Lifetime Free (No Annual Fee) Credit Cards with International Spend Offers in India 2026

Guaranteed approval card against fixed deposit – no income proof required || no credit score required
– Minimum fixed deposit amount : ₹2000 for IDFC First Bank customers, ₹5000 for all others
– Minimum 100% credit limit against your fixed deposit.

Lifetime free card – zero annual fee : No annual fee is charged on your card.

0.66% benefit on all spends
– You earn 2.66 reward points worth 66 paise , on every ₹100 you spend on your card
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
Exceptions :
– No reward points are given on on fuel purchases, EMI transactions & cash withdrawals
– 0.16% benefit on insurance spends & utility bill payments : You earn 0.66 points worth 16 paise , on every ₹100 you spend on insurance spends & utility bill payments.

Zero forex transaction fee on international card spends

Fuel surcharge waiver, upto ₹200 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 and ₹5000, and
– Only on fuel purchases upto ₹20,000 per month (since the waiver amount is capped at ₹200 per monthly card statement cycle)

Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
– You can avail this benefit up to 4 times a year.

Complimentary insurance covers
– ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection, for online purchases on your card.
– ₹2 lakh ‘personal accident cover’, in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Benefits
– This card is ideal for individuals who may not have regular income AND/OR for those who do not have a good credit history – like students, first jobbers, homemakers, gig economy workers, senior citizens, travellers, and self-employed individuals. Hence it is a good starter card for beginners who are starting or rebuilding their credit journey.
– Credit card is lifetime free
– Zero forex conversion fee

Drawbacks to consider
– Low reward rate of 0.66%

Exclusively designed card for ICMAI members : All eligible & active members of ICMAI are eligible, subject to credit policy of BOB.

Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 5 reward point worth ₹1.25, on every ₹100 you spend in these categories. 1 reward point = ₹0.25, and can be redeemed as cashback.

0.25% cashback on all other card spends
- You earn 1 reward point worth ₹0.25, 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 0.50 reward point worth 12 paise, on every ₹100 you spend.

Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

Complimentary access to airport lounges in India – 3 per quarter

Reduced fee of 2% on international credit card transactions

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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter),
– Reduced fee of 2% on international card transactions.

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

▶︎ Exclusively designed card for ICSI members : All eligible & active members of ICSI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card 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 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

▶︎ Complimentary access to airport lounges in India – 3 per quarter

▶︎ Reduced fee of 2% on international credit card transactions

▶︎ 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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

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

▶︎ Exclusively designed card for ICAI members : All eligible & active members of ICAI are eligible, subject to credit policy of BOB.

▶︎ Lifetime free card
– The card has no annual fee, it is a lifetime free card.
– Welcome offers : You get 1000 reward points worth ₹250, on your 1st card transaction within 30 days of card issuance. You also get a FITPASS Pro membership for 6 months worth ₹15000.

▶︎ 1.25% cashback on ‘online spends’, dining spends and utility bill payments
– You earn 1 reward point worth ₹0.25 or 25 paise, on every ₹100 you spend on all other card 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 0.50 reward point worth 12 paise, on every ₹100 you spend.

▶︎ Milestone benefits : You get 4000 reward points worth ₹1000, upon spending 1 lakh OR till your credit limit (whichever is higher) on your card, within a calendar quarter.

▶︎ Complimentary access to airport lounges in India – 3 per quarter

▶︎ Reduced fee of 2% on international credit card transactions

▶︎ 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 spends upto ₹25,000 per month, since the maximum waiver is limited to ₹250 per monthly card statement cycle

▶︎ Complimentary insurance benefits : You get free insurance covers-
– Professional indemnity insurance cover of ₹5 lakhs
– Air accident death cover of ₹15 lakhs
– Non-air accident death cover of ₹5 lakhs

Benefits
– Lifetime free card, there is no annual fee
– Complimentary domestic airport lounge access (3 per quarter)
– Reduced fee of 2% on international card transactions

Drawbacks to consider
– You could get higher reward rates on other cards

Lifetime free card

Co-branded credit card by Tiger Fintech (a Bajaj Capital group company), with IndusInd Bank

Slabwise benefit, depending on level of annual card spend
– On annual card spend upto ₹1 lakh : You earn 1 reward point worth ₹0.40 cashback OR 1.2 airmiles, on every ₹100 you spend
– On annual card spend between ₹1 lakh & ₹2.50 lakh : You earn 2 reward points worth ₹0.80 cashback OR 2.4 airmiles on every ₹100 you spend
– On annual card spend between ₹2.50 lakh & ₹5 lakh : You earn 4 reward points worth ₹1.60 cashback OR 4.8 airmiles, on every ₹100 you spend
– On annual card spend above ₹5 lakhs : You earn 6 reward points worth ₹2.40 cashback OR 7.2 airmiles, on every ₹100 you spend
– 1 reward point = ₹0.40 cashback OR 1.2 airmiles (Club Vistara Points or InterMiles)
– Exceptions : No reward points are given on the following card spends – fuel, utility bill payments, insurance premium, government services, educational Institutes, real estate and rental payments.

Lets take 2 examples to get effective benefit rate :
✔︎ At ₹6 lakhs annual card spend, you would earn a total of 20000 reward points worth ₹8000 as cashback (1.3% benefit), OR 24000 airmiles (4% benefit)
✔︎ At ₹3 lakhs spend, you would earn a total of 6000 reward points worth ₹2400 as cashback (0.8% benefit), OR 7200 airmiles (2.4% benefit)

Complimentary access to airport lounges in India – 2 per quarter (through DreamFolks program)

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)

Complimentary golf benefits – 1 free golf round per quarter OR 1 free golf lesson per quarter

1 free movie ticket (upto ₹500), every 6 months – at BookMyShow
– You can get a maximum of 2 free movie tickets per year (upto ₹500 each)

Low fee (forex markup) of 1.50% on international card transactions

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

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.

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

Benefits
– Lifetime free card
– Good benefit rate on card spends, especially at higher annual card spends and if you convert your reward points to Club Vistara Points or InterMiles
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more
– Such reward rates and lifestyle benefits, are not easy to find in most lifetime free cards in India

Drawbacks
– You could earn higher reward rates, especially if you choose a card with annual fee