.

Best no annual fee credit cards 2025

Here is the list of the top 5 credit cards with no annual fee in 2025 that you should consider.

1. AU Bank LIT Credit Card

It’s a basic credit card that has no fees. This card offers various benefits

Enjoy 3 months of free subscription to Zee5, Amazon Prime, and Cult Fit.
Get up to ₹1,000 in return when you spend just ₹10,000 per month.
Save more with a 1% fuel surcharge exemption.
You get to choose the benefits, pricing, and features that suit your needs, and even turn any feature on or off whenever you like.
Get 5% cashback on a variety of purchases, including dining, travel, and shopping.
On both domestic and foreign purchases, earn up to ten times as many reward points.
You also get complimentary airport lounge access.

Apply now on findcreditloan and get quick approval.

2. Amazon Pay ICICI Credit Card

A perfect card for all online shopping lovers. First off, there are no joining or renewal fees for this card. Secondly, it offers amazing benefits that you can use to maximise your savings.

The reward points or cashback on this card never expire.
Whether you’re a Prime member or not doesn’t matter; everyone gets to earn reward points when spending on Amazon.
Enjoy a 1% fuel surcharge waiver.
Get amazing discounts on dining at partnered restaurants.
Earn reward points on all your purchases.

If you love Amazon, then you should apply for this card now.

3. IDFC First Millennia Credit Card

A beginner-friendly card that has no joining or membership fees.

You get reward points for online and offline expenses.
Special reward points for birthday transactions.
Enjoy 4 railway lounge accesses for free each quarterly
Fantastic savings on movie tickets and restaurant eating
Exemption from the 1% fuel surcharge

It's one of the easy approval credit cards that you must apply for.

4. ICICI Bank Platinum Chip Credit Card

This ICICI Bank credit card is free for life and provides excellent value for your regular expenses.

Earn rewards points on retail purchases, utility bill payments, groceries, and much more.
An inbuilt security chip that protects against financial fraud.
Exemption from the 1% fuel surcharge
Save up to 15% when dining.
Redeem reward points against gift vouchers, discount coupons, and more.

Apply now and start saving more.

5. IDFC First Select Credit Card

A lifetime free credit card that offers great rewards on shopping, travel, lifestyle, etc.

No hidden charges in it.
You get reward points in online and offline transactions.
Special reward points on birthday transactions.
Free lounge access at domestic airports and on trains.
Get a buy-one, get-one movie ticket deal monthly.
Exclusive 20% off on dining at selected restaurants.
Reward points can be used at any time and have no expiration date.

To enjoy all these benefits, Apply Now.

*It is recommended to visit the bank's official website, as all the information is subject to change at any time.

The Application Process

You can apply for any of these cards directly from FindCreditLoan. Here are the steps that you need to follow to apply online for lifetime free credit cards:

Step 1: Visit the ‘findcreditloan’ official website (click here)

Step 2: Select the credit card option and look for the card you wish to apply for.

Step 3: Find the card and look over the qualifying requirements.

Step 4: Begin the application procedure if you meet the eligibility requirements.

Step 5: Fill out the form and include the required files.

Step 6: Recheck all details and finally click on ‘submit’.

Also Read:- How to Increase Your Credit Card Limit – Tips & Benefits

Conclusion

To conclude, the Zero Annual Fee Credit Cards is one of the best credit cards because these cards are easy approval credit card. These cards are the best credit cards for first-time users as they are lifetime free credit cards with no hidden charges and offer great benefits like complimentary airport lounge access, fuel surcharge waiver, reward points, cashbacks, and much more. With all these benefits and no fees zero annual fee credit cards is easy to get.

Frequently Asked Questions? (FAQs)

Which bank offers lifetime free credit cards in India in 2025?

Every bank in India offers lifetime free credit cards, and to help you choose the best, all the above-mentioned cards are the top lifetime free credit cards.

Which is the best no-fee credit card for online shopping in India?

If you frequently do online shopping, especially from Amazon, then the Amazon Pay ICICI Bank credit card is the best card for online shopping because firstly, it has no fees at all, and secondly, it comes with numerous benefits that can help you save on your purchases.

Are there any hidden charges included in the lifetime free credit cards?

The lifetime free credit cards have no hidden charges, but there are late payment penalties, interest rates, cash withdrawal fees, etc.