It’s time to unlock a world of financial freedom with a lifetime-free credit card. These cards are packed with 100% benefits with zero added costs! So, get ready to say hello to a lifetime of rewards, perks, and savings without the burden of having to pay annual fees.

From generous cashback on everyday purchases to luxurious travel benefits and exclusive discounts at your favourite stores, these cards have it all. Whether you’re a savvy shopper, a globe-trotting adventurer, or just looking to stretch your budget, there’s a perfect zero-fee card waiting for you.

Lifetime-Free Credit Cards

Take a look at some of the best free credit cards of 2025. These cards aren’t just about convenience; they’ll put money back in your pocket with every swipe, provided you use them wisely.

Credit Card Alluring Perks Best Suited For
One Credit Card
  • 5X reward points on your top two spending categories
  • 1% fuel surcharge waiver
  • Daily Use
  • Fuel
AU Bank LIT Credit Card
  • 10X reward points on online and offline shopping
  • 1% fuel surcharge waiver
  • Earning Cashback 
  • Reward points
IDFC FIRST Millennia Credit Card
  • 3X loyalty points for in-store purchases
  • 25% off on movie tickets
  • Shopping 
  • Entertainment
IDFC FIRST Select Credit Card
  • 3X loyalty points for in-store purchases
  • 12 golf lessons and 4 complimentary golf rounds per year
  • Shopping 
  • Golf
METRO Kotak Credit Card
  • 0.25% to 1% cashback on purchases
  • Cashback
IDFC FIRST Classic Credit Card
  • 3X to 6X reward points
  • 25% discount on movie tickets
  • Shopping 
  • Entertainment
IndusInd Legend Credit Card
  • 2 reward points on weekend spending worth 100
  • Weekend Use
Jupiter Edge RuPay Credit Card
  • 2% cashback on dining, travelling and shopping
  • 0.4% cashback on UPI transactions
  • Shopping 
  • Travelling

Disclaimer: Features of credit cards may change over time as per the issuer’s policies. Please check the latest information before making a decision. 

Benefits of Lifetime-Free Cards

Listed below are some common benefits that you’ll enjoy with all of these lifetime-free cards, including:

  • Zero Joining and Annual Charges: You will be entitled to use the card without paying any joining fee or annual charges
  • Wide range of Services and Facilities: You can enjoy discounts and receive cashback on various purchases
  • Welcome Bonuses: From shopping vouchers to interest-free periods on cash advances, you can avail of an exclusive welcome bonus
  • Easy-to-match Eligibility Criteria: In most cases, lifetime-free cards have simple eligibility terms that help you qualify with ease 

Why would you settle for less when you can have it all? With these cards, you can enjoy 100% benefits with 0 fees. To discover the endless benefits of plastic money and start maximising your financial potential without spending an extra dime, consider the One Credit Card.

This credit card offers zero-cost EMI, which comes in handy when you are looking to make a big-ticket purchase. Whether it is a new AC or a laptop, you pay the amount using your card and split the payment across a time of your choosing without any added charges. 

You can also earn 5X reward points on your top two spending categories each month. What’s more, you can set budget limits for transactions across categories and use the app to manage your card like a pro. The OneCard App helps pay your rent and utility bills on time and without fail, too. Download the app now and apply online to get this card today!

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