In 2025, several lifetime-free credit cards in India cater to individuals seeking minimal documentation, accommodating those with lower CIBIL scores, and offering instant approval processes. Here are some top options to consider:
1. ICICI Bank Platinum Chip Credit Card
- Annual Fee: None
- Features:
- Earn 2 reward points for every ₹100 spent on retail purchases, excluding fuel.
- Enhanced security with embedded microchip technology.
- Suitable for individuals new to credit or those aiming to rebuild their credit history.
2. Amazon Pay ICICI Bank Credit Card
- Annual Fee: None
- Features:
- Up to 5% cashback on Amazon.in for Prime members and 3% for non-Prime members.
- 2% cashback on transactions with Amazon Pay partner merchants.
- 1% cashback on all other purchases.
- No joining or annual fees.
3. FinBooster: YES BANK – BankBazaar Co-branded Credit Card
- Annual Fee: None
- Features:
- Equipped with a credit fitness tracker to monitor and improve credit health.
- Earn 5x reward points on online dining spends and 3x on online grocery and apparel purchases.
- Ideal for those looking to build or repair their credit score.
4. RBL Bank BankBazaar SaveMax Credit Card
- Annual Fee: None
- Features:
- 10% cashback on Zomato and discounts on BookMyShow.
- Complimentary monthly credit advisory report to help track and improve credit health.
- Suitable for individuals with low credit scores aiming for instant approval.
5. Kotak 811 #DreamDifferent Credit Card
- Annual Fee: None
- Features:
- A secured credit card against a fixed deposit, making it accessible for those with low or no credit scores.
- Offers reward points on online and offline spends, fuel surcharge waiver, and milestone benefits.
- No income proof required due to the secured nature of the card.
6. HSBC Visa Platinum Credit Card
- Annual Fee: None
- Features:
- Earn 2 reward points for every ₹150 spent.
- Annual savings on fuel surcharge.
- Complimentary access to select airport lounges.
7. IDFC FIRST Select Credit Card
- Annual Fee: None
- Features:
- Complimentary access to domestic airport lounges.
- Earn up to 10x reward points on incremental monthly spends based on thresholds and on your birthday purchases.
- Low foreign exchange mark-up fee.
8. IDFC FIRST Millennia Credit Card
- Annual Fee: None
- Features:
- On spending more than ₹20,000 on cardholders’ birthday, the card offers 10x reward points.
- For spending up to ₹20,000 on online and offline purchases, the card offers 3x reward points.
- The card offers lifetime valid unlimited reward points.
9. Tata Neu Infinity HDFC Bank Credit Card
- Annual Fee: None
- Features:
- 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
- 1.5% back on other spends, including UPI spends via RuPay variant.
- Complimentary domestic and international lounge access.
10. Axis Bank My Zone Credit Card
- Annual Fee: None
- Features:
- Discounts on Swiggy for food orders.
- Buy One Get One (BOGO) offer on the District app by Eternal for entertainment and experiences.
- Complimentary domestic airport lounge access.
11. Axis Bank Neo Credit Card
- Annual Fee: None
- Features:
- 10% discount on popular platforms like Myntra, BookMyShow, and Swiggy.
- 1% fuel surcharge waiver across all fuel stations in India.
- Complimentary access to airport lounges.
12. BoB Premier RuPay Credit Card
- Annual Fee: None
- Features:
- Access to exclusive merchant deals from Bank of Baroda.
- Occasional RuPay JCB offers.
- Competitive reward rate of 2.5% on international transactions.
13. OneCard – Metal LTF Credit Card
- Annual Fee: None
- Features:
- Sleek metal form factor.
- Attractive spending offers that enhance the reward potential.
- Merchant discounts on platforms like Swiggy, Zomato, Amazon, Flipkart, and more.
14. IndusInd Bank Platinum Credit Card
- Annual Fee: None
- Features:
- Earn 1.5 reward points for every ₹150 spent.
- Fuel surcharge waiver across all petrol pumps in India.
- Comprehensive insurance coverage, including air accident and lost baggage insurance.
This card is suitable for individuals seeking a straightforward rewards program with added travel and fuel benefits.
15. Kotak Fortune Gold Credit Card
- Annual Fee: None
- Features:
- High cash withdrawal limit, up to 90% of the credit limit.
- Fuel surcharge waiver across all petrol pumps in India.
- Exclusive offers on movie tickets and dining.
Ideal for individuals who prefer higher cash withdrawal limits and benefits on fuel and entertainment.
16. SBI Unnati Credit Card
- Annual Fee: None for the first four years
- Features:
- 1 reward point for every ₹100 spent.
- Fuel surcharge waiver for transactions between ₹500 and ₹3,000.
- Accepted worldwide at over 24 million outlets.
Designed for new credit card users, this card offers basic benefits with no annual fee for the initial four years.
17. Bank of Baroda Prime Credit Card
- Annual Fee: None
- Features:
- 4 reward points for every ₹100 spent on groceries, departmental stores, and movies.
- 1 reward point for every ₹100 spent on other categories.
- Fuel surcharge waiver across all petrol pumps in India.
This card is suitable for individuals seeking rewards on everyday purchases and fuel benefits.
18. Tata Neu Infinity HDFC Bank Credit Card
- Annual Fee: None
- Features:
- 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
- 1.5% back on other spends, including UPI transactions via RuPay variant.
- Complimentary domestic and international lounge access.
Ideal for consumers who frequently shop at associated Tata brands and seek benefits across multiple spending categories.
19. Axis Bank My Zone Credit Card
- Annual Fee: None
- Features:
- Discounts on Swiggy for food orders.
- Buy One Get One (BOGO) offer on the District app by Eternal for entertainment and experiences.
- Complimentary domestic airport lounge access.
This card offers a range of discounts and is suitable for individuals who frequently shop online and dine out.
20. Axis Bank Neo Credit Card
- Annual Fee: None
- Features:
- 10% discount on popular platforms like Myntra, BookMyShow, and Swiggy.
- 1% fuel surcharge waiver across all fuel stations in India.
- Complimentary access to airport lounges.
This card is suitable for individuals seeking discounts on popular platforms and travel benefits without an annual fee.
Application Tips:
- Secured Credit Cards: If you have a low CIBIL score, consider secured credit cards that require a fixed deposit, increasing the likelihood of approval.
- Minimal Documentation: Many banks offer credit cards with minimal documentation requirements, often needing just basic KYC documents like Aadhaar and PAN cards.>
- Instant Approval: Some banks provide instant approval for eligible applicants, especially through online application platforms.
Before applying, ensure you meet the eligibility criteria and have the necessary documents ready. Responsible usage and timely payments can help improve your credit score over time.
