Best Lifetime Free RuPay Credit Cards in India – 2023
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Credit cards that do not charge an annual fee or joining fee are considered lifetime-free credit cards. However, only a few qualified users are eligible to get such cards.
What is a lifetime free credit card?
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.
Following are some of the best lifetime free RuPay credit cards in India.
Best Lifetime Free RuPay Credit Cards
| Credit Card | Joining Fees | Lifetime Free | Annual Fee Waiver Amount | Welcome Benefits | Cashback Features | Rewards | Other Features | Link for more information on website |
| 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 |
https://www.bobfinancial.com/icai-exclusive.jsp |
| 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 |
https://www.bobfinancial.com/icsi-diamond.jsp |
| 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 |
https://www.bobfinancial.com/cma-one.jsp |
| 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 |
https://www.hdfcbank.com/personal/pay/cards/credit-cards/shoppers-stop-hdfc-bank-credit-card |
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1. 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 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.
2. 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.
You might also be interested in reading about:
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- Best RuPay Fuel Credit Card in India
- How To Link Credit Cards To UPI?
3. 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.
4. HDFC RuPay Shoppers Stop Credit Card
The HDFC RuPay Shoppers Stop Credit Card offers the following benefits.
- The card is a lifetime free 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 the 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 minimum transaction amount that has to be done by you in a year to get annual charges waived off. Double check whether the credit cards have conditional Lifetime Free offer, like the one where you have to make a minimum yearly transaction of some specified amount.
How to get lifetime free RuPay credit card?
You can get lifetime free RuPay credit cards 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 second year or waiver of charges based on the minimum transaction done in a year.
