Lifetime Free (No Annual Fee) Credit Cards with Grocery Shopping Offers in India 2026

Lifetime free card

3%-5% cashback on Amazon India
– Amazon Prime members : You earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback
– Non-Prime members : You earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on earning this special cashback
Exceptions-
– No casback is given on the following spends on Amazon India – physical and digital gold, all types of EMI transactions, Amazon Business transactions.
– 2% cashback is given on the following spends on Amazon India – Amazon gift card purchases, and e-book purchases.

2% cashback on 100+ Amazon Pay partners, by paying through your Amazon Pay Wallet : You earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants. Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc.

1% cashback on all other spends : You earn ₹1 on every ₹100 you spend on all other card purchases.

1% fuel surcharge waiver : You get fuel surcharge waiver at all fuel stations, on fuel transactions upto ₹4,000.

Welcome benefits (limited time offer) through Amazon account
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

Benefits
– Good reward rate on Amazon India – 5% unlimited cashback for Prime members, 3% unlimited cashback for non-Prime members.
– 2% unlimited cashback on over 100+ Amazon Pay Partners .
– Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the industry which have monthly restrictions on earning high rewards.

Drawbacks
– Cashback rate is low for non-regular Amazon users, and for those who prefer in-store shopping.
– No lifestyle benefits such as complimentary airport lounge access.
– 5% cashback is restricted to Prime members only

10% discount on Myntra - on a select catalogue
– You get a flat 10% discount on all orders above ₹500 (minimum order amount needs to be ₹500)
– There is no restriction on the number of times you can avail this discount. There is also no restriction on the maximum discount amount per order..
– Discount is applicable on a selected Myntra collection for Axis Neo customers

5% discount (upto ₹150 per month), on utility bill paid through Amazon Pay - mobile recharge || broadband bill payment || DTH recharge
– You can avail this offer 1 time per month
– You get 5% discount on your utility bill (mobile recharge, broadband bills or DTH recharge) paid through Amazon Pay
– This is valid only on bill payment upto ₹3000 per month, since the maximum discount is capped at ₹150 per monthly card statement cycle.

10% discount (upto ₹250) on Blinkit (online groceries) - once per month
– You can avail this offer 1 time per month.
– You get a 10% discount (upto ₹250) on Blinkit orders, on minimum orders of ₹750, once a month.
– Hence you get a 10% discount on orders between ₹750 and ₹2500, once a month. On orders above ₹2500, discount percentage will fall below 10%.

40% discount on Zomato (upto ₹120 per order), on 2 orders every month
– You get a 40% discount (upto ₹120) on Zomato orders, on minimum orders of ₹200, twice every month.
– Hence you get a 40% discount on orders between ₹200 and ₹300, on 2 orders every month. On orders above ₹300, discount percentage will fall below 40%.

10% discount (upto ₹100 per month) on movie tickets - at BookMyShow
– You get 10% discount, on total movie ticket purchases of upto ₹1000 per month (since maximum discount is ₹100 per month).
– On purchases above ₹1000, discount percentage will fall below 10%
– The discount can be availed any number of times, but the maximum discount is capped at ₹100 per month.

Dining benefits through EazyDiner (Dining Delight program), upto ₹500 per month
– This offer can be redeemed once every month.
– You get a 15% discount up to ₹500, at over 4000 restaurants nationwide. Minimum order amount required is ₹2500.
– Hence you get a 15% discount on orders between ₹2500 and ₹3333, on 2 orders each month. On orders above ₹3333, your discount percentage will fall below 15%.

0.10% benefit on all cards spends
– You earn 0.5 EDGE Reward point worth 10 paise, on every ₹100 you spend on all card purchases.

Benefits
– Attractive benefits at select partners – Myntra, Zomato, Blinkit, Amazon Pay (for bill payments), BookMyShow, EazyDiner.
– Low annual fee of ₹250. Lifetimefree card offers from time to time, and also on select channels.

Drawbacks
– You may need to look at other credit cards to get high rewards on other major spending needs like travel, fuel purchases etc.

Lifetime free card, exclusively for Indian Defence Personnel
– There is no annual fee charged on the card, the card is lifetime free.
– Welcome offer : You get a complimentary 3 month Disney Hotstar subscription, on card activation.

1.25% cashback on department store purchases, grocery purchases and movie spends
– You earn 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– Only on combined total purchases upto ₹20,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.
– 1 reward point = ₹0.25, and can be redeemed as cashback

0.25% cashback on all other spends
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed as cashback.
– Exceptions-
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 0.5 reward point worth 12 paise, on every ₹100 you spend.

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– On fuel transactions between ₹400 and ₹5,000 only AND
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Complimentary insurance benefits : You get free ‘Accidental Death Cover’ (Air & Non-Air : ₹20 lakhs), for financial protection of your family

Zero liability on lost card : In case you lose your credit card, you need to report loss of card immediately to ensure zero liability on any fraudulent transactions.

Benefits
– Lifetime free card, there is no annual fee
– Higher cashback of 1.25% on department store & grocery purchases, and also on movie spends

Drawbacks to consider
– You could get higher rewards on other cards.

Lifetime free card, exclusively for Assam Rifles Personnel

2.50% cashback on department store and grocery purchases – on purchases upto ₹10,000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions:
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Coast Guards Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on combined total purchases upto ₹10,000 spends per month , across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card billing cycle.

0.50% benefits on all other spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : you earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

Fuel surcharge waiver 
– You get 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per monthly card billing cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free card, exclusively for Indian Army Personnel

2.50% cashback on department store and grocery purchases
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed for cashback.
– This benefit is valid only on total purchases upto ₹10,000 spends per month, across these categories. Since you can earn a maximum number of 1000 reward points at this accelerated rate, per monthly card statement cycle.

0.50% cashback on all other card spends
– You earn 2 reward points worth ₹0.50 or 50 paise, on every ₹100 you spend on all other purchases. 1 reward point = ₹0.25, and can be redeemed for cashback.
– Exceptions :
1. Fuel : You earn no reward points
2. Spend categories like rent, education, utilities, government, insurance, charity, supermarket : You earn 1 reward point worth 25 paise, on every ₹100 you spend.

Complimentary access to airport lounges in India – 2 per quarter

Complimentary golf rounds / golf lessons – 1 per quarter

1% fuel surcharge waiver at all fuel stations across India 
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on upto ₹25,000 fuel spend per month, since the maximum waiver is capped at ₹250 per monthly card statement cycle

Benefits
– Lifetime free card, there is no annual fee
– Good cashback of 2.50% on department store and grocery purchases
– Complimentary access to airport lounges in India – 2 per quarter
– Complimentary golf rounds / golf lessons – 1 per quarter
– Simple reward redemption process, reward points can be converted to cashback

Drawbacks to consider
– Low rewards on non-shopping spends like travel, fuel, utility bills payments.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary domestic railway lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

Lifetime free card, exclusively for Indian Defence and Paramilitary personnel

1.25% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 5 reward points worth ₹1.25, on every ₹100 you spend in these categories
– This is valid only on total monthly purchases upto ₹20,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.25% benefit on all other spends (X)
– You earn 1 reward points worth ₹0.25 (25 paise), on every ₹100 you spend on all other purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary domestic airport lounge access – 1 time per quarter

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Fuel surcharge waiver, upto 250 per month : You get a 1% waiver fuel surcharge waiver-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 1.25% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary domestic airport lounge access – 1 time per quarter

Drawbacks to consider
– Reward rates on card spending are comparatively low.

No annual fee from 2nd year onwards

You need to choose any one, amongst the 4 rewards plans given below :
1. Shop Plan : 1.60% cashback on department store purchases || 0.80% cashback on purchase of consumer durables or electronic items || 0.60% cashback on restaurant bills & book purchases || 0.20% cashback on all other card spends
2. Home Plan : 1.60% cashback on grocery purchases || 0.60% cashback on medical spends || 0.56% cashback on electricity bills , mobile bills and insurance spends || 0.20% cashback on all other card spends
3. Travel Plan : 1.60% cashback on hotel expenses || 1% cashback on airline tickets || 0.60% cashback on rail tickets and car rental expenses || 0.20% cashback on all other card spends
4. Party Plan : 1.60% cashback on restaurant bills || 0.80% cashback on departmental store shopping, and on bars & pubs spends || 0.60% vashback on movie tickets || 0.20% cashback on all other card spends
(1 reward point =₹0.40 as cashback.You can also convert your reward points to Vistara Points and InterMiles at a slightly better rate, 1 reward point = 0.50 Club Vistara Point / 1 InterMile).

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Travel related insurance (Travel Plus Program), applicable on international travel
– Lost baggage upto ₹1 lakh
– Delayed baggage upto ₹25,000
– Loss of passport upto ₹50,000
– Lost ticket upto ₹25,000
– Missed connection upto ₹25,000

Benefits
– No annual fee from the 2nd year onwards
– Flexible rewards plan : You can choose any one out of the 4 plans available, and can earn upto 2% on the category of your choice, which is a good reward rate for a card which is free from the 2nd year onwards.

Drawbacks
– You would need to consider other cards, to earn rewards on other spends (other than the category you choose)