A lifetime free card costs nothing to hold, which makes it the right first card and a good long-term account to keep open — closing your oldest card shortens your credit history and can lower your score.
Amazon Pay ICICI Credit Card
ICICI Bank- Lifetime free — no joining or annual fee
- 5% back for Amazon Prime members on Amazon, 3% for non-members
- 2% back on partner merchants, 1% everywhere else
IDFC FIRST Select Credit Card
IDFC FIRST Bank- Lifetime free — no joining or annual fee
- 10X reward points on spending above ₹20,000 in a month
- Reward points never expire
Not sure which card fits?
Tell us where you spend and an advisor will tell you which card actually pays for itself.