Best Lifetime Free RuPay Credit Cards in India 2024

Best Lifetime Free RuPay Credit Cards
Best Lifetime Free RuPay Credit Cards

In the realm of credit cards, finding an option that blends convenience with cost-efficiency is a top priority for many consumers. Among these, lifetime free credit cards stand out as particularly attractive financial tools, especially appealing to those looking to avoid extra fees. In India, RuPay credit cards have emerged as popular choices due to their lifetime free offerings. This article explores the best lifetime free RuPay credit cards available in India, detailing their benefits and how to secure one.

Also Read: Best RuPay Fuel Credit Cards in India 2024

What is a Lifetime Free Credit Card?

A lifetime free credit card incurs absolutely no annual, maintenance, or joining fees at any point during its usage. Unlike other cards that may waive these fees conditionally—such as requiring a minimum spend per year—lifetime free credit cards do not impose such constraints, making them truly cost-free for the cardholder.

Best Lifetime Free RuPay Credit Cards in India 2024

RuPay, an Indian domestic card scheme conceived and launched by the National Payments Corporation of India, offers several attractive lifetime free credit card options. Here are some of the best:

Bank of Baroda ICAI EXCLUSIVE Credit Card

Key Highlights: Tailored for members of the Institute of Chartered Accountants of India, this card is designed to offer exclusive rewards and benefits suitable for professionals.
Joining Fee: NIL
Renewal Fee: NIL

Features and Benefits:

  • Reward Points: Earn 1,000 reward points on transactions within the first 30 days, with additional points for high annual spending.
  • Complimentary Insurance: Provides a professional indemnity insurance cover of Rs 5 lakhs.
  • Lifestyle Perks: Includes 12 complimentary airport lounge accesses per year, a six-month Fitpass Pro membership, and a 1% fuel surcharge waiver.
  • Special Rewards: Accumulate 5 reward points for every Rs 100 spent on dining, online shopping, and utility bills.

Bank of Baroda ICSI DIAMOND Credit Card

Key Highlights: Specifically created for members of the Institute of Company Secretaries of India, this card offers similar privileges tailored to the unique needs of company secretaries.
Joining Fee: NIL
Renewal Fee: NIL

Features and Benefits:

  • Reward Points: 1,000 reward points on transactions within 30 days and extra for spending above Rs 1 lakh annually.
  • Complimentary Insurance: Rs 5 lakhs of professional indemnity insurance cover.
  • Lifestyle Benefits: 12 complimentary airport lounge accesses annually, a six-month Fitpass Pro membership, and 1% fuel surcharge waiver.
  • Rewards for Spending: Earn 5 points per Rs 100 spent on specific categories such as dining and online purchases.

Bank of Baroda CMA One Credit Card

Key Highlights: Designed for the Institute of Cost Accountants of India members, this card focuses on enhancing the professional and personal life of cost accountants.
Joining Fee: NIL
Renewal Fee: NIL

Features and Benefits:

  • Reward Points: Get 1,000 points for early use and additional points for yearly spending over Rs 1 lakh.
  • Insurance Benefits: Includes a Rs 5 lakh professional indemnity insurance.
  • Additional Perks: 12 free airport lounge visits per year, a six-month membership to Fitpass Pro, and a 1% waiver on fuel surcharges.
  • Rewards on Expenditure: Earn rewards on dining, online transactions, and utility payments.

HDFC RuPay Shoppers Stop Credit Card

Key Highlights: Ideal for frequent shoppers at Shoppers Stop, this card enhances shopping experiences with exclusive benefits and rewards.
Joining Fee: NIL
Renewal Fee: NIL

Features and Benefits:

  • Shopping Rewards: Earn six First Citizen points per Rs 150 spent on Shoppers Stop’s private labels and two points for other brands.
  • Complimentary Membership: Includes a free Shoppers Stop membership enhancing the shopping experience.
  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver across all fuel stations.
  • Annual Bonuses: Earn 2,000 First Citizen points when spending reaches Rs 2 lakhs annually.

Features of Lifetime Free Credit Cards

Lifetime free RuPay credit cards come packed with features that extend beyond the absence of fees. These include:

  • Reward Points: Earn points on every purchase, which can be redeemed for cashback or other rewards.
  • Complimentary Insurance: Enhanced consumer protection through complimentary insurance coverage.
  • Lifestyle Benefits: Includes airport lounge access, fitness memberships, and more, adding value to everyday life.
  • Fuel Surcharge Waiver: Savings on fuel purchases across the country.

How to Check if My Credit Card Is Lifetime Free?

To verify if a credit card is genuinely lifetime-free, contact your card provider directly. Request confirmation via customer support or email, ensuring no conditions like minimum annual transactions are hidden in the fine print.

How to Get a Lifetime Free RuPay Credit Card?

Obtaining a lifetime free RuPay credit card involves a straightforward process:

  • Research: Identify which lifetime free card suits your needs by visiting official websites or contacting banks directly.
  • Apply: Complete the application process online, ensuring all provided information is accurate.
  • Verification: Make sure to confirm that the card’s status as lifetime free is explicitly stated in the terms and conditions.


Lifetime free RuPay credit cards offer a fantastic way to enjoy the benefits of a credit card without the burden of fees. By choosing wisely and understanding the terms fully, consumers can maximize their financial tools efficiently. Whether for shopping, professional benefits, or daily spending, these cards provide a smart choice for financially savvy individuals across India

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