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Lifetime free credit cards

48 credit cards whose bank documents say both the joining fee and the annual fee are nil.

Updated 18 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

AU Small Finance Bank

  1. CheQ AU Credit Card

    • Joining and annual fee

      ₹0

  2. Paytm AU Credit Card

    • Joining and annual fee

      ₹0

      Lifetime free, no joining or annual fee

BOBCARD

  1. BOBCARD One

    • Joining and annual fee

      ₹0

  2. BOBCARD Scapia Credit Card

    • Joining and annual fee

      ₹0

  3. ICAI Exclusive BOBCARD

    • Joining and annual fee

      ₹0

  4. ICSI Diamond

    • Joining and annual fee

      ₹0

  5. Indian Coast Guard RAKSHAMAH

    • Joining and annual fee

      ₹0

Canara Bank

  1. Mastercard Gold Secured Credit Card

    • Joining and annual fee

      ₹0

  2. RuPay Select Credit Card

    • Joining and annual fee

      ₹0

  3. VISA Gold Credit Card

    • Joining and annual fee

      ₹0

  4. VISA Platinum Credit Card

    • Joining and annual fee

      ₹0

  5. VISA Signature Credit Card

    • Joining and annual fee

      ₹0

DCB Bank

  1. DCB Niyo Credit Card

    • Joining and annual fee

      ₹0

  2. DCB novio Credit Card

    • Joining and annual fee

      ₹0

HSBC India

  1. HSBC Visa Platinum Credit Card

    • Joining and annual fee

      ₹0

ICICI Bank

  1. Alumni Credit Card

    • Joining and annual fee

      ₹0

  2. Amazon Pay ICICI Bank Credit Card

    • Joining and annual fee

      ₹0

  3. ICICI Bank Parakram Credit Card

    • Joining and annual fee

      ₹0

  4. ICICI Bank Parakram Select Credit Card

    • Joining and annual fee

      ₹0

IDBI Bank

  1. Aspire Platinum Credit Card

    • Joining and annual fee

      ₹0

  2. IDBI Bank LICCSL 'Elat' Credit Card

    • Joining and annual fee

      ₹0

  3. IDBI Bank LICCSL 'Lumine' Credit Card

    • Joining and annual fee

      ₹0

  4. Royale Signature Credit Card

    • Joining and annual fee

      ₹0

IDFC FIRST Bank

  1. FIRST Classic

    • Joining and annual fee

      ₹0

  2. FIRST Millennia

    • Joining and annual fee

      ₹0

  3. FIRST Select

    • Joining and annual fee

      ₹0

  4. FIRST Wealth

    • Joining and annual fee

      ₹0

  5. Quantum+ Credit Card

    • Joining and annual fee

      ₹0

Kotak Mahindra Bank

  1. Kotak Solitaire Credit Card

    • Joining and annual fee

      ₹0

      Nil (Rs. 25,000 will be charged if downgraded from Kotak Solitaire Program)

Punjab National Bank

  1. PNB SALARY RuPay Platinum Card

    • Joining and annual fee

      ₹0

  2. PNB SALARY RuPay Select Credit Card

    • Joining and annual fee

      ₹0

  3. PNB VISA Classic Card

    • Joining and annual fee

      ₹0

South Indian Bank

  1. Secured SIB One Co-Branded Credit Card

    • Joining and annual fee

      ₹0

Tamilnad Mercantile Bank

  1. Titanium Credit Card

    • Joining and annual fee

      ₹0

Unity Small Finance Bank

  1. Roarbank Credit Card

    • Joining and annual fee

      ₹0

  2. Unity Bank BharatPe Credit Card

    • Joining and annual fee

      ₹0

Utkarsh Small Finance Bank

  1. Utkarsh superCard

    • Joining and annual fee

      ₹0

  2. Wish Credit Card

    • Joining and annual fee

      ₹0

YES Bank

  1. AI Inside RuPay Credit Card

    • Joining and annual fee

      ₹0

  2. FinBooster Credit Card

    • Joining and annual fee

      ₹0

  3. Klick Credit Card

    • Joining and annual fee

      ₹0

  4. Max Credit Card

    • Joining and annual fee

      ₹0

  5. UNI RuPay Credit Card

    • Joining and annual fee

      ₹0