11 Best RuPay Credit Card Lifetime Free in India 2025

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RuPay is rapidly gaining popularity in India due to its compatibility with UPI payments and the attractive offers it provides to users. As a home-grown payment network, RuPay has become a strong alternative to other international card networks, offering seamless transactions and widespread acceptance.

With the growing number of RuPay credit cards in the market, many of them come with the added benefit of being lifetime-free, making them even more appealing. In this blog, we will explore some of the best lifetime-free RuPay credit cards currently available in India.

What is a Lifetime Free Credit Card?

A lifetime free credit card means that the credit card has absolutely zero annual maintenance or joining fees. But what is not a lifetime free credit card? Certain cards offer waiver of fees after making a fixed transaction in a year, but these are not ‘lifetime free’ credit cards.

For example, for a credit card, if annual fees are to be waived off on doing a transaction worth ₹50,000 in a year – This card is not a lifetime free credit card. Certain card providers let you get a credit card for free for one year and charge you fees for the second year onwards. Remember, these, too, are certainly not on the lifetime free credit cards list.

Top 11 Lifetime Free RuPay Credit Cards

Lifetime Free RuPay Credit Card	Joining Fees	Annual Fee	Lifetime Free	Best for
Edge CSB Bank RuPay Credit Card Powered By Jupiter	Nil	Nil	Yes	Shopping, Dining, Travel
Bank of Baroda ICAI EXCLUSIVE RuPay Credit Card	Nil	Nil	Yes	Shopping, Travel, Fitness, Fuel
Axis Fibe Axis RuPay Credit Card	Nil	Nil	Yes	Dining, Entertainment, Lounge Access, Fuel
Bank of Baroda ICSI DIAMOND RuPay Credit Card	Nil	Nil	Yes	Shopping, Dining, Travel, Lounge Access, Fitness
METRO Kotak RuPay Credit Card	Nil	Nil	Yes	Travel, Shopping
Bank of Baroda CMA One RuPay Credit Card	Nil	Nil	Yes	Fuel, Shopping, Travel, Fitness
YES Bank FinBooster RuPay Credit Card	Nil	Nil	Yes	Shopping, Forex
Assam Rifles The Sentinel BOB RuPay Credit Card	Nil	Nil	Yes	Travel, Shopping, Fuel
Federal Bank RuPay Signet Credit Card	Nil	Nil	Yes	Shopping, Entertainment, Food, Insurance
IndusInd Platinum Rupay Credit Card	Nil	Nil	Yes	Shopping, Fuel, Travel
AU Bank InstaPay RuPay Credit Card	Nil	Nil	Yes	Shopping, Dining, Fuel

Elevate your everyday experiences with the 3-in-1 RuPay Credit Card.

Enjoy 2% cashback and lifetime-free benefits.

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Key Features and Advantages of Lifetime Free RuPay Credit Cards

Choosing a credit card can be overwhelming, especially with so many options available. Here, we present the list of the best 11 lifetime free RuPay credit cards that offer exceptional features and benefits.

1. Edge CSB Bank RuPay Credit Card Powered By Jupiter

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Dining

Fuel

The Edge CSB Bank RuPay credit card, powered by Jupiter, is designed to provide you with an array of appealing features and benefits.

Cashbacks & Rewards

10% cashback on shopping: Amazon, Flipkart, Myntra, Ajio, Zara, Nykaa, Croma, Reliance Trends, Tata Cliq, Reliance Digital
5% cashback on travel: MakeMyTrip, EaseMyTrip, Yatra, Cleartrip
1% cashback on all other offline & online eligible spends
Save up to ₹42,000 in a year
One-time joining fee of ₹499 and no annual fee
Free Prime membership included.

Additional Benefits

The Jupiter Edge+ CSB Bank RuPay Credit Card is a powerful credit card that combines the flexibility of UPI payments, credit card transactions, and premium rewards—all in one sleek package. Whether you're shopping online, booking travel, or dining out, this card helps you maximise your cashback benefits across every category.
- Cashback Benefits: Earn 10% cashback on top shopping platforms like Amazon, Flipkart, Myntra, Ajio, and more. Enjoy 5% cashback on travel bookings via MakeMyTrip, EaseMyTrip, Yatra, and Cleartrip. For all other eligible online and offline spends, get 1% cashback. You can save ₹42,000 annually.
- Welcome Bonus: Pay a one-time joining fee of ₹499 (no annual fee thereafter) and receive a complimentary Prime membership, adding even more value.
- UPI Payments: Make seamless UPI payments by scanning QR codes using the card via the Jupiter app—just like a debit card, but with credit card rewards.
- Card Controls: Manage everything from card freeze/unfreeze to PIN reset and transaction limits directly in the Jupiter app.
- Security: Benefit from features like 1-click lock, masked card numbers, and robust fraud protection.
- Spend Tracking: Get real-time insights on both UPI and credit card transactions—helping you track, budget, and save smarter.

2. Bank of Baroda ICAI EXCLUSIVE RuPay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Travel

Fitness

Fuel

The Bank of Baroda ICAI Exclusive credit card offers enticing benefits that can enhance your financial experience.

Cashbacks & Rewards

Every time you spend ₹100 on online shopping, utility bills, or dining out, you earn five reward points.
Additionally, when fueling up at petrol stations nationwide with transactions between ₹400 and ₹5,000, you are eligible for a 1% waiver on the fuel surcharge.

Additional Benefits

This card allows you to request up to three free add-on cards for family members like parents or siblings—making it convenient for loved ones as well!
When you sign up, you receive a complimentary FitPass Pro membership for six months, valued at ₹15,000—a perfect way to jumpstart your fitness journey.

3. Axis Fibe Axis RuPay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Dining

Entertainment

Lounge access

Fuel

With its generous welcome gifts and rewards system coupled with additional card options and savings on fuel charges, Axis Fibe Axis RuPay credit card is designed not just as an ordinary credit card but as an essential tool in managing both daily expenses and family needs effectively.

Cashbacks & Rewards

You can enjoy 3% cashback on food deliveries, entertainment, and local travel while earning 1% on all other purchases.
You also benefit from fuel surcharge waivers.

Additional Benefits

For your security, the card is numberless and supports UPI payments thanks to its RuPay backing.
You gain access to four complimentary airport lounges—perfect for your travels!
Plus, don’t forget about the 15% discount you can snag at restaurants through Axis Dining Delights.
If this sounds like what you need in a credit card, applying via the Fibe app is quick and easy!
Best of all, no joining or annual fees are involved!

4. Bank of Baroda ICSI DIAMOND Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Dining

Travel

Lounge access

Fitness

The Bank of Baroda ICSI DIAMOND credit card is a free rupay credit card which combines lifestyle perks with essential protections that enhance both day-to-day convenience and extraordinary experiences.

Cashbacks & Rewards

Each time you spend ₹100 on dining or utility bills online, you accumulate five reward points.
If you use your card within the first month after activation, you earn an additional bonus of 1,000 reward points.
Enjoy a fuel surcharge waiver on transactions between ₹400 and ₹5000 at petrol pumps across India.

Additional Benefits

You receive a complimentary FitPass Pro membership valued at ₹15,000 for six months—perfect for staying active!
You can also get up to three free add-on cards for your loved ones, like your spouse or parents—making it easy to share the rewards with those closest to you.
This credit card offers professional indemnity insurance up to ₹5,000,00. It covers air accident death up to ₹15,000,00 as well as non-air accident death cover worth ₹5,000,00.
You gain access to twelve free domestic lounge visits throughout the year—three every quarter!

5. Metro Kotak Rupay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Travel

Shopping

With extraordinary features combined, the Metro Kotak Rupay credit card is not just about convenience but truly rewards every purchase along the way.

Cashbacks & Rewards

If you are among the savvy shoppers who make their initial swipe for ₹10,000 or more within 30 days after receiving the card, you can snag an activation bonus of up to ₹500 in cashback!
You benefit from cashback offers when you shop in bulk at both Metro online and physical stores, making it easier to save while you enjoy great deals.
Cashback percentages vary based on spending: earn 0.25% on spends between ₹10,000 and ₹30,00; increase that rate to 0.50% when spending between ₹30,000 and ₹5,00,000; or maximize your savings at 1% if you exceed ₹5,00,000 in total spends!

Additional Benefits

With a generous 48-day interest-free credit period, managing your expenses becomes even more convenient.
Plus, being a RuPay contactless card means that transactions up to ₹5,000 can be completed swiftly and securely without needing a PIN—perfect for quick purchases.

6. Bank of Baroda CMA One RuPay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Bank of Baroda CMA One RuPay Credit Card

Best For

Fuel

Shopping

Travel

Fitness

Using the Bank of Baroda CMA One RuPay credit card comes with a variety of advantages that can enhance your financial experience.

Cashbacks & Rewards

First, earn milestone rewards by making transactions soon after getting your card—1,000 points within 30 days and an additional 4,000 each quarter when you exceed your credit limit.
Over ₹100 spent on everyday purchases earns you one point, redeemable later for cashback at a rate of ₹0.25 per point.
When it comes to fuel expenses, enjoy a 1% waiver on surcharges for purchases between ₹400 and ₹5,000 at any Indian fuel station—up to ₹250 per statement cycle!

Additional Benefits

You also have the option to obtain up to three-lifetime add-on cards for family members over 18 years old.
Moreover, as part of its benefits package upon issuance are complimentary insurances: Professional Indemnity Insurance Cover worth ₹5,00,000 and non-air accident death cover valued similarly.
You can convert post-spending over ₹2,500 into easy EMIs with options spanning from six months up to twelve months!
If you lose your card, just inform the bank immediately. You face zero liability against fraudulent use while waiting for a replacement.

7. YES Bank FinBooster RuPay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Forex

The YES Bank FinBooster is one of the best lifetime free RuPay credit cards, as it offers some impressive features that enhance your spending experience.

Cashbacks & Rewards

First up, you can earn accelerated reward points on UPI transactions, allowing you to rack up points faster than normal with every swipe of your card.
Additionally, this card enables you to earn exciting reward points on all purchases, which are redeemable through the YES Rewardz program for various rewards tailored to your preferences.

Additional Benefits

When it comes to international spending, you can appreciate a low foreign currency markup of just 2.75%, making those trips abroad less financially stressful.
You also have complete control over the card via mobile management; block or unblock it and set limits effortlessly from wherever you are—this feature prioritizes both security and convenience in managing your finances.
For online shopping enthusiasts like yourself, rest easy knowing that each transaction is secured by Mastercard SecureCode or Verified by VISA services.
Plus, with a comprehensive card protection plan included in this offering for issues like loss or theft frauds during emergencies—you gain peace of mind while using it confidently anywhere worldwide!

8. Assam Rifles The Sentinel BoB Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Assam Rifles The Sentinel BoB Credit Card

Best For

Travel

Shopping

Fuel

Introducing the Assam Rifles The Sentinel BoB credit card—a lifetime free card designed for one of India’s most prestigious paramilitary forces. This credit card is packed with perks, such as:-

Cashbacks & Rewards

You can earn rewards on various transactions, including 1,000 points upon activation within 30 days and five times points at grocery stores for every ₹100 spent.
It also provides two reward points on other purchases.
When fueling up across India with transactions between ₹400 to ₹5,000, you can benefit from a 1% surcharge waiver.

Additional Benefits

Additionally, enjoy exclusive benefits like eight complimentary airport lounge accesses and four golf lessons annually.
If you spend over ₹1,000,00 in the first three months, you receive a year of Amazon Prime membership at no extra cost!
You can easily convert payments above ₹2,500 into EMIs ranging from six to thirty-six months when needed.
Enjoy features like zero liability if your card is lost or stolen and three free add-on cards with a generous interest-free period of fifty days, along with built-in insurance coverage for peace of mind in your financial journey!

9. Federal Bank Rupay Signet Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Entertainment

Food

Insurance

The Federal Bank Rupay Signet credit card offers an array of enticing features for savvy consumers like you.

Cashbacks & Rewards

With this card, you can rack up 3x reward points on electronics and apparel purchases.
Entertainment spending earns you 2x points.
In other categories, such as food and travel, you gain 1x reward points for your expenses.

Additional Benefits

Every quarter, when booking a movie ticket at Inox through your credit card, you receive one complimentary ticket.
If you spend ₹20,000 quarterly on Swiggy using the card, exciting vouchers await!
The FedDelights program grants discounts of up to 15% at partner hotels where the Rupay Signet is accepted.
On top of it all comes peace of mind with personal accident insurance coverage worth ₹2,000,00.
You also get round-the-clock concierge services ready to assist whenever needed.

10. IndusInd Platinum Rupay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Fuel

Travel

The IndusInd Bank Platinum RuPay credit card is designed to give an exceptional credit card experience:-

Cashbacks & Rewards

This card welcomes you with no fees for joining or renewing.
You can earn rewards effortlessly—2 points for every ₹100 spent through UPI and 1 point on other transactions, plus an extra ₹0.70 on specific merchant categories.
When filling up your tank, enjoy a delightful 1% waiver on fuel surcharges between ₹400 and ₹4,000 at petrol stations across India.

Additional Benefits

You receive complimentary personal accident insurance coverage of up to ₹25,000,00.
There is also protection against unauthorized transactions if your card is lost within the first 48 hours of reporting it.
Furthermore, travel confidently knowing that The Oriental Insurance Company provides travel insurance covering various mishaps like lost baggage (₹100,000) or a missed connection (₹25,000).
You can conveniently manage everything from account tracking to payments via the IndusInd Mobile App.

11. AU Bank InstaPay RuPay Credit Card

Joining Fees

Nil

Annual Fee

Nil

Lifetime Free

Yes

Best For

Shopping

Dining

Fuel

The AU InstaPay credit card combines convenience and security into one efficient package tailored just for you.

Cashbacks & Rewards

Firstly, it offers 1% cashback on UPI transactions in select categories like groceries and dining, up to ₹100 each statement cycle—so every purchase rewards you.
You receive a waiver on 1% of fuel surcharges for purchases ranging from ₹400 to ₹5,000 at all petrol stations nationwide—a maximum benefit of ₹100 per statement cycle.

Additional Benefits

You get an interest-free period of up to 48 days with every transaction. This gives you extra time to manage payments without worrying about accruing interest.
Making payments is as easy as scanning any merchant's QR code with your favourite UPI app—be it at stores or restaurants.

Discover the 25 best RuPay credit cards in India for 2025.

Read our article now to find the perfect card for your needs!

Know More!

Frequently Asked Questions (FAQs)

How do I check if my credit card is lifetime-free?

You can check with your card provider whether it is a ‘lifetime free’ (LTF) credit card or not. Connect with customer support and check on email whether Lifetime Free is mentioned anywhere in the mail content.

Also, ask check whether any conditions are mentioned, like the minimum transaction amount that you have to do in a year to get annual charges waived. Double check whether the credit cards have a conditional Lifetime Free offer, like the one where you have to make a minimum yearly transaction of some specified amount.

How to get a lifetime free RuPay credit card?

You can get lifetime free RuPay credit cards for UPI by applying directly on official websites. Ensure once before that the cards are actually lifetime free or conditional free where there are charges either after the second year or waiver of charges based on the minimum transaction done in a year.

Bank of Baroda ICAI EXCLUSIVE RuPay Credit Card
Edge CSB Bank RuPay Credit Card Powered By Jupiter
Bank of Baroda ICSI DIAMOND RuPay Credit Card
Bank of Baroda CMA One RuPay Credit Card

These cards are designed to offer rewards that make your fuel purchases more affordable.

Can you use RuPay credit cards for UPI transactions?

Absolutely! RuPay credit cards from any issuer can be used for UPI transactions. This flexibility allows you to manage your payments seamlessly and efficiently.