A lifetime free (LTF) credit card has no joining fee and no annual fee, ever. You keep all the rewards you earn without having to hit a spend target to waive the fee. That makes these cards ideal as a first credit card, a backup card, or a dedicated UPI card.
Here are the lifetime free credit cards that still offer genuinely useful rewards.
ICICI Bank · Visa
Why we picked it: Up to 5% back on Amazon, 2% at partner merchants and 1% everywhere else, all with zero fees.
Federal Bank / Axis Bank / BOBCARD · Visa / RuPay
Why we picked it: Zero forex markup, ~2% travel rewards on everyday spends and unlimited domestic lounges (with monthly spend).
Lounge access requires ₹20,000 spend in the month. Coins redeem only on travel bookings in the Scapia app. International spends don't earn coins.
Axis Bank · RuPay
Why we picked it: Up to 3% cashback on UPI and 1% unlimited on everything else, on a free RuPay card.
The 3% cashback is capped at the 1% cashback you earn in the same cycle (minimum ₹100). Transactions under ₹100 earn nothing.
Why we picked it: Built for UPI scan & pay, with 1.5% back and an instant digital card.
The 5% rate needs Kiwi Neon (₹999/yr) and ₹1.5 lakh of yearly UPI spend. Fuel, utilities, rent and some other categories earn nothing.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| Amazon Pay ICICI Credit Card | Amazon shoppers | Free | 5% on Amazon | None |
| Scapia Credit Card | Travel & zero forex | Free | 0% forex | Unlimited domestic (on ₹20k monthly spend) |
| super.money RuPay Credit Card | UPI cashback | Free | 3% on UPI | None |
| Kiwi RuPay Credit Card | Scan & pay with UPI | Free | 1.5% on scan & pay | None (Neon: on milestones) |
Still unsure? Use the card finder to see which card earns the most on your own spends.
Amazon Pay ICICI is the best lifetime free card for online shoppers. Scapia is the best for travellers, thanks to zero forex markup, and super.money RuPay is the best for UPI cashback.
Yes, there's no joining or annual fee. You still pay interest and late fees if you don't clear your bill in full by the due date.
RuPay variants such as super.money, Kiwi and the Scapia RuPay card can be linked to UPI apps like GPay and PhonePe.