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Lifetime-free cards from our partners, with rewards, lounge access and travel benefits. Approval is decided by the issuing bank.
IDFC FIRST Bank Credit Card
Joining fee ₹0 · Annual fee ₹0
- Up to 10X reward points; points never expire
- Interest on revolving balance from 9% p.a. on select variants
- Railway and airport lounge access on select variants
- Fuel surcharge waiver
Scapia Federal Credit Card
Joining fee ₹0 · Annual fee ₹0
- Zero forex markup on international spends
- Unlimited domestic lounge access on meeting monthly spends
- Travel rewards redeemable on flights and hotels
- Issued by Federal Bank
How to choose a card
- Fees: lifetime-free cards have no joining or annual fee. Check for spend-based waivers on others.
- Rewards: match the card to where you spend most: travel, online shopping, fuel or dining.
- Interest: only matters if you carry a balance; if you pay in full, it is zero.
- Forex markup: 0%–3.5% on international spends; matters for travel and foreign subscriptions.
Eligibility
- Aged 21–60 with a regular income
- Credit score of 700+ helps; some issuers accept new-to-credit applicants
- PAN, Aadhaar and income proof for video KYC
Using a card well
Pay the full statement balance every month, keep utilisation under 30% and never withdraw cash on a credit card. Read our guide on personal loan vs credit card.