Best Credit Card in India

We have listed down the top lifetime free credit cards in India offered by different banks across different categories such as shopping, travel, fuel, rewards, cashback, and cards with premium features.

CIBIL Score of 680 + & Income of Rs. 25,000 / month is the minimum requirement. 

IDFC First Bank Credit Card

Lifetime free Credit Card

✅ Buy one get one free on movie ticket 🎬
✅ 25% off on Restaurants and health club
✅ Zero interest on ATM withdrawals
✅ Free Road Assistance Service
✅ 6X Rewards on Online spend
✅ Personal accident Insurance cover & Lost card liability cover

📍Employment: Salaried or self-employed
📍Age Group: 21+ years
📍 Income: Rs.30,000/month for salaried & Rs.5 Lakh and above tax return for self-employed applicants
📍Credit Score: Above 710+
📍Available for residents of 50 cities. Please check PIN Code.
📍Existing customers of IDFC First Bank are not eligible.

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Salary Slip

Apply Now

FIRST Power Credit Card

₹199 Joining Fee

✅ 175 litres of Free Fuel Annually
✅ Welcome benefits worth ₹1,400
✅ 25% off on Movie Tickets
✅ Never Expiring Rewards
✅ 0% Interest on ATM Cash Withdrawals until due date
✅ Low & Dynamic Interest rates starting at 9% per annum

📍Employment: Salaried or self-employed
📍Age Group: 21+ years
📍 Income: Rs.30,000/month for salaried & Rs.5 Lakh and above tax return for self-employed applicants
📍Credit Score: Above 710+
📍Available for residents of 50 cities. Please check PIN Code.
📍Existing customers of IDFC First Bank are not eligible.

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Salary Slip

Apply Now

IndusInd Bank Credit Card

Lifetime free Credit Card

✅ Get instant reward points on expenditures
✅ Buy 1 Get 1 Free Movie Ticket
✅ Enjoy 1% Fuel Surcharge Waiver
✅ Enjoy pre-trip assistance
✅ 100% digital & paperless process
✅ Enjoy complimentary airport lounge access

📍Age Group : 21 – 60 years
📍Employment type: salaried (in Services), Self Employed (Small Businesses)
📍Annual income : 3 Lakh and above
📍Credit Score : Above 680 and no negative credit remarks

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Salary Slip

Apply Now

HDFC Bank Credit Card

Joining Fee – ₹500

✅ Exclusive reward points on purchases
✅ Cashback on spends made online across various merchants, including Amazon and Flipkart
✅ Complimentary domestic and international airport lounge access
✅ Vouchers on meeting minimum monthly spending criteria
✅ EMIs for transactions

📍Age: 21 years to 60 years (salaried) and 65 years (self-employed)
📍Minimum Income: Rs.20,000 monthly (salaried) and ₹6.0 Lakhs per annum (self-employed)
📍 Applicants must have a regular source of income.

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Kotak League Platinum

Lifetime free Credit Card

✅ 8 reward points on every Rs. 150 spent (excluding fuel and cash withdrawal)
✅ Joining gift of movie voucher worth Rs. 500
✅ 10000 reward points or 4 PVR tickets on the spends of Rs.1,25,000 in every 6 months
✅ Railway surcharge (maximum Rs.500) on IRCTC
✅ 1% Fuel Surcharge Waiver upto Rs. 3500 / annually
📍Customers must be 21 to 65 years of age
📍Occupation: Salaried/Self-employed
📍Minimum salary : 5 lakh per annum
📍Credit score: 700+

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Kotak PVR Platinum Card

0 Joining Fee Credit Card

✅ Get 2 free movie tickets every month up to ₹ 400 each
✅ No Joining Fee for the First Year
✅ Get 15% Cashback on Food & Beverages at PVR
✅ Enjoy a 5% Cashback on Movie Tickets at PVR Box Office.
📍Customers must be 21 to 65 years of age
📍Occupation: Salaried/Self-employed
📍Minimum salary : 5 lakh per annum
📍Credit score: 700+

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Indian Oil Kotak Card

Joining Fees ₹449

✅ Get 60 Litres fuel annually
✅ Save 4% as Reward Points on IndianOil Fuel Spends
✅ Get a personal accident insurance cover of INR 2,00,000
✅ Get 15% Cashback on Food & Beverages at PVR
✅ Annual fee of INR 449 waived on spending INR 50,000
✅1% fuel surcharge waiver & free Add-on card
📍Customers must be 18 to 65 years of age
📍Occupation: Salaried/Self-employed
📍Minimum salary : 4 lakh per annum
📍Credit score: 700+

Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Simply SAVE SBI Card

Joining Fees ₹449

✅ Welcome Benefits: Get 2000 bonus reward points worth ₹500 on spending ₹2000 in 60 days.
✅ 10X Reward Points on grocery shopping, dining & movies (4 reward points = ₹1)
✅ Fuel Surcharge Reversal up to ₹100 per month (on fuel bill between ₹500 to ₹3000)
✅ Annual membership fee is reversed from next year if total spend is more than ₹lakh in the previous year
✅ Free add on card for family members
📍Customers must be 23 to 65 years of age
📍Only Salaried employees with monthly salary above Rs.25,000
📍Minimum salary : 4 lakh per annum
📍Credit score: 700+
 
Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Bajaj Finserv RBL Bank Card

No joining for 1st year

✅ Up to 12x reward points on online spends
✅ Attractive discounts on shopping, dining, travel, & other categories
✅ Welcome benefits
✅ Easy rewards redemption
✅ Easy EMIs

📍Customers must be 23 to 65 years of age
📍Only Salaried employees with monthly salary above Rs.25,000
📍Minimum salary : 4 lakh per annum
📍Credit score: 750+
📍Rs. 999 + GST Annual Fee.
 
Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Bajaj Finserv RBL Bank Card

Lifetime Free Credit Card

✅ Zero joining fees
✅ Get a Lifetime Free Credit Card.
✅Upgrade from the feature of your existing credit card.
✅Get higher reward points, higher credit limit from your existing credit card.
✅Get exclusive cashbacks.

📍 The card is available only for new customers of AU Small Finance Bank.
📍The customer should be a resident of India.
📍The customer should be 18 years and above.
📍The card is available only for users who already have a credit card.
📍The customer should have at least 30,000 limit on his previous credit card.
 
Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

IRCTC SBI Credit Card

Joining Fees: Rs. 500

✅ 4 Free Railway Lounge Access/Year in India.
✅ Get 1% Off on IRCTC Ticket Bookings!
✅ Unlock Exclusive Travel Privileges at irctc.co.in!
✅ Earn 1 Reward Point/Rs. 125 on Non-Fuel Purchases! Redeem on IRCTC!
✅ Flexipay: Easy Monthly Installments Available

📍Employment: Salaried or self-employed
📍Age Group: 21+ years
📍 Income: Rs.30,000/month for salaried & Rs.5 Lakh and above tax return for self-employed applicants
📍Credit Score: Above 710+
 
Documents Required
⭐️  Aadhaar Card
⭐️ PAN Card
⭐️ Address proof
⭐️ Income proof: Bank statement (last 3 months), Salary slips (last 3 months)
Apply Now

Connect with us on WhatsApp,
If you want to know more

Contact Us