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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.
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.
Additional Benefits
- With credit limits soaring up to ₹3,00,000, this card offers plenty of flexibility for your spending needs.
- If you are someone who enjoys dining out or shopping frequently—or even travelling—you can benefit from an attractive flat 2% cashback in your chosen category.
- Additionally, stay informed about where your money goes with insights into both UPI and credit card expenditures.
- You also get one-click control over your card settings for security purposes alongside options that let you view or manage saved tokens easily—suspend them if needed!
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.
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.
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.
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.
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
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.
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.
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
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:-
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.
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:-
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.
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!
Frequently Asked Questions (FAQs)
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.
What are the best lifetime free RuPay credit cards?
The Edge CSB Bank RuPay credit card powered by Jupiter is one of the standout options among all the lifetime free rupay credit cards discussed here. It offers great benefits without the burden of annual fees.
What are the best RuPay credit cards for shopping?
The answer varies based on what you typically buy. Still, the Edge CSB Bank card packs some impressive perks that can enhance your shopping experience.
What are the best RuPay credit cards for cashback?
When it comes to cashback, the best RuPay credit cards depend on your purchasing habits. Think about where you spend most, and you can find cards that reward you accordingly.
What are the best RuPay credit cards for fuel purchases?
If fuel costs are a significant part of your budget, consider these options:-
- 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.
Looking for a Specific Credit Card?
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Lifetime Free Credit Card
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Written and Reviewed by:
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.
Priyanka Sharma is the Head of Credit Cards (Sr. Director Business & Product - Credit Cards) at Jupiter Money, where she leads the growth and development of the company’s credit card portfolio. She is responsible for driving strategic initiatives and enhancing customer experiences through innovative credit products. Priyanka’s leadership is shaping Jupiter’s approach to simplifying personal finance for its customers.
Prior to her role at Jupiter Money, Priyanka was an Engagement Manager at McKinsey & Company, where she provided strategic advice to clients across various sectors. Her expertise in business strategy, growth, and operations was built on her strong analytical skills and client-focused problem-solving abilities. Earlier in her career, she worked at ZS, a global business consulting firm, where she contributed to various projects, gaining significant experience in data-driven business decisions.
Priyanka holds a Post Graduate Programme in Management with a focus on Finance, Strategy, and Leadership from the Indian School of Business (ISB), where she graduated with distinction, earning a place on the ISB Dean’s List. This prestigious academic achievement underscores her deep understanding of financial strategy and leadership, which she continues to leverage in her fintech leadership role.
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