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Life Time Free (LTF) Credit Cards of 2025

In today’s financial landscape, credit cards have become an indispensable tool for managing expenses, building credit, and enjoying various perks. However, many people are put off by the hidden costs associated with credit cards—annual fees, interest rates, and other charges that can quickly add up. Fortunately, a growing number of credit card issuers are offering lifetime free credit cards, providing a unique solution for those who want to enjoy the benefits of a credit card without the burden of recurring fees. In this blog, we’ll explore Life Time Free (LTF) Credit Cards of 2025, how they work, and whether they’re a good option for you.

The availability and terms of these cards may change. It’s crucial to research and compare these options based on your individual spending habits and needs. #LifeTimeFree #CreditCards #CCGEEK #CCGEEKS

2025 is shaping up to be a great year for credit card users seeking long-term value. Several banks are offering “lifetime free” credit cards, meaning no annual fees for the life of the card. These cards often come with competitive rewards programs, cashback offers, and other perks. Researching and comparing these options can help you find the best fit for your spending habits and maximize your rewards thru Life Time Free (LTF) Credit Cards of 2025.

What is a Lifetime Free Credit Card?

A lifetime free credit card is a credit card that does not charge any annual fees for its entire lifespan. This means you won’t be billed every year for simply having the card, which can be a significant advantage if you’re looking to avoid extra expenses. These cards are typically offered by banks and financial institutions with the goal of attracting new customers who want to access credit facilities without ongoing costs.

Some lifetime free credit cards may also waive other charges like joining fees, renewal fees, and other service fees, making them an even more appealing choice thru Life Time Free (LTF) Credit Cards of 2025.

Key Benefits of Lifetime Free Credit Cards

  1. No Annual Fees: The most obvious benefit is that you won’t be charged an annual fee. Many traditional credit cards charge anywhere from ₹500 to ₹10,000 or more every year, which can add up over time, especially if you have multiple credit cards. Lifetime free cards eliminate this cost, allowing you to save money in the long run.
  2. Good for Budget-Conscious Consumers: For those who are looking to manage their finances efficiently, a lifetime free credit card offers a great way to access credit without incurring additional expenses. If you’re the type who prefers to keep your budget as streamlined as possible, this is an excellent option.
  3. No Pressure to Spend: Many credit cards incentivize you to spend more to “justify” paying an annual fee, often with perks tied to reaching spending milestones. With lifetime free credit cards, you don’t have the pressure to meet a minimum spending target just to make your card worth it. You can use the card as much or as little as you need without worrying about paying for the privilege of carrying it.
  4. Access to Credit Without Hidden Costs: If you’re new to credit or want to build your credit score, a lifetime free credit card offers a great opportunity to do so. Since you’re not paying an annual fee, your credit utilization remains the main factor affecting your credit score. Plus, many lifetime free cards come with competitive interest rates (though you should always try to pay your balance in full each month to avoid interest charges).
  5. Rewards and Cashback Offers: Even though these cards are free of annual charges, many issuers still offer rewards, cashback, or discounts on various purchases, including dining, shopping, and travel. Some lifetime free cards even come with access to exclusive offers or discounts at partnered retailers or online stores.

What to Watch Out For with Lifetime Free Credit Cards

While lifetime free credit cards seem like a dream come true, there are still a few things you need to consider before applying for one.

  1. Higher Interest Rates: Some lifetime free cards may charge higher interest rates compared to cards with annual fees. This means that if you carry a balance, you could end up paying more in interest. Always aim to pay off your balance in full to avoid interest charges.
  2. Limited Rewards or Benefits: Many lifetime free credit cards don’t come with the same rewards or perks as their fee-paying counterparts. While some may still offer cashback, travel points, or discounts, the rewards programs could be less generous. If you’re a heavy spender who relies on rewards, you may find this limiting.
  3. Eligibility Criteria: Some lifetime free cards might have stricter eligibility requirements than regular cards. These could include a higher credit score, a stable income, or a longer credit history. Be sure to review the eligibility criteria before applying.
  4. Fees on Specific Services: While the card may be “lifetime free,” issuers may charge fees for certain services, such as cash advances, foreign currency transactions, or late payments. Always read the fine print to understand what services could still incur fees.
  5. Limited Access to Premium Services: Lifetime free cards often come with basic features, which means you may not get access to premium services like concierge support, airport lounge access, or exclusive event invitations, which are typically available with cards that charge an annual fee.

“Procrastination is like a credit card: it’s a lot of fun until you get the bill”

Christopher Parker

HDFC MoneyBack Credit Card

Rewards:

  • 10X CashPoints (3.3% Valueback) on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 2 CashPoints per ₹150 spent on other spends; 1 CashPoint = ₹0.25
  • 500 Cash Points as Welcome/Renewal Benefit upon membership fee payment

Benefits:

  • Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
  • Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants)
  • 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

Axis Bank Neo Credit Card

Rewards:

  • Receive EDGE REWARDS points for transactions and use them to redeem 500+ rewards and offers
  • Earn 1 point for every ₹200 spent on the Neo Credit Card.
  • 100% cashback up to ₹300 on first utility bill payment within first 30 days of card issuance

Benefits:

  • 40% off on Zomato (Max. ₹120 per order)
  • 10% off on Blinkit (Upto ₹250 off on min. spend of ₹750, once a month)
  • 5% off on Utility Bill Payments via PayTM
  • 1% Fuel Surcharge waiver on fuel transactions

ICICI Bank Platinum Chip Card

Rewards:

  • 2 reward points per ₹100 spent on retail purchases
  • 1 reward point per ₹100 spent on insurance & utilities, including government transactions

Benefits:

  • Get movies and travel vouchers, lifestyle products and other merchandise against your reward points
  • Save up to 15% on dining bills at over 2,500 restaurants across the country using your ICICI Credit Card
  • 1% fuel surcharge waiver on Hindustan Petroleum fuel pumps on your transactions of up to ₹4000

SBI SimplySAVE Credit Card

Rewards:

  • Earn 1 Reward Point on every ₹150 that you spend using the SimplySAVE SBI Card (4 Reward Points = ₹1)
  • Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts
  • 10x Reward Points: Enjoy 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores and Grocery Spends.

Benefits:

  • Get freedom from paying the 1% fuel surcharge at any petrol pump. Transact an amount between ₹500 to ₹3,000 at any petrol pump in India to avail this offer
  • Get annual membership fee reversal from second year of your subscription by spending 100000 in the previous year.

HDFC Biz Grow Credit Card

Rewards:

  • Earn 2 Cash Points on every ₹150 spent for your business needs
  • Earn 10X Cash Points on your select Business spends such as Bill Payment via Payzapp & SmartPay,  GST, Income/Advance Tax payment, Hotel & flight booking on MMT MyBiz, Dmart, Cleartax, etc.
  • Maximum 1,500 Cash Points per statement cycle. 1000 CP = ₹250

Benefits:

  • Get a Gift voucher worth ₹250 on making one transaction on your Biz Grow Credit card within first 37 days of card issuance
  • Get up to 20% savings on all your restaurant bill payments with Swiggy Dineout on paying via Swiggy App
  • 1% fuel surcharge waiver at all fuel stations
  • Earn 2000 CashPoints every quarter on your quarterly spends of ₹1,00,000

Life Time Free (LTF) Credit Cards of 2025




HDFC Millennia Credit Card

Rewards:

  • CashBack will be given in the form of CashPoints. The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
  • The minimum CashPoint balance required for redemption against the statement balance is 500 CashPoints.
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = ₹0.30

Benefits:

  • 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
  • 1% cashback on all other spends (except Fuel, Wallet, EMI, Govt transactions)
  • ₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter
  • Upto 20% discount on partner restaurants via Swiggy Dineout

HDFC Diners Club Privilege Credit Card

Rewards:

  • 4 Reward Points for every ₹150 spent
  • Redeem reward points for higher value on the Exclusive Privilege Dining Catalogue
  • Travel benefits: Upto 10X Rewards on Booking flight tickets / stays across 150+ hotels at https://offers.smartbuy.hdfcbank.com/diners

Benefits:

  • ‘Buy 1 Get 1 Free’ on movie/non-movie weekend tickets via BookMyShow
  • 5X Reward Points on Swiggy and Zomato
  • Complimentary Annual Memberships of Swiggy One and Times Prime as Welcome Benefit
  • ₹ 1,500 worth Marriott, Decathlon & more vouchers on quarterly spends of ₹1.5 lakh
  • 2 Complimentary Airport lounge access every calendar quarter worldwide

HDFC PIXEL Play Credit Card

Rewards:

  • 5% Cashback on choice of any two packs
  • 5% Cashback on Smartbuy
  • 3% Cashback on choice of any one E-commerce merchant
    ​​​​​​​- Amazon or Flipkart or PayZapp
  • 1% Unlimited Cashback across all other spends
  • 1% Cashback on UPI Spends 

Benefits:

  • 10% Cashback on Dining Spends Via PIXEL RuPay Credit Card UPI Scan & Pay
  • Get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout
  • Cashback will be credited in the form of PIXEL CashPoints and can be easily managed under the rewards section of the PIXEL Homepage in Payzapp
  • Upon the accumulation of 1000 PIXEL CashPoints, they can be redeemed easily to the PayZapp Wallet and used to purchase your choice of brand vouchers within PayZapp digitally.

IndusInd Legend Credit Card

Rewards:

  • 1 reward point for every ₹100 spent on weekdays
  • 2 reward points for every ₹100 spent on weekends
  • 4000 bonus reward points on spending ₹6 lacs or more in a year

Benefits:

  • One complimentary lounge visit per quarter via Priority Pass membership for you and your partner.
  • Complimentary movie tickets once a month
  • Annual value of reward points earned on an average spend of ₹30,000 per month. (450 points per month)

IndusInd Tiger Credit Card

Rewards:

  • Earn 1 Reward Point on every ₹ 100 spent. You can earn upto 6 Accelerated Reward Points on every ₹100
  • Maximum reward points allowed for cash redemption will be 5000 per calendar month
  • 1 Reward Point = 1.2 (Airmiles) or ₹0.40 (Cash Credit)

Benefits:

  • Golf – 1 Complimentary Game or Lesson per Quarter
  • One complimentary movie ticket upto ₹500 on BookMyShow every 6 months in a calendar year
  • 2 Complimentary Domestic Lounge Access in a quarter and 2 International Lounge Access in a year via Priority Pass
  • 1.50% Discounted Forex Mark-up Fee

IndusInd EazyDiner Visa Platinum Credit Card

Rewards:

  • Earn up to 2 Reward Points on every ₹100 spent
  • Instant redemption of Reward Points against restaurant bills for extra discount
  • Prime-exclusive benefits like 2X EazyPoints and redeem them for FREE luxury hotel stays & FREE meals

Benefits:

  • 500 welcome bonus EazyPoints
  • Enjoy 3 months EazyDiner Prime membership worth ₹1,095. Enjoy GUARANTEED 25% up to 50% OFF at over 2000+ premium restaurants & bars
  • Extra instant ₹500 off when you eat out
  • You can get 2000 Reward Points upon spending ₹30,000 every 90 days.

Life Time Free (LTF) Credit Cards of 2025




IndusInd Aura Edge Credit Card

Rewards:

  • Earn up to 8X Reward Points on select merchant categories.
  • 1 Reward Point = Re 0.50 or 0.5 airline mile
  • Flexibility to choose from 4 reward plans: 1. Platinum Aura Edge Welcome, 2. Platinum Aura Edge Travel, 3. Platinum Aura Edge Freedom, 4. Platinum Aura Edge Assurance

Benefits:

  • Enjoy various discount vouchers from multiple brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, Raymond, Hush Puppies and more.
  • 1% Fuel Surcharge Waiver

IndusInd RuPay Platinum Credit Card

Rewards:

  • Earn 1 Reward Point for every ₹ 100 on non UPI transactions
  • Earn 2 Reward Points on every ₹ 100 transaction done through UPI

Benefits:

  • Credit Card enabled on UPI
  • RuPay Exclusive Lounge Access at DEL T3 Terminal
  • 1% Fuel Surcharge Waiver

Yes Bank ACE Credit Card

Rewards:

  • 8 YES Rewardz Points On every ₹200 for Online Shopping
  • 4 YES Rewardz Points On every ₹200 for Offline Shopping
  • 2 YES Rewardz Points On every ₹200 on Select categories
  • Maximum cap of 5000 reward points per statement cycle

Benefits:

  • Earn reward points on your spends and redeem with YES Rewardz
  • 1% fuel surcharge waiver for transaction between ₹400 – ₹5,000
  • Apply online and get a Free Amazon voucher worth ₹500* on spending ₹1000 within first 30 day

Yes Bank ELITE+ Credit Card

Rewards:

  • 12 YES Rewardz Points On every ₹200 for Online Shopping
  • 6 YES Rewardz Points On every ₹200 for Offline Shopping
  • 4 YES Rewardz Points On every ₹200 on Select categories.

Benefits:

  • Enjoy waiver of 4 Green Fee at select golf courses in India
  • Access to airport lounges internationally for Mastercard and Visa cards
  • 2 complimentary Domestic Airport Lounge visit in India per calendar quarter for Primary Cardmember
  • 1% Fuel surcharge waiver at fuel stations across India for transaction between ₹400 to ₹5,000

Yes Bank RuPay Platinum Credit Card

Rewards:

  • 4 reward points On every ₹200 spent on UPI transactions above ₹2000
  • 2 reward points On every ₹200 spent on all online spends
  • Minimum 1% of transaction value or ₹1 whichever is higher will be levied on all Wallet transactions.

Benefits:

  • Power of UPI payments using Credit Card
  • Convenience of Virtual only Card. No physical card plastic will be issued
  • 1% Fuel Surcharge waiver on fuel transactions

Life Time Free (LTF) Credit Cards of 2025




AXIS Bank MyZone Credit Card

Rewards:

  • Earn four EDGE REWARD points for every ₹200 spent
  • Save up to ₹1,000 at AJIO on minimum purchases of ₹2,999 using the coupon code AJIOAXISMZ

Benefits:

  • Enjoy 100% discount on your second movie ticket booked via District app
  • Receive a Sony LIV Premium annual subscription valued at ₹1499 for free with your first purchase within the first 30 days
  • Flat ₹120 off on food delivery at Swiggy
  • Benefit from one complimentary access per calendar quarter to select domestic airport lounges

AXIS Bank Fibe Credit Card

Rewards:

  • 3% cashback on food delivery, entertainment & local commute
  • 2 CashPoints per ₹150 spent on other spends; 1 CashPoint = ₹0.25

Benefits:

  • Enjoy 4 complimentary domestic lounge visit at selected airports per calendar year basis your spends of last 3 months.
  • 1% Fuel surcharge waiver is applicable for fuel spends between ₹400 & ₹5000. Max waiver up to ₹400 per month.
  • Indulge in delectable cuisines with Axis Bank Dining Delights offering 15% off up to ₹500 at 10,000+ partner restaurants across India with EazyDiner.

RBL Bank Shoprite Credit Card

Rewards:

  • Earn 20 reward points for every ₹100 spent on Grocery shopping. 2,000 Reward Points as Welcome Benefit
  • Earn 1 reward point for every ₹100 spent on other purchases.

Benefits:

  • Avail 10% Discount on Movie Tickets at BookMyShow
  • Get a waiver of the fuel surcharge at all fuel stations
  • Get a 10% discount (up to ₹100) on movie tickets on BookMyShow 15 times a calendar year.

RBL Bank World Safari Credit Card

Rewards:

  • Earn 2 Reward Points for every eligible domestic retail transaction worth ₹100.
  • Earn 5 Reward Points for every eligible retail transaction worth ₹100 spent on Travel purchases.
  • Earn 10,000 bonus reward points on spending of ₹2.5 lacs or more in a membership year.
  • Earn 15,000 bonus reward points on spending of ₹5 lacs or more in a membership year.

Benefits:

  • 0% markup on any foreign currency transactions.
  • Get easy access to premier golf courses across India.
  • Receive a welcome gift of MakeMyTrip voucher worth ₹3,000.
  • 2 complimentary domestic lounge visits every calendar quarter & 2 complimentary international lounge visits every calendar year

RBL Bank PolicyBazaar Duet Credit Card

Rewards:

  • Enjoy 1% cashback on all Retail outlets and online Transactions
  • Cashbacks on all your Credit Cards spends

Benefits:

  • Transfer money from your Paisabazaar Duet credit-line to bank account within minutes
  • 1% Fuel Surcharge waiver on fuel transactions

Life Time Free (LTF) Credit Cards of 2025




ICICI Coral Rupay Platinum Credit Card

Rewards:

  • Get reward points on every rupee you spend

Benefits:

  • Reward Points on transactions
  • Complementary access to specific airport and railway lounges across India
  • Personal Accident Cover of up to ₹2 lakh.
  • 1% Fuel Surcharge waiver on fuel transactions

ICICI AmazonPay Credit Card

Rewards:

  • Earn 5% cashback on your spends on Amazon India if you are a member of Amazon Prime.
  • Earn 3% cashback on your spends on Amazon India even if you are not a member of Amazon Prime.
  • Use this card on Amazon Pay and earn 2% cashback on payments to 100+ partner merchants.
  • Earn 1% cashback on your other expenses such as shopping, dining, insurance payments, travel and much more.

Benefits:

  • No cost EMI – 3&6 month on Amazon.in
  • No limit or expiry date on the rewards earned using this card
  • You get a waiver of 1% on fuel surcharge payments each time you refuel.
  • Reward earnings can be used to purchase from over 10 crore products at www.amazon.in and at more than 100 Amazon Pay partner merchants.

AU Bank LIT Credit Card

Rewards:

  • 10X or 5X Reward Points on all online domestic & international retail transactions
  • 10X or 5X Reward Points on all POS & Contactless offline domestic & international transactions
  • Cardholders can earn a maximum of 10000 Reward Points in a statement cycle.

Benefits:

  • India’s 1st customizable Credit Card
  • Select features as per your lifestyle and pricing as per your need
  • Switch features ON/OFF as you wish
  • Manage & Track features in real time
  • Airport lounge access – Up to 4 visits per 90 days
  • 1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000

AU Bank ixigo Credit Card

Rewards:

  • Up to 10% Discounts on Flight Bookings
  • Earn 20 Reward Points for every ₹200 spent on Train Bookings with ixigo
  • Earn 10 Reward Points for every ₹200* spent on online purchases
  • Earn 5 Reward Points for every ₹200* spent offline
  • Kick-start your adventure with 1000 Reward Points and ₹1,000 ixigo money vouchers on your very first successful transaction within the initial 30 days of Credit Card issuance.

Benefits:

  • Enjoy a 10% discount* on Flight Bookings up to ₹1,000 (Promo Code: IXIGOCCFLY)
  • Wave goodbye to PG Charges on train bookings*
  • Enjoy 10% Off* on Bus Bookings up to ₹300 (Promo Code: IXIGOCCBUS)
  • Receive a 10% Instant Off* on Hotel Bookings up to ₹1,000 (Promo Code: IXIGOCCSTAY)
  • 1 Complimentary International Lounge Access every year
  • 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
  • Shop globally without worries, as you enjoy a zero mark-up fee on international purchase

AU Bank InstaPay Credit Card

Rewards:

  • Earn 1% cashback on UPI transactions across Departmental Stores, Dining, Pharmacy, and Grocery & Supermarkets. (Maximum ₹100 per statement cycle)

Benefits:

  • Virtual only Credit Card, Scan and pay on any merchant QR code
  • Enjoy up to 48 days of interest-free breathing space with every AU InstaPay transaction. Get more time to manage your finances on your own terms.
  • 1% Fuel Surcharge Waiver for fuel transactions done between ₹400 and ₹5,000, across all fuel stations in the country (Maximum ₹100 per statement cycle)

Life Time Free (LTF) Credit Cards of 2025




AU Bank Flex Credit Card

Rewards:

  • Earn 6 Rewards Points for every ₹200 spent on Utilities, Grocery & Departmental stores, and Education category spends
  • Earn 4 Rewards Points for every ₹200 spent on Online Spends
  • Earn 2 Rewards for every ₹200 spent on Points on Offline Spends
  • Get 500 Reward Points with your first transaction within 30 days of Card Setup

Benefits:

  • 5% Cashback* on Ola bookings
  • Earn Double Reward Points on retail spends greater than ₹50,000 in a calendar quarter. All spends earning 6X Reward Points will earn 12X Reward Points, 4X Reward Points will earn 8X Reward Points and 2X Reward Points will earn 4X Reward Points. (X represents – 1 Reward point earned for every ₹200 spent)
  • Get 1% Fuel Surcharge Waiver for all fuel transactions between ₹400 and ₹5,000
  • Enjoy 2 Railway Lounge Accesses per quarter
  • Get up to 30% discount at our selected 300+ partnered restaurants in 30 cities

AU Bank NXT Credit Card

Rewards:

  • On online and offline spends, the card offers 4x and 2x reward points
  • On select categories such as, utilities, education, grocery and departmental stores the card offers 6x reward points
  • On spends greater than ₹50,000 in a quarter, the cardholders can avail themselves of Quarterly Milestone Benefit of double reward points

Benefits:

  • On selected categories, the card offers cashback of up to 5.00%
  • Offers up to 30% discount with dining partners
  • Offers two railway lounge access every quarter
  • Provides multiple offers on Swiggy, Ola, Zomato and others
  • For fuel transactions between ₹400 and ₹5000, the card offers fuel surcharge waiver of 1.00%

Kotak Bank 811 Credit Card

Rewards:

  • 10X CashPoints (3.3% Valueback) on Amazon, BigBasket , Flipkart, Reliance Smart SuperStore & Swiggy
  • 2 CashPoints per ₹150 spent on other spends; 1 CashPoint = ₹0.25
  • 500 Cash Points as Welcome/Renewal Benefit upon membership fee payment

Benefits:

  • Get ₹500 gift voucher on spends on ₹50,000 per calendar quarter
  • Get up to 20 % savings off on all your restaurant bill payments via Swiggy Dineout (20k + restaurants)
  • 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹250 per statement cycle)

Kotak Bank League RuPay Credit Card

Rewards:

  • Earn 2 reward points for every ₹100 spent online
  • Earn 1 reward points for every ₹100 spent offline
  • Spend ₹5000 within the first 45 days of card issuance and receive 500 bonus reward points

Benefits:

  • Spend ₹75,000/- in a year and get 4 free PVR tickets OR cashback of ₹750/-
  • The 1% fuel surcharge waiver is applicable on transactions that range between ₹500 and ₹3,000. Avail of a maximum fuel surcharge waiver of ₹3,500 in each calendar year.
  • Save railway surcharge of 1.8% for transactions on www.irctc.co.in and 2.5% for transactions on Indian Railways Booking Counters.

Bank of Baroda Easy RuPay Credit Card

Rewards:

  • 1 Reward Point per ₹100 spent on all other categories
  • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20
  • Thrill yourself with 5X Rewards. i.e 5 Reward Points per ₹100 spent on Departmental Stores along with attractive deals & discounts across leading brands, round the year.

Benefits:

  • Catch the latest flicks on the big screen and earn yourself 5X Rewards. i.e 5 Reward Points per ₹100 spent on movies
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

Life Time Free (LTF) Credit Cards of 2025




Bank of Baroda Select Credit Card

Rewards:

  • 1 Reward Point per ₹100 spent on all other categories.
  • Thrill yourself with 5X Rewards. i.e 5 Reward Points per ₹100 spent on online spends, and revel with Attractive Deals & Discounts across leading brands.
  • Redeem your reward points as cashback. All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.20

Benefits:

  • It’s a foodie’s fiesta as you delight yourself with mouthwatering Culinary Offers, and Earn 5X Rewards. i.e 5 Reward Points per ₹100 spent on your Dining spends
  • Earn 500 Reward Points on spent of ₹5,000 within 60 days of card issuance.
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

Bank of Baroda Premier Credit Card

Rewards:

  • 2 Reward Points per ₹100 spent on all other categories*
  • Earn 5X Rewards. i.e 10 Reward Points per ₹100 spent on Travel & International Spends.
  • 500 bonus reward points on spends of ₹5,000 or more within 60 days of card issuance. 
  • All your accumulated reward points can be redeemed for cashback @ 1 reward point = ₹0.25

Benefits:

  • It’s a foodie’s fiesta as you delight yourself with mouthwatering Culinary Offers, and Earn 5X Rewards. i.e 10 Reward Points per ₹100 spent on your Dining spends
  • Complimentary Airport Lounge visit every quarter, at a long list of lounges.
  • Thrill yourself with Attractive Deals & Discounts across leading online & retail brands.
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000 (Max. ₹250 per statement cycle).

Bank of Baroda HPCL Energie Credit Card

Rewards:

  • Give ignition to your savings with up to 5% Savings (24 Reward Points per ₹150=4% Savings + 1% Fuel Surcharge Waiver) for fuel purchases at HPCL retail outlets, LPG purchases & through HP Pay App.
  • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories.
  • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance.

Benefits:

  • 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders
  • Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at District App.
  • 1% Fuel Surcharge waiver on all HPCL fuel transactions between ₹400-₹5000 including fuel purchases made through HP Pay App

Bank of Baroda Snapdeal Credit Card

Rewards:

  • Make shopping fun with 5% unlimited cashback (20 reward points per ₹100) for your purchases on the Snapdeal website & Mobile App.
  • Get 10 reward points for every ₹100 spent on online shopping & departmental stores, and 4 reward points for every ₹100 spent on other categories

Benefits:

  • Fuel up your passion for shopping and get your reward points auto credited as cashback to the monthly statement & 1% fuel surcharge waiver on all fuel transcations between ₹400 – ₹5000 (max. ₹250 p.m). 1 reward point = ₹0.25
  • Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
  • 1% Fuel Surcharge waiver on fuel transactions

OneCard Credit Cards

Rewards:

  • 1 Reward Point on every ₹50 spent
  • 5X rewards on Top 2 spend categories. Points are credited instantly and never expire. Just swipe right to redeem. No more rounding off, get even fractional points

Benefits:

  • India’s best metal credit card
  • Share limit with your family. They get their own One Credit Card with separate offers while you keep track and control of their spending.
  • 1% Fuel Surcharge waiver on fuel transactions

Life Time Free (LTF) Credit Cards of 2025




IDFC First WOW Credit Card

Rewards:

  • 1 Reward Point per ₹150 spent. 1 Reward point = ₹0.25
  • Up to 3X reward points on all UPI spends

Benefits:

  • No credit history and income proof required
  • Fixed Deposit(FD)-backed assured, premium credit card
  • Insurance premium payments and Utility bill payments will earn 1x reward points.
  • 1% Fuel Surcharge waiver on fuel transactions

IDFC First Millennia Credit Card

Rewards:

  • 1 Reward Point per ₹150 spent. 1 Reward point = ₹0.25
  • Earn up to 3X reward points on your spends

Benefits:

  • ₹500 gift voucher from your favourite brand as welcome offer
  • 25% off on movie tickets
  • 1% Fuel Surcharge waiver on fuel transactions
  • Complimentary railway lounge access

IDFC First Classic Credit Card

Rewards:

  • 2 Reward Point per ₹150 spent. 1 Reward point = ₹0.25
  • 10X Reward points on incremental spends above ₹20,000 per month and spends done on your birthday.
  • 3X Reward points on spends till ₹20,000 in a statement cycle

Benefits:

  • ₹500 gift voucher from your favourite brand as welcome offer
  • 25% off on movie tickets
  • 1% Fuel Surcharge waiver on fuel transactions
  • Complimentary railway lounge access

IDFC First Select Credit Card

Rewards:

  • Never-expiring Reward Points. 10x reward points on incremental spends above ₹20,000 per month and spends done on your birthday.
  • 3X reward points on spends till ₹20,000 in a statement cycle
  • 1X reward points on Insurance premium payments and Utility bill payments

Benefits:

  • Complimentary airport lounge access, meet and greet, transfer discounts
  • Low forex markup fee at just 1.99%
  • Buy-1-Get-1 movie ticket offer on District App
  • Complimentary golf rounds and lessons
  • 1% Fuel surcharge waiver

IDFC First Wealth Credit Card

Rewards:

  • Never-expiring Reward Points. 10X reward points on incremental spends above ₹20,000 per month and spends done on your birthday.
  • 3X reward points on spends till ₹20,000 in a statement cycle
  • 1X reward points on Insurance premium and utility bill payments earn 1X reward points.
  • 2 CashPoints per ₹150 spent on other spends; 1 CashPoint = ₹0.25
  • 500 Cash Points as Welcome/Renewal Benefit upon membership fee payment

Benefits:

  • Low forex markup at just 1.5%
  • Complimentary airport lounge privileges
  • Free trip cancellation cover of up to ₹10,000
  • Premium golf privileges
  • Buy-1-Get-1 movie ticket offer on District App
  • 1% Fuel surcharge waiver

Life Time Free (LTF) Credit Cards of 2025




IDFC First LIC Classic Credit Card

Rewards:

  • Accelerated rewards on LIC Premium payments
  • 6X Rewards on LIC Insurance Premium
  • 3X Rewards on Essentials (Grocery, Utilities, Railways, Education and Government payments) up to 300 RP per month
  • 3X Rewards on all Other spends
  • 1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25

Benefits:

  • 1,000 Rewards on spending first ₹5,000 within 30 days of card generation
  • 1 complimentary Domestic Airport Lounge access per quarter
  • 2 complimentary Railway Lounge access per quarter
  • Road-side Assistance & Insurance covers
  • Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month

IDFC First LIC Select Credit Card

Rewards:

  • 10X Rewards on LIC Insurance Premium spends
  • 5X Rewards on Essentials (Grocery, Utilities, Railways, Education and Government payments) up to 600 RP per month
  • 5X Rewards on all Other spends
  • 1X = 1 Reward point per ₹125 spent | 1 Reward point = ₹0.25

Benefits:

  • 2,000 Rewards on spending first ₹10,000 within 30 days of card generation
  • 2 complimentary Domestic Airport Lounge access per quarter 
  • 4 complimentary Railway Lounge access per quarter
  • Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹300/month.

Standard Chartered Platinum Rewards Credit Card

Rewards:

  • 5x reward points for every ₹150 spent at fine-dining outlets
  • 5x reward points for every ₹150 spent on fuel
  • 1x reward points for every ₹150 spent on other categories

Benefits:

  • Get instant approval on your application without any documentation
  • Spend of ₹500 or more within 30 days from card issuance to avoid levy of onetime fee of ₹250 
  • 1% Fuel Surcharge waiver on fuel transactions

HSBC VISA Platinum Credit Card

Rewards:

  • Earn 2 Reward points for every ₹150 you spend
  • 5X the reward points on any purchase made after spending ₹4,00,000 subject to a maximum cap of 15,000 accelerated reward points in an anniversary year

Benefits:

  • Convert your points into air miles with Air India’s Flying Returns, Etihad Airways, British Airways and Singapore Airlines. 
  • Make annual savings of up to ₹3,000 on fuel surcharges waived

Jupiter EDGE Co-Branded Edge Credit Cards

Rewards:

  • Assured 2% Cashback on either Travel, Dining, or Shopping spends
  • Assured 0.4% cashback on your international transactions
  • Assured 0.4% cashback on all other UPI and credit card spends

Benefits:

  • 1 free domestic airport lounge access every quarter
  • 1% Fuel Surcharge waiver on fuel transactions

Life Time Free (LTF) Credit Cards of 2025




Federal Bank Scapia Credit Card

Rewards:

  • 10% reward on every eligible online and offline spend
  • Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin (5 Scapia coins = ₹1)

Benefits:

  • Zero forex markup on all international transactions
  • Instant in-app repayment
  • 1% Fuel Surcharge waiver on fuel transactions

Federal Bank Signet Credit Card

Rewards:

  • Get 3x rewards on spends for Electronics & Apparel categories, 2x rewards on Entertainment category and 1x rewards for other categories.
  • Annual Percentage Rate (APR) starting from 0.69% p.m. (8.28% p.a.)

Benefits:

  • Get Amazon Pay e-Voucher worth ₹200 on minimum spend of ₹3,000 in first 30 days as Welcome Benefit.
  • Complimentary lounge access – Once per quarter at Domestic airports
  • BOGO Offers* (Buy One Get One) on INOX movie tickets, once a quarter.
  • Complimentary Swiggy vouchers on quarterly spend of ₹20,000
  • Gain access to a wide variety of Visa offers and deals, including travel, food and dining, shopping, sports, entertainment, lifestyle and much more.

Federal Bank Celesta Credit Card

Rewards:

  • Enjoy our bespoke 3-2-1 rewards structure curated for customers like you – 3x rewards on spends for Travel and International categories, 2x rewards on spends for Dining categories and 1x rewards for other categories.
  • Lowest dynamic Annual Percentage Rate (APR) starting from 0.69% p.m. (8.28% p.a.) to 3.49% p.m. (41.88% p.a.) depending on your Banking relationship with bank.

Benefits:

  • We welcome you with early benefits too! Get Amazon Pay e-Voucher worth ₹600 on minimum spend of ₹10,000 in first 30 days.
  • Avail benefits on MasterCard Wellness Pass, once your quarterly spends cross ₹75,000.
  • Complimentary Lounge Access at Airports- 2 International Lounges per year and 4 Domestic Lounges per quarter.
  • INOX offers you BOGO (Buy One Get One) movie ticket offer (up to ₹100 off), once a month.
  • 1% fuel surcharge waiver at all fuel stations across India.

AU Bank Xcite Credit Card

Rewards:

  • 2 Reward Points on every retail spend of ₹100 and 15 Reward Points on dining, movies, departmental stores, and groceries.
  • Redeem your earned Reward Points against a number of options available on the AU Rewardz portal.

Benefits:

  • Get up to 30% discount on dining across over 300 partnered restaurants.
  • 2 complimentary railway lounge access every quarter
  • Get free railway lounge access every year.
  • Get complimentary device protection and 1-year extended warranty on selected electronic products

AU Bank Xcite Ace Credit Card

Rewards:

  • 1% cashback on monthly spends of ₹7,500, 2% cashback on monthly spends of ₹12,500, and 3% cashback on monthly spends of ₹20,000.
  • The earned cashback is directly credited to your accounts

Benefits:

  • Up to 30% discount on dining across more than 300 restaurants.
  • 2 complimentary domestic airport and railway lounges access every quarter.

Life Time Free (LTF) Credit Cards of 2025




AU Bank Xcite ULTRA Credit Card

Rewards:

  • 4 RPs on every offline spend of ₹100, 8 RPs on every online spend, and 12 RPs on every international spend of ₹100
  • The earned reward points can be redeemed against various options via the AU Rewardz portal at a rate of 1 RP = ₹0.25.

Benefits:

  • Get up to 30% off on your dining spends
  • 2 free domestic airport and railway lounges
  • 1% Fuel Surcharge waiver on fuel transactions

PNB RuPay Platinum Credit Card

Rewards:

  • 1 Reward Points per ₹100 spent
  • You can redeem your earned Reward Points by logging in to the PNB Rewardz website. 1 Reward Point = ₹0.25.

Benefits:

  • 300+ reward points on 1st usage
  • Exclusive cash back in utility bills, eateries and restaurants etc.
  • 2 complimentary domestic and international lounge access
  • 1% Fuel Surcharge waiver on fuel transactions

PNB RuPay Select Credit Card

Rewards:

  • 2 Reward Points on every spend of ₹150.
  • 2X rewards points on retail merchandise
  • 1 Reward Point = ₹0.25 for redemption against various categories at the PNB Rewardz portal

Benefits:

  • 4 Complimentary domestic and international lounge access program
  • Exclusive cash back in utility bills, eateries and restaurants etc.
  • 1% Fuel Surcharge waiver on fuel transactions

PNB Patanjali RuPay Platinum Credit Card

Rewards:

  • Cashback @ 2% for all transactions over and above ₹2500. subject to a ceiling of ₹50/- per Transaction at Patanjali stores
  • 5-7% additional cashback given by Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi Card customers on recharge using PNB-Patanjali Credit Card.

Benefits:

  • 300+ reward points on 1st usage
  • Comprehensive insurance coverage
  • 1% Fuel Surcharge waiver on fuel transactions

PNB Patanjali RuPay Select Credit Card

Rewards:

  • 2X rewards points on retail merchandise
  • Cashback @ 2% for all transactions over and above ₹2500. subject to a ceiling of ₹50/- per Transaction at Patanjali stores
  • 5-7% additional cashback given by Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi Card customers on recharge using PNB-Patanjali Credit Card.

Benefits:

  • 300+ reward points on 1st usage
  • Complimentary Domestic and international Lounge Program.
  • 1% Fuel Surcharge waiver on fuel transactions



How to Choose the Right Lifetime Free Credit Card

Choosing the right lifetime free credit card depends on your spending habits and financial goals. Here are a few factors to consider:

Spending Patterns: If you spend heavily on certain categories (like groceries or dining), look for a card that offers rewards in those areas.

Credit Score: Some lifetime free cards may require a good to excellent credit score. Ensure that you meet the criteria before applying.

Rewards and Offers: Some lifetime free cards come with generous cashback, rewards points, or discounts, while others offer only basic features. Consider what’s important to you.

Additional Fees: Even though the card may not have an annual fee, check if there are charges for cash advances, foreign currency transactions, or late payments

Conclusion

Lifetime free credit cards are an excellent way to manage your finances, build credit, and enjoy the benefits of a credit card without the burden of annual fees. They are especially useful for people who prefer simplicity and don’t want to deal with hidden costs. However, like any financial product, it’s important to understand the terms and conditions, especially related to interest rates, fees on specific services, and eligibility requirements.

If used responsibly, a lifetime free credit card can be a valuable tool in your financial toolkit, offering flexibility, rewards, and peace of mind without the added stress of annual fees. Make sure to evaluate the options available, compare rewards programs, and choose the card that best fits your lifestyle.

Happy spending!

Disclaimer: This is not an exhaustive list, and the availability and terms of these cards may change. It’s crucial to research and compare these options based on your individual spending habits and needs.

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How did you like this article, Life Time Free (LTF) Credit Cards of 2025? Which LTF Credit Card you find tempting to apply for? Let us know your choice in the comments below. Please mention if we have missed any LTF Credit Card in this article.

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