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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 homegrown 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 available in India as of November 2024.
What is 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 doing a fixed transaction in a year, these are not ‘Lifetime Free’ Credit cards. For example, for a credit card, if annual fees will be waived off on doing a transaction worth Rs. 50,000 in a year – This card is not a lifetime free credit card. Certain card providers will also let you get a credit card for free, for a period of one year and charge you fees second year onwards. These too are not lifetime free credit cards.
Best Lifetime Free RuPay Credit Card in India – November 2024
The Best Lifetime Free RuPay Credit Card in Indiia are:
| Credit Card | Joining Fees | Lifetime Free | Annual Fee Waiver Amount | Welcome Benefits | Cashback Features | Rewards | Other Features |
| Edge CSB Bank RuPay Credit Card Powered By Jupiter | Nil | Yes | NA | ₹ 250 voucher from partner brands | 2% cashback on selected spends | Cashback on non-UPI spends | 1% fuel surcharge waiver Interest-free credit on UPI payment |
| Bank of Baroda ICAI EXCLUSIVE Credit Card | Nil | Yes | NA | 1,000 reward points for transacting within 30 days | NA | 5 reward points of every Rs 100 spent 4000 reward points for spending Rs 1 lakh or more in a year 1 reward point for every Rs 100 spent |
1% fuel surcharge waiver Complimentary insurance of Rs 5 lakhs 6 months fitpass pro membership 12 complimentary airport lounge access |
| Bank of Baroda ICSI DIAMOND Credit Card | Nil | Yes | NA | 1,000 reward points for transacting within 30 days | NA | 5 reward points of every Rs 100 spent 4000 reward points for spending Rs 1 lakh or more in a year 1 reward point for every Rs 100 spent |
1% fuel surcharge waiver Complimentary insurance of Rs 5 lakhs 6 months fitpass pro membership 12 complimentary airport lounge access |
| Bank of Baroda CMA One Credit Card | Nil | Yes | NA | 1,000 reward points for transacting within 30 days | NA | 5 reward points of every Rs 100 spent
4000 reward points for spending Rs 1 lakh or more in a year 1 reward point for every Rs 100 spent |
1% fuel surcharge waiver
Complimentary insurance of Rs 5 lakhs 6 months fitpass pro membership 12 complimentary airport lounge access |
| HDFC RuPay Shoppers Stop Credit Card | Nil | Yes | NA | Rs 500 worth Shoppers Stop vouchers | – | 2000 First Citizen points on spending Rs 2 lakhs annually
6 First Citizen points for every Rs 150 spent on Shoppers Stop private label brands Earn 2 First Citizen points for every Rs 150 spend on all other brands |
Complimentary Shoppers Stop membership
1% fuel surcharge waiver |
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Edge CSB Bank RuPay Credit Card
The Edge CSB Bank RuPay Credit Card from Jupiter is made for people who value cashback on their everyday spending. It offers multiple benefits:- Lifetime free card with no joining or annual fees.
- 2% cashback on shopping, travel, and dining spends.
- 0.4% cashback on other UPI and credit card transactions.
- Rs 250 welcome voucher on card usage.
- Easy UPI payments via QR code.
- 1-click controls for card management, including freezing the card, resetting PIN, and tracking spends.
- Available exclusively on the Jupiter app.
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Bank of Baroda ICAI EXCLUSIVE Credit Card
The Bank of Baroda ICAI Exclusive Credit Card is designed for ICAI (Institute of Chartered Accountants of India) members. Following are the benefits of the card.- Lifetime free RuPay credit card, so no joining or annual fee is levied.
- Attractive joining and activation rewards.
- Complimentary six-month Fit Pass Pro membership worth Rs 15,000.
- 1000 reward points for transactions done within 30 days of card issuance.
- 4000 reward points for spending more than Rs 1 lakh or credit limit (whichever is higher) during a calendar quarter.
- Five reward points for every Rs 100 spent on dining, online, and utility bills.
- Rewards points can be converted into cashback.
- 12 complimentary lounge access in a year (3 per quarter).
- Professional indemnity insurance cover of Rs 5 lakhs.
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Bank of Baroda ICSI DIAMOND Credit Card
The Bank of Baroda ICSI Exclusive Credit Card is designed for ICSI (Institute of Company Secretaries of India) members. Following are the benefits of the card.- Lifetime free card, so no joining or annual fee is levied.
- Attractive joining and activation rewards.
- Complimentary six-month Fit Pass Pro membership worth Rs 15,000.
- 1000 reward points for transactions done within 30 days of card issuance.
- 4000 reward points for spending more than Rs 1 lakh or credit limit (whichever is higher) during a calendar quarter.
- Five reward points for every Rs 100 spent on dining, online, and utility bills.
- Rewards points can be converted into cashback.
- 12 complimentary lounge access in a year (3 per quarter).
- Professional indemnity insurance cover of Rs 5 lakhs.
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Bank of Baroda CMA One Credit Card
The Bank of Baroda CMA Exclusive Credit Card is designed for ICMAI (Institute of Cost Accountants of India) members. Following are the benefits of the card.
- Lifetime free card, so no joining or annual fee is levied.
- Attractive joining and activation rewards.
- Complimentary six-month Fit Pass Pro membership worth Rs 15,000.
- 1000 reward points for transactions done within 30 days of card issuance.
- 4000 reward points for spending more than Rs 1 lakh or credit limit (whichever is higher) during a calendar quarter.
- Five reward points for every Rs 100 spent on dining, online, and utility bills.
- Rewards points can be converted into cashback.
- 12 complimentary lounge access in a year (3 per quarter).
- Professional indemnity insurance cover of Rs 5 lakhs.
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HDFC RuPay Shoppers Stop Credit Card
The HDFC RuPay Shoppers Stop Credit Card offers the following benefits.
- The card is a lifetime free RuPay credit card.
- Earn six first citizen points for every Rs 150 spent on Shopper’s Stop private labels.
- Earn two first citizen points for every Rs 150 spent on all other Shopper’s Stop brands except fuel and wallet.
- Complimentary Shopper’s Stop membership.
How to 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 has to be done by you 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.
Looking for a Specific Credit Card?
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Online Shopping Credit Cards
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Airport Lounge Credit Cards
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International Travel Credit Card
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Movie Tickets Credit Cards
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Lifetime Free Credit Card
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Utility Bill Payment Credit Card
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Insurance Payment Credit Card
Authors
Priyanka Rao
Priyanka Rao is a content strategist for Jupiter.Money, and specializes in writing on topics related to finance, banking, budgeting, salary & wages, and other financial matters. She has a passion for creating engaging content that resonates with audiences across various digital platforms. In her free time, Priyanka enjoys traveling and reading, which allows her to gain new perspectives and inspiration for her work. With a keen eye for detail and a creative mindset, Priyanka is committed to creating content that connects well with her readers, enhancing their digital experiences.
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