CardCheck Score
Very Good
Amazon Pay ICICI Bank Credit Card
ICICI Bank
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Best for Rewards on Amazon Purchases
Fuel WaiverHigh RewardsLow ForexShopping
Joining Fee
Free
Annual Fee
Free
Reward Rate
1–5%
APR
42–46%
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Zero Annual Fee Credit Cards
27 cards in this category•Updated September 2026•Verified against Bank MITC
Zero annual fee credit cards let you enjoy rewards, cashback and card benefits without paying any yearly charges. These cards are ideal for first-time cardholders or anyone who wants the convenience of a credit card without a recurring cost.
2026 Comparison Matrix
Top Ranked Zero Annual Fee Credit Cards
Verified Bank MITC Terms
Side-by-side comparisonSwipe right for full table
| Rank & Credit Card | Zero-Fee Score | Annual Fee | Top Category Perk | Quick Action |
|---|---|---|---|---|
 #1 Federal Bank#1 Leader Scapia | 94/100 Elite | FreeStandard fee | Up to 10% rewards on top categories | |
 #2 IndusInd Bank IndusInd Bank Tiger | 94/100 EliteOverall: 91 | FreeStandard fee | Up to 6% rewards on top categories | |
 #3 Axis Bank Scapia | 94/100 EliteOverall: 90 | FreeStandard fee | Up to 4% rewards on top categories | |
 #4 AU Small Finance Bank AU ixigo | 94/100 EliteOverall: 81 | FreeStandard fee | Up to 2.5% rewards on top categories | |
 #5 IDFC FIRST Bank IDFC FIRST Millennia | 94/100 EliteOverall: 79 | FreeStandard fee | Up to 2.5% rewards on top categories |
27 cards found
Frequently asked questions
- Which is the best lifetime free credit card in India?
- The Amazon Pay ICICI Card is widely considered the best lifetime free credit card in India, offering 5% unlimited cashback for Prime members with ₹0 joining fee and ₹0 annual fee forever. IDFC FIRST Millennia and Select are also 100% lifetime free with low forex markup.
- What does lifetime free (LTF) credit card mean?
- A Lifetime Free credit card has zero joining fee and zero annual renewal fee for the entire duration you hold the card, with no minimum annual spending requirements.
- Are there hidden charges on lifetime free credit cards?
- No annual or joining fees are charged. However, standard fees like finance charges (APR) on unpaid revolving balances, late payment penalties, and GST on fees still apply if you do not pay your full statement balance on time.
- Do lifetime free cards offer reward points?
- Yes. Many LTF cards like the Amazon Pay ICICI Card or HSBC Platinum offer cashback or reward points, though they generally lack premium perks like airport lounge access.
- How can I convert an existing card to lifetime free?
- You can contact the bank customer service to ask if you qualify for an LTF conversion based on your spending history, or request a waiver if you meet their annual milestone spends.