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7 Best Free Credit Card India

Credit card in India has become important payment instrument for the middle class and upper-class families. It eliminates a need of carrying cash and help you to do shopping without money. It also offers multiple lucrative benefits such as cash back and rewards. However, many people don’t opt for a credit card due to annual fees and charges. In order to help them here is a list of 7 Best Free Credit Card in India. These type of card are also known as life time free cards or credit cards with no annual fees.

7 Best Free Credit Card India

#1. Standard Chartered Platinum Reward Credit Card

standard chartered platinum credit card

First life time free credit card without any annual fee is Standard Chartered Platinum Reward Credit card.  A special advantage of Standard Chartered Platinum Reward Credit card is this card provides a lucrative offer of 20% cashback per month on Uber rides. This means you can save sustainable amount on Uber ride per year.

5 Best Premium Credit Card in India

Best Suited for – Salaried People

Additional Benefits –

  • No Annual and Joining Fees
  • Earn 5 reward points for every Rs.150 spend on dining outlets and on fuel.
  • 20% discount for first time user of the big basket.
  • 1000 reward points on the first transaction of a credit card.
  • Additional 500 reward points for registering online banking.

You can apply for Standard Chartered Platinum Lifetime Free Credit Card from Here.

#2. ICICI Platinum Chip Credit Card

free credit card

ICICI Platinum Chip credit card is life time free credit card. This card is claimed to be lifetime free card by ICICI. However, you need to Rs.50000 or above using this card to waive off annual fees.

Best Suited for – First-time credit card users

Features and Benefits –

  • 15% saving on dining bill
  • Fuel surcharge 1% waiver
  • Earn 2 payback point on every Rs.100 spent
  • Extra layer of security

Top 5 Best Business Credit Card in India

If we compare both Standard Chartered Platinum card with ICICI Platinum Chip card it is clear that Standard Chartered Platinum Card is a better choice.

Apply for ICICI Platinum Chip Credit Card.

#3 HSBC Visa Platinum Card

HSBC Visa Platinum Card is one of the best cards without any annual or joining fees. This card offers multiple benefits such as cash back, free movie voucher & fuel surcharge waiver.

Best Used for Cashback

Features and Benefits –

  • 10% cashback on all spends during first 90 days.
  • 15% discount as dining privileges in major cities.
  • Fuel Surcharge Waiver
  • Movie Voucher Offer
  • Multiple reward and discount on selected products.

#4 Kotak Royale Signature Credit Card

Kotak Royale Signature Credit card is lifestyle credit card. This card is offered with annual fees of Rs.999. However, this fees can be waived off at an annual spend of 1 Lakh.

Prepaid Credit Card in India – Types and Benefits

Best Used for Life Style Expenses

Features and Benefits –

  • 4x and 2x Reward points
  • Fuel Surcharge Waiver
  • Free access to Airport Lounge
  • 5 Lakh cover against fraudulent usage

#5 SBI Simply Save


SBI Simply Save is another best credit card. This card is not a free credit card. The annual fee of this card is Rs.499, this fee can be waived off if your annual spend is Rs.90000 or above.

Best Used for Reward and saving money

Features and Benefits –

  • Enjoy 10x Reward per Rs.100 spent on Dining, Movies, Department stores, and Grocery
  • Fuel surcharge waiver
  • Auto utility bill payment
  • Cash on the Go Facility

#6 HDFC Moneyback Card

free credit card

HDFC Moneyback as the name suggests it is best suited free credit card in India for Money back. The annual fees for this card can be waived off by spending Rs.50000 using this card.

Best Suited for Moneyback and Online Shopping

Features and Benefits –

  • 2x Reward Points on online shopping
  • Zero liability on lost card
  • Fuel Surcharge waiver

#7 Citibank Rewards Domestic Credit Card

Citibank Rewards Domestic Credit card is one of the best free credit cards in India. Annual fees of this card will be waived off if your annual spend is more than Rs.30000 per year. This card offers extensive rewards benefits on shopping.

Best suited for Rewards

Features and Benefits –

  • 10X Reward Points for every Rs125 spent at departmental store
  • 5% saving across participating restaurants
  • Personal Concierge Services
  • Gift Vouchers Benefits

Don’t forget to share 7 Free Credit card in India with your friends and relatives.

Do Share your experience about free credit card in the comment section.

Shitanshu Kapadia
Shitanshu Kapadia
Hi, I am Shitanshu founder of moneyexcel.com. I am engaged in blogging & Digital Marketing for 10 years. The purpose of this blog is to share my experience, knowledge and help people in managing money. Please note that the views expressed on this Blog are clarifications meant for reference and guidance of the readers to explore further on the topics. These should not be construed as investment , tax, financial advice or legal opinion. Please consult a qualified financial planner and do your own due diligence before making any investment decision.