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Lifetime Free Credit Cards

No joining fee, no annual fee, no spend targets — ideal as a first card or a no-cost backup. BOBCARD Eterna is included for its limited-period ₹0 joining fee; its annual fee is waived on ₹2.5 lakh spend.

11 cards · details checked October 2026

ixigo AU Credit Card Lifetime free0% forexUPI
Other Banks · AU Small Finance Bank

ixigo AU Credit Card

Lifetime free with 0% forex and 10% off ixigo flights & hotels

Annual feeLifetime free
Forex0%
LoungeYes
Details Apply
Uni GoldX Credit Card Lifetime free0% forexUPI
Fintech Cards · BOBCARD / YES Bank

Uni GoldX Credit Card

1% back as 24K digital gold, including UPI

Annual feeLifetime free
Forex0%
LoungeNone
Details Apply
slice UPI Credit Card Lifetime free0% forexUPI
Fintech Cards · slice Small Finance Bank

slice UPI Credit Card

1% back on every spend incl. UPI + split bills in 3

Annual feeLifetime free
Forex0%
LoungeNone
Details Apply
Vibhu Agrawal, founder of CreditCardTalks
Vibhu Agrawal · IIM graduate · Founder, CreditCardTalks

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Frequently asked

Are lifetime free cards really free?
Yes — no joining or annual fee as long as the card stays lifetime free. You still pay interest and late fees if you don’t clear your bill in full, and GST applies to any charges.
Which lifetime free card has lounge access?
Scapia offers unlimited domestic lounges after ₹20,000 spend in a cycle, and IndusInd Tiger includes 8 domestic and 2 international visits a year.
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