Indian credit card users are spoilt for choice. Many leading financial institutions in the country offer credit cards with a plethora of features and benefits. Low-interest rates, higher credit limits, rewards, teaming up with retail giants, and offering additional discounts are some tactics they use to woo customers.

Traditionally credit cards users have levied an annual fee that translated into huge outflows over a period of time. But with changing times offering a lifetime free credit card has emerged as a vital tool for lending institutions to attract customers and strengthen their market standing. 

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Best Lifetime Free Credit Cards In India with No Annual Fees

The list of lifetime free credit cards with no annual fee is not exhaustive. Numerous banks have ventured into this domain and offer lifetime free credit cards with no annual fee. But there is more that makes them the best in the league. Listed below are the 10 best lifetime free credit cards in India with no annual fees:

ICICI Bank Instant Platinum Credit Card is a zero annual fee credit card. It is issued against a fixed deposit at ICICI Bank and is therefore without any joining fee. Other than being a free annual fee credit card, the numerous benefits linked to the card are:

• It features built-in, contactless technology that enables quick and secure payments
• Earn reward points and redeem for lucrative offers and attractive gifts

Besides being a lifetime free credit card with no joining fee or annual fee, HSBC VISA Platinum Credit Card offers a flurry of benefits, rewards, and cash backs that make it the best pick in the category. Its other exclusive privileges include:

• Introductory benefits of up to Rs. 2,250 with three complimentary airport lounge access at domestic & international airports or 3 AirDine vouchers

IDFC FIRST Classic credit card is one of the most attractive among the best lifetime free credit cards in India as it offers an entire spectrum of benefits and rewards. Loaded with features, it's a must-have for every shopaholic. The exclusive features include:

• Lifetime free credit card with NIL over limit fee
• Lowest finance charges ranging between 0.75% - 2.99% per month

State Bank Of India, India's largest public-sector bank, made inroads into the zero annual fee credit card category with its SBI Unnati Credit Card. The key features of the card include:

• Zero card fee for the first four years of use.
• A subsequent fee of Rs.499 per annum

Specially designed for its 'Burgundy' customers, Axis Bank Select Credit Card offers no joining fee and is a zero annual fee credit card. The SELECT range of credit cards offers exclusive privileges to confer maximum lifestyle benefits. These include:

• Complimentary Amazon membership.
• Gift voucher of Rs. 2000 from Amazon on the first card spend within 90 days of card set up.