Top 10 Best Free Credit Cards in India with Apply Links

Top 10 Best Free Credit Cards in India with Apply Links-Are you looking for best free credit cards in India with zero annual fees and great rewards? Whether you're a student, salaried employee, or a beginner to the world of credit, this list of top 10 free credit cards in India (2025) will help you choose the right one. These cards come with no annual or joining fees, making them perfect for smart spenders who want to build their credit score while enjoying benefits like cashback, fuel surcharge waivers, lounge access, and more.

In this post, we have listed the top 10 best free credit cards with apply links, features, eligibility, and pros and cons to help you make an informed decision.

---

Why Choose a Free Credit Card?

A free credit card comes with zero joining fee and zero annual charges, which means:

• ✅ No hidden charges

• ✅ Great for first-time users

• ✅ Useful for building your credit score

• ✅ Comes with basic rewards and offers

• ✅ No risk of unused card charges

---

Quick Comparison Table

Credit Card Name	Joining Fee	Annual Fee	Best For	Apply Link
IDFC FIRST Millennia	₹0	₹0	Beginners, Millennials	Apply Now
Amazon Pay ICICI	₹0	₹0	Online Shoppers	Apply Now
Axis Bank Flipkart	₹0	₹0	Flipkart Users	Apply Now
SBI Lifetime SimplySAVE	₹0	₹0	Dining & Groceries	Apply Now
ICICI Platinum Chip	₹0	₹0	Beginners	Apply Now
HDFC Freedom	₹0	₹0	Movie & Shopping	Apply Now
Kotak 811 Credit Card	₹0	₹0	Salary Users	Apply Now
AU Small Finance LIT	₹0	₹0	Customizable Perks	Apply Now
HSBC Cashback Card	₹0	₹0	Cashback	Apply Now
OneCard Credit Card	₹0	₹0	Metal Design & Digital	Apply Now

---

1.  IDFC FIRST Millennia Credit Card

Best For: Beginners, Millennials

• Joining Fee: ₹0

• Annual Fee: ₹0

• Interest Rate: 0.75% – 3.5% per month

• Reward Rate: 3X to 10X on online spends

Key Benefits:

• Welcome voucher worth ₹500

• Up to 20% discount on dining

• Fuel surcharge waiver up to ₹200/month

• 4 free railway lounge access per quarter

🔗 Apply for IDFC FIRST Millennia Card

---

2. Amazon Pay ICICI Credit Card

Best For: Online Shopping, Amazon Users

• Joining Fee: ₹0

• Annual Fee: ₹0

• Reward Rate: Up to 5% cashback

Key Benefits:

• 5% cashback for Amazon Prime members

• 3% for non-prime users

• 1% cashback on other spends

• Auto-credit to Amazon Pay wallet

🔗 Apply for Amazon Pay ICICI Credit Card

---

3. Flipkart Axis Bank Credit Card

Best For: Flipkart & Myntra Shoppers

• Joining Fee: ₹0 (Lifetime Free offer)

• Annual Fee: ₹500 (Waived first year)

• Reward Rate: 1.5%–5% cashback

Key Benefits:

• 5% cashback on Flipkart & Myntra

• 4% on preferred merchants

• Fuel surcharge waiver

• Airport lounge access (domestic)

🔗 Apply for Flipkart Axis Bank Credit Card

---

4. SBI SimplySAVE Credit Card (Lifetime Free)

Best For: Groceries & Dining

• Joining Fee: ₹499 (Waived)

• Annual Fee: ₹499 (Waived on spend >₹1L)

• Offer: Lifetime free via partner links

Key Benefits:

• 10X reward points on dining, movies, groceries

• 1% fuel surcharge waiver

• Accelerated rewards on daily spends

🔗 Apply for SBI SimplySAVE Credit Card

---

5. ICICI Platinum Chip Credit Card

Best For: Basic Usage, Offline Shopping

• Joining Fee: ₹0

• Annual Fee: ₹0

• Reward Points: Payback points on every ₹100

Key Benefits:

• 2 PAYBACK points per ₹100 on retail

• Chip & PIN enabled

• Accepted globally

• Fuel surcharge waiver

🔗 Apply for ICICI Platinum Chip Card

---

6. HDFC Freedom Credit Card

Best For: Movies, Bill Payments

• Joining Fee: ₹500 (Waived on offers)

• Annual Fee: ₹500 (Waived > ₹50,000 spend)

• Reward Rate: 5X on groceries, movies, dining

Key Benefits:

• Milestone gift vouchers up to ₹1,000

• 1% fuel surcharge waiver

• Great discounts on movies & shopping

🔗 Apply for HDFC Freedom Card

---

7. Kotak 811 #DreamDifferent Credit Card

Best For: Zero-Credit Score Applicants

• Joining Fee: ₹0

• Annual Fee: ₹0

• Limit: ₹6,000 – ₹1,00,000 (based on FD)

Key Benefits:

• No income proof needed

• Virtual card issuance

• Ideal for students & first-timers

🔗 Apply for Kotak 811 Credit Card

---

8. AU Small Finance LIT Credit Card

Best For: Customization & Digital Use

• Joining Fee: ₹0

• Annual Fee: ₹0

• Unique Feature: Choose features like lounge, fuel, OTT

Key Benefits:

• Personalize benefits monthly

• Fuel surcharge waiver

• Rewards based on usage preference

🔗 Apply for AU LIT Credit Card

---

9. HSBC Cashback Credit Card

Best For: Cashback on Online Spend

• Joining Fee: ₹0 (Limited offer)

• Annual Fee: ₹0 (First year free)

Key Benefits:

• 1.5% cashback on online spends

• 1% on all other purchases

• Fuel surcharge waiver

• Attractive welcome gifts

🔗 Apply for HSBC Cashback Card

---

10. OneCard Credit Card (Metal Card)

Best For: Tech-savvy, Metal Design Lovers

• Joining Fee: ₹0

• Annual Fee: ₹0

• Issued By: Partner banks (e.g., IDFC, SBM)

Key Benefits:

• Metal card for all users

• Fully app-managed

• Dynamic rewards engine

• Instant virtual card on approval

🔗 Apply for OneCard Credit Card

---

How to Choose the Best Free Credit Card?

Here are a few tips before selecting the right zero annual fee credit card:

• 📦 Spending habits: Choose cards based on your usage – travel, online shopping, groceries, etc.

• 📈 Reward rate: Go for higher reward points/cashback.

• 💸 Hidden fees: Check for charges on late payment, over-limit, or international use.

• 🎁 Extra perks: Airport lounge access, fuel surcharge waivers, OTT subscriptions can add value.

---

FAQs – Best Free Credit Cards in India 2025

1. Are these credit cards really free?

Yes, all cards listed above have ₹0 joining and annual fees, or come with waiver conditions that make them effectively free.

2. Can students apply for free credit cards?

Yes, some cards like Kotak 811, ICICI Platinum, and OneCard can be used by students (usually with a fixed deposit or minimal documentation).

3. Will using a free credit card help build my credit score?

Absolutely. Regular and responsible use of these cards helps build a positive credit history and boosts your CIBIL score.

4. What is the minimum salary to apply for these credit cards?

Most cards require a monthly income of ₹15,000–₹25,000. Some secured cards like Kotak 811 need no income proof.

5. Can I apply for multiple free credit cards?

Yes, but it’s best to keep your credit utilization and applications within limit to avoid negative impact on your credit score.

---

Final Thoughts

Free credit cards are an excellent way to enter the world of credit and maximize your savings without worrying about fees. Whether you're an online shopper, traveler, or just looking to build your credit history, one of these Top 10 Best Free Credit Cards in India is definitely right for you.

PLS NOTE-Make sure to check eligibility and apply through the official links provided. These offers change frequently, so grab the zero annual fee benefit while it's live!