Many top banks in India, including HDFC, Axis, and IDFC, are offering some of their best credit cards as lifetime free credit cards if you apply before February 2025. This is a one-time opportunity that you should not miss! In this article, we will discuss some of the best lifetime free credit cards in 2025, their benefits, and how you can apply for them.
1. HDFC Tata Neu Infinity Credit Card
Joining & Renewal Fee:
- Regular joining fee: ₹1,499 + GST (Waived if applied before Feb 2025)
- Renewal fee: ₹1,499 + GST (Waived on spending ₹3 lakh in a year)
Key Benefits:
- Welcome bonus of 1,499 NeuCoins (1 NeuCoin = ₹1)
- 5% NeuCoins on Tata Neu App transactions (Tata Brands like Air India Express, Titan, Tanishq, BigBasket, Croma, etc.)
- Extra 5% NeuCoins if Tata Neu Pass is activated (Total 10% NeuCoins)
- 1.5% NeuCoins on non-Tata brands
- 1.5% NeuCoins on Tata Neu UPI ID transactions
- Airport Lounge Access: 8 domestic & 4 international lounges per year
- Insurance Coverage: ₹1 crore accidental air death cover, ₹15 lakh overseas hospitalization coverage
- 1% Fuel Surcharge Waiver
Who Should Apply?
- Frequent shoppers at Tata partner brands
- Travelers who need lounge access
2. Kiwi Neon Virtual RuPay Credit Card
Lifetime Free: Yes (Neon Subscription required, free if applied before Feb 2025)
Key Benefits:
- UPI Cashback:
- 1% Cashback on UPI spends (without Neon subscription)
- 2% Cashback on UPI transactions up to ₹50,000 (with Neon subscription)
- 3% Cashback on UPI & online spends between ₹50,000 – ₹1 lakh
- 4% Cashback on spends between ₹1 lakh – ₹1.4 lakh
- 5% Cashback on spends over ₹1.5 lakh
- Lounge Access:
- 1 free access on ₹50,000 spend
- 2 free access on ₹1 lakh spend
- 3 free access on ₹1.5 lakh spend
Who Should Apply?
- Those who prefer virtual credit cards
- UPI users who want high cashback benefits
3. IndusInd Bank Tiger Credit Card
Lifetime Free: Yes
Key Benefits:
- Airport Lounge Access: 8 domestic + 2 international (Priority Pass)
- Low Forex Markup Fee: 1.5% for international transactions
- Entertainment Perks: 2 free movie tickets/month (worth ₹1,000)
- Golf Benefits: 4 complimentary golf games/lessons per year
- Reward Points:
- 1 point per ₹100 spent up to ₹1 lakh
- 2 points per ₹100 spent on ₹1 lakh – ₹2.5 lakh
- 4 points per ₹100 spent on ₹2.5 lakh – ₹5 lakh
- 6 points per ₹100 spent on over ₹5 lakh
- Points Redemption:
- 1 point = 1.2 air miles
- 1 point = ₹0.40 for cash credit
- 1% Fuel Surcharge Waiver
Who Should Apply?
- Frequent travelers (domestic & international)
- High spenders who want rewards & air miles
4. IDFC First Credit Cards (Wealth, Select, Millennia)
Lifetime Free: Yes
Key Differences:
- Wealth Credit Card (Eligibility: ₹36 lakh income)
- 8 domestic + 8 international lounge access
- ₹500 monthly movie ticket discount
- ₹1 crore air accidental cover
- Select Credit Card (Eligibility: ₹12 lakh income)
- 8 domestic lounge access
- ₹250 monthly movie ticket discount
- ₹1 crore air accidental cover
- Millennia Credit Card (Eligibility: ₹3 lakh income)
- 4 railway lounge access
- ₹100 monthly movie ticket discount
Rewards:
- 0.5% Cashback up to ₹20,000 monthly spends
- 1.66% Cashback on spends over ₹20,000/month
- 1% Fuel Surcharge Waiver
Who Should Apply?
- Those looking for high lounge access & movie benefits
- Salaried professionals meeting eligibility criteria
5. Axis MyZone Credit Card
Lifetime Free: Yes (if applied before Feb 2025)
Key Benefits:
- Welcome Benefit: SonyLiv Annual Subscription (worth ₹499)
- Movie Offers: Buy 1 Get 1 on movie tickets (₹200 max per month)
- Swiggy Discount: ₹120 off on food orders (twice a month, total savings: ₹2,880/year)
- AIO Discount: ₹1,000 off on orders over ₹2,999
- Dining Discount: 15% off (up to ₹500) via EazyDiner
- Lounge Access: 1 free airport lounge access (on spending ₹50,000 in last 3 months)
Who Should Apply?
- Movie & food lovers
- Those who frequently order online
6. RBL Shoprite Credit Card
Lifetime Free: Yes (if applied before Feb 2025)
Key Benefits:
- Groceries: 20 reward points per ₹100 spent (₹1,000 max reward points per month)
- Movie Offers: 10% discount (up to ₹100 per booking) on BookMyShow (15 times per year)
- Fuel Surcharge Waiver: 1%
- Rewards Redemption: Can be redeemed for vouchers (Swiggy, Zomato, TataCliq, etc.)
Who Should Apply?
- Grocery shoppers
- Moviegoers
Conclusion
All these credit cards are available as lifetime free if you apply before February 2025. Choosing the right credit card depends on your spending habits and preferences:
- Frequent travelers: IndusInd Tiger, IDFC Wealth, HDFC Tata Neu Infinity
- UPI spenders: Kiwi Neon RuPay Credit Card
- Movie lovers: Axis MyZone, IDFC Select, RBL Shoprite
- Online shoppers: Tata Neu Infinity, Axis MyZone
- Grocery shoppers: RBL Shoprite
Hurry and apply before February 2025 to grab these lifetime free offers!