No one likes having to pay an annual subscription only to have a piece of plastic in their purse! That is why lifetime free cards have grown to be extremely popular in India. You don’t have to pay any joining or annual fee, and you get a real credit line, reward points or cash back, and have the opportunity to improve your CIBIL score. There are many banks and fintech partners that have announced their “free” cards, but it can be difficult to determine which are actually free and which have strings attached. We are here to provide you with a detailed explanation of the top 10 lifetime free credit cards in India for 2026 in simple words.
You will get rates of rewards, foreign exchange (forex) mark-up, access to lounges, no fuel surcharges and honest fine print for each card. From students to first-time users, from UPI lovers to travellers or online shoppers, this list will help you choose the most appropriate top 10 lifetime free credit cards without the hassle of guesswork.In the year 2026, the best lifetime free credit cards in India are listed below in a quick list.
Best Lifetime Free Credit Cards in India: Quick List (2026)
| Credit Card | Best For | Key Benefit |
|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Amazon Shopping | Up to 5% cashback on eligible Amazon purchases |
| IDFC FIRST Millennia Credit Card | Online Shopping and Movies | Reward points, movie discounts, and online shopping offers |
| Scapia Federal Bank Credit Card | International Travel | 0% forex markup on international transactions |
| Tata Neu Plus HDFC Bank Credit Card | Tata Brands and UPI Payments | NeuCoins on eligible Tata brand purchases and UPI spends |
| Axis Bank Neo Credit Card | Movies and Food Delivery | Discounts on select movie tickets and food delivery offers |
| AU Small Finance Bank LIT Credit Card | Customisable Benefits | Choose benefits and pay for selected features |
| HSBC Visa Platinum Credit Card | Welcome Offers and Dining | Welcome vouchers and dining-related offers |
| IDFC FIRST Select Credit Card | Lifestyle and Travel Privileges | Lifestyle offers, lounge benefits subject to eligibility, and low forex costs |
| AU Ixigo Credit Card | Domestic Flight Bookings | Travel-related discounts and benefits on eligible bookings |
| IDFC FIRST WOW! Credit Card | Building Credit with a Fixed Deposit | FD-backed credit card with access to credit without requiring a traditional unsecured card approval |
What Is a Lifetime Free Credit Card?
Lifetime free credit cards like the ones on all top 10 lifetime free credit card lists are credit cards that cost nothing to join and have no annual fee, without any minimum spending limit to keep them free. Rather, the bank profits off of the revolving balances and partner affiliation. In brief, it means that:
Check Bad CIBIL Loan App List
Are Lifetime Free Credit Cards Really Free?
Yes, to a certain extent, but only if they’re used correctly. A lifetime free credit card does not ask you a joining or annual cost, which means that you can maintain it for years with absolutely no holding cost. But ‘free’ does not mean that the card costs nothing in all circumstances. Late fee – if the due date is missed, this will be charged. With a balance, you will be charged interest, which is typically 3% or higher monthly.
There may also be additional fees for cash withdrawals, foreign money transactions and rent/wallet loading payments, in addition to GST. So the card will be free to use, but not free to abuse. If you pay your bill in full each month and you are part of the top 10 lifetime free credit cards, you could end up with your life’s reward without paying a penny.
Can the Bank Start Charging Later?
Although banks can alter their terms and conditions and can even increase fees, technically they do not have that right, they have to adhere to RBI guidelines. They can’t add a charge without making a loud noise. The bank will notify you, typically within 30 days or longer, of any changes to the terms or important terms and conditions (MITC) of the card before those changes take effect, and the new terms will be communicated to you via email, SMS or via the card’s MITC.
In reality, banks are more likely to do things like cut down on lounge visits or reduce the number of rewards available to earn than they are to add a new annual fee. This is why it’s a good idea to review your bank’s notices on a regular basis. Once the dues are paid, if a fee ever comes up that you don’t like, you can close the card without penalty.
How We Picked and Verified the Best No Annual Fee Credit Cards
The process of selection for this top 10 lifetime free credit card list was kept simple, clear and with respect to the actual value for the users of India:
- Fee type checked first: Cards for which the fee was marked as lifetime free (or lifetime free through a specific channel or structure) were only counted.
- Verified October 2026: Fee type and key terms were checked against issuer pages and several finance comparison websites.
- Effective %: We considered what you really receive after allotting ₹100 to it, rather than just the face value “points.
- Extra benefits on Forex versus lounge versus fuel: Things that add up to everyday life.
- Eligibility checked: Minimum income & CIBIL as specified by the issuers
- Variety of users covered: Students, beginners, shoppers, UPI users and travellers
- Fine print flagged: Any milestone, cap or channel condition is communicated openly
Suggested Read:
10 Best Lifetime Free Credit Cards in India: Rewards, Perks and Eligibility
1. Amazon Pay ICICI Bank Credit Card
| Parameter | Details |
| Card, Issuer / Network | Amazon Pay Credit Card, ICICI Bank / Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | E-commerce and Amazon shopping |
| Reward Rate (effective % on ₹100) | Up to 5% cashback (₹5 on ₹100 for Amazon Prime members) |
| Forex Markup | 3.5% |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver across all petrol pumps in India |
| Min Income / CIBIL (issuer-stated) | ₹25,000 per month (salaried) / 750+ |
| Website | https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card |
Amazon Pay ICICI Bank Credit Card is among the most successful co-branded credit cards and popular among the online shoppers in India. The Amazon Prime members on Amazon India get 5% cashback and the non-Prime members get 3% cashback which will be credited as Amazon Pay balance. The best part about it is that it’s a business that has no limits for income, and the rewards are never-ending. Onboarding is fast and so is tracking. The cashback could go a long way towards paying your bills, booking airfare and day-to-day purchases, making it a no-brainer way to save money for budget-conscious families.
2. IDFC FIRST Millennia Credit Card
| Parameter | Details |
| Card, Issuer / Network | IDFC FIRST Millennia, IDFC FIRST Bank / Visa or Mastercard |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | All-round rewards, online shopping and movies |
| Reward Rate (effective % on ₹100) | Up to 10X points (up to 2.5% value-back on milestone spends) |
| Forex Markup | 3.5% |
| Lounge Access | 4 complimentary domestic lounge visits per year (spend milestones apply) |
| Fuel Surcharge Waiver | 1% waiver up to ₹200 monthly |
| Min Income / CIBIL (issuer-stated) | ₹25,000 per month / 730+ |
| Website | https://www.idfcfirst.bank.in/credit-card/millennia |
The IDFC FIRST Millennia is a feature-loaded starter card which is appropriate as a day-to-day driving card. The rewards you collect on your online spending vary from 6X until you hit the ₹20,000 monthly spend threshold, after which it rises to 10X, and the points do not expire. It also provides lifestyle benefits that are uncommon to find on other cards, including movie ticket discounts and visits to domestic lounges. With interest rates beginning at around 9%, it is a flexible and relatively safe option for those just starting their credit journey.
3. Scapia Federal Credit Card
| Parameter | Details |
| Card, Issuer / Network | Scapia Credit Card, Federal Bank / Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | International travel and zero currency exchange fees |
| Reward Rate (effective % on ₹100) | 20% Scapia Coins on app travel bookings (about 4% value-back) |
| Forex Markup | 0% |
| Lounge Access | Unlimited domestic lounges (on spending ₹5,000 per month) |
| Fuel Surcharge Waiver | 1% waiver across all stations |
| Min Income / CIBIL (issuer-stated) | ₹30,000 per month / 750+ |
| Website | https://apply.scapia.cards/landing_page?utm_source=kds&utm_medium=cps&utm_campaign=KLM&utm_content=1800&gad_source=1 |
One of the most competitive credit card offers in any top 10 free credit card list for life is the Scapia Federal Credit Card that is offered with premium travel benefits for free. The highlight is the 0% forex markup, which means you will save 3.5% for every international swipe or online booking. Within the Scapia app you’ll earn coins that can be exchanged for flights and hotel stays. This is a great travel companion for frequent flyers, as the domestic lounge access will be open for unlimited use on a daily basis and is easily unlocked.
4. Tata Neu Plus HDFC Bank Credit Card
| Parameter | Details |
| Card, Issuer / Network | Tata Neu Plus, HDFC Bank / RuPay |
| Fee Type (Verified Date) | Lifetime Free via select channels (October 2026) |
| Best For | Tata brand loyalty and UPI payments |
| Reward Rate (effective % on ₹100) | 2% to 7% NeuCoins on partner brands and Neu app purchases |
| Forex Markup | 3.5% |
| Lounge Access | 4 complimentary domestic lounge visits per year |
| Fuel Surcharge Waiver | 1% waiver up to ₹250 per billing cycle |
| Min Income / CIBIL (issuer-stated) | ₹25,000 per month / 750+ |
| Website | https://www.tataneu.com/creditcard/? |
The Tata Neu HDFC Bank Credit Card adds value for the entire Tata group. The lifetime free version is offered promotionally through Tata Neu app, and you can redeem 7% back as NeuCoins on BigBasket, 1mg, Croma, Air India Express and Westside. It is compatible with the RuPay network, which means you can connect it to UPI apps and earn rewards even for small grocery and daily payments. It is best suited for those who already purchase products from the Tata circle.
5. Axis Bank Neo Credit Card
| Parameter | Details |
| Card, Issuer / Network | Neo Credit Card, Axis Bank / Mastercard or Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | Food ordering, entertainment and movies |
| Reward Rate (effective % on ₹100) | 1 EDGE Reward point (about 0.2% base value) |
| Forex Markup | 3.5% |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹4,000 |
| Min Income / CIBIL (issuer-stated) | ₹20,000 per month / 730+ |
| Website | https://web.axis.bank.in/DigitalChannel/WebForm/ |
The Axis Bank Neo Credit Card is designed for millennials and Gen Z who are fond of apps that give instant access to lifestyle choices. The highlight of this is its strong partnership discounts too, which include 40% off on Zomato, 10% off on Blinkit, and 10% off on BookMyShow, instead of heavy reward points. The lower threshold of income requirement (Rs. 20,000 per month) is good for attracting young professionals who are just beginning their careers. It’s certainly a good entry into the Axis Bank ecosystem at no holding cost whatsoever.
6. AU Small Finance Bank LIT Credit Card
| Parameter | Details |
| Card, Issuer / Network | LIT Credit Card, AU Small Finance Bank / Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | Modular customisation and flexible spending |
| Reward Rate (effective % on ₹100) | Base 1 point (configurable to 5% or 10% cashback via micro-features) |
| Forex Markup | 3.5% (can be reduced to 1% via app features) |
| Lounge Access | Configurable (quarterly lounge packages can be added in the app) |
| Fuel Surcharge Waiver | 1% waiver (configurable via features) |
| Min Income / CIBIL (issuer-stated) | ₹30,000 per month / 740+ |
| Website | https://www.au.bank.in/personal-banking/credit-cards/lit-credit-card |
The AU LIT Credit Card is a brand new, modular concept and an intriguing entry into any best 10 free credit card during lifetime listing. It remains free for life, but premium features, like quick cashback or lounge access, are temporary and can be enabled or disabled in the mobile app for small charges. This means no more paying for features you don’t use. It allows you to have complete control over your costs and maintains a clean credit line, which helps to improve your credit score over time.
7. HSBC Visa Platinum Credit Card
| Parameter | Details |
| Card, Issuer / Network | Visa Platinum, HSBC India / Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | Welcome vouchers and accelerated dining |
| Reward Rate (effective % on ₹100) | 2X rewards on retail, up to 5X on milestone targets |
| Forex Markup | 3.5% |
| Lounge Access | 3 complimentary domestic lounge visits (introductory milestone benefit) |
| Fuel Surcharge Waiver | 1% waiver up to ₹250 monthly |
| Min Income / CIBIL (issuer-stated) | ₹33,000 per month (strictly salaried) / 750+ |
| Website | https://www.hsbc.bank.in/credit-cards/products/visa-platinum/ |
The HSBC Visa Platinum Credit Card is one of the most prestigious products offered in the world of banking and it does not require any entry fee. It’s famous for its surprisingly large milestone gifts, typically Amazon or lifestyle vouchers redeemable for thousands of dollars if you meet spending milestones within the initial 60 days. Once you reach the set limits, you can start earning 5X rewards in dining and online entertainment. This card is particularly appealing for security-minded salaried professionals, thanks to its robust global network and advanced fraud protection capabilities.
8. IDFC FIRST Select Credit Card
| Parameter | Details |
| Card, Issuer / Network | IDFC FIRST Select, IDFC FIRST Bank / Visa |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | Premium perks and travel combinations |
| Reward Rate (effective % on ₹100) | 6X on online spends, 10X on spends above ₹20,000 monthly |
| Forex Markup | 1.99% |
| Lounge Access | 4 domestic airport and 4 railway lounge visits per quarter (spend-linked) |
| Fuel Surcharge Waiver | 1% waiver at all fuel bunks |
| Min Income / CIBIL (issuer-stated) | Higher income bracket (listed as ₹1,20,000 per month in our source; please confirm on the issuer page) / 740+ |
| Website | https://www.idfcfirst.bank.in/credit-card |
The IDFC FIRST Select Credit Card is positioned in the high-end segment, but remains free for life. It offers lifestyle and travel advantages such as railway lounges, a competitive 1.99% forex markup and domestic airport lounges. Value-back layers comprise buy-one-get-one movie offers on Paytm and travel insurance security. The lounge visits are tied to spending, so you must use the card regularly to gain the most from the benefits. It is ideal for people with medium to high income and those who do not want to pay entry fees for luxury.
9. Ixigo AU Flex Credit Card
| Parameter | Details |
| Card, Issuer / Network | Ixigo AU Credit Card, AU Small Finance Bank / Visa or RuPay |
| Fee Type (Verified Date) | Lifetime Free (October 2026) |
| Best For | Domestic travel bookings and flight discounts |
| Reward Rate (effective % on ₹100) | Up to 4X reward points on online and utility categories |
| Forex Markup | 1.99% |
| Lounge Access | 1 complimentary domestic lounge visit per calendar quarter |
| Fuel Surcharge Waiver | 1% waiver on select values |
| Min Income / CIBIL (issuer-stated) | ₹25,000 per month / 730+ |
| Website | https://www.ixigo.com/travel-credit-card? |
The Ixigo AU Flex Card is definitely worth adding to your shortlist of top 10 free credit cards that you are using while travelling within India. It offers discounts of approximately 10% on domestic airfare bookings immediately, and does not charge any payment gateway fees for booking on Ixigo flights. It also features a lower 1.99% forex markup, and consistent rewards throughout retail categories make it even more attractive. It’s a good bonus for a free card, as each lounge visit will earn a quarter. It will help you to significantly cut your family vacation budget without any annual fee whatsoever.
10. IDFC FIRST WOW! Credit Card
| Parameter | Details |
| Card, Issuer / Network | FIRST WOW!, IDFC FIRST Bank / Visa |
| Fee Type (Verified Date) | Lifetime Free, secured (October 2026) |
| Best For | Students, beginners and rebuilding credit via FD |
| Reward Rate (effective % on ₹100) | 4X reward points on regular purchases |
| Forex Markup | 0% |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver across stations |
| Min Income / CIBIL (issuer-stated) | No income proof required (issued against a minimum ₹10,000 fixed deposit) |
| Website | https://www.idfcfirst.bank.in/credit-card/wow |
The IDFC FIRST WOW! Credit Card is a secured credit card supported by a fixed deposit, which means that you do not require a salary slip or credit history. It’s approved with a lightning speed and the forex markup of 0% is perfect for learners studying abroad or paying for international software. With timely payments, your FD continues to accrue interest while you continue to build up your CIBIL profile. It is one of the safest and most inexpensive methods to get started when you want to start from scratch or rebuild a lost score.
Cards Often Called Lifetime Free but Are Not (Fee Waiver on Spend)
Many cards claim to be free, but require you to spend a certain amount to avoid paying an annual fee. These should not be confused with a top 10 lifetime free credit card.
- No money back if spent below a threshold: Pay a joining fee or an annual fee if there is no usage up to a threshold (e.g. ₹1 lakh or ₹2 lakh per year).
- First year free only: The card will be free for the first year but will have a charge from the second year.
- Lifetime free cards: certain cards, such as the Tata Neu Plus variant, require a purchase through a specific channel or a promotion to be freely available, so make sure to verify where they apply.
- Welcome fee refund: The fee for joining the club is collected and then returned as vouchers or points
- Invite-only free cards: pre-approved offers may be free, while the same card is paid for others
- Secured card fees: FD-backed cards may be free but the FD must remain locked up.
Lifetime Free Credit Cards Comparison Table: Rewards, Forex, Lounge, Fuel Surcharge
A quick side-by-side comparison between each of the cards in our top 10 lifetime free credit card list:
| Card | Rewards | Forex Markup | Lounge Access | Fuel Surcharge Waiver |
| Amazon Pay ICICI | Up to 5% cashback | 3.5% | None | 1% (all pumps) |
| IDFC FIRST Millennia | Up to 10X points | 3.5% | 4 domestic visits/year | 1% up to ₹200/month |
| Scapia Federal | 20% coins on travel bookings | 0% | Unlimited domestic (₹5,000/month spend) | 1% |
| Tata Neu Plus HDFC | 2% to 7% NeuCoins | 3.5% | 4 domestic visits/year | 1% up to ₹250/month |
| Axis Bank Neo | 1 EDGE point per ₹100 + partner offers | 3.5% | None | 1% (₹400 to ₹4,000) |
| AU LIT | 1 point base, configurable up to 5% or 10% | 3.5% (1% with feature) | Configurable | 1% (configurable) |
| HSBC Visa Platinum | 2X to 5X | 3.5% | 3 domestic visits (introductory) | 1% up to ₹250/month |
| IDFC FIRST Select | 6X to 10X | 1.99% | 4 airport + 4 railway per quarter | 1% |
| Ixigo AU Flex | Up to 4X | 1.99% | 1 domestic visit/quarter | 1% (select values) |
| IDFC FIRST WOW! | 4X | 0% | None | 1% |
Which Lifetime Free Credit Card Is Best for You? (Students, First Card, UPI Users, Travelers, Shoppers)
- Students: IDFC FIRST WOW! is the most convenient and it requires no income proof and no forex at 0%.
- First credit card: IDFC FIRST Millennia or Axis Bank Neo at low income requirement and everyday value.
- Users of UPI: Tata Neu Plus HDFC (RuPay) offers rewards on UPI payments.
- International travellers: Scapia Federal is the obvious choice, with forex at 0% and ease of access to lounges.
- Domestic flyers: Ixigo AU Flex can assist you with airfare discounts and quarterly lounge visits.
- Online shoppers: Amazon Pay ICICI is unbeatable for Amazon; IDFC FIRST Millennia is good for multi-platform shopping
- Foodies and Movie buffs: Axis Bank Neo offers huge discounts on Zomato, Blinkit and BookMyShow!
- Customisation aficionados: AU LIT charges you only for what you want.
- Premium seekers: IDFC FIRST Select and HSBC Visa Platinum provide a higher-end, premium experience for higher income users.
Eligibility, Income and CIBIL Score Needed for Lifetime Free Cards
Understanding the basics helps you avoid being rejected and losing points. The following is the 2026 data for each of the top 10 lifetime free credit card:
- Age: Usually 21-60 years for salaried applicants (18+ for secured cards).
- Lowest Income Bar: Axis Bank Neo is at Rs 20,000/month.
- Common Bracket: ₹25,000/month on Amazon Pay ICICI, IDFC FIRST Millennia, Tata Neu Plus and Ixigo AU
- Higher bar: Scapia and AU LIT at ₹30,000, and HSBC Visa Platinum at ₹33,000 (only for salaried).
- FICCI Score: Between 730 and 750 for the most accessible cards, and above 750 for the stronger cards such as Amazon Pay, Scapia, Tata Neu Plus, and HSBC.
- No income proof: IDFC FIRST WOW! is issued against a fixed deposit of Rs. 10,000 at the least
- Documents: PAN, Aadhaar, Proof of Income (salary slips or ITR) and a recent photograph.
Hidden Charges to Check Even on Lifetime Free Cards
A zero annual fee does not erase all costs. Watch out for these:
- APR on zero balance charges: Typically 3% to 3.99% per month, with some cards beginning at lower rates
- Late Payment Fee: If the minimum payment date is not met, this fee will be charged.
- Forex Markup: 3.5% on most cards in this list, plus GST
- Cash advance fee: A percentage of the amount withdrawn, plus interest from day one
- Over-limit fee: Charged if you exceed your credit limit
- Limits on rent, wallet and fuel: many cards offer no or fewer rewards on these and may charge additional fees
- EMI and processing fees: EMI conversion involves a processing fee.
- Reward caps and expiry: Monthly caps, milestone conditions and redemption fees can reduce real value.
- These are small but real fees: Card replacement and duplicate statement charges.
How to Pick Between Cashback, Reward Points and Lounge Access on a Free Card
- Go for cashback for simplicity: Amazon Pay ICICI offers cashback without any tricky redemption process.
- If you spend a lot online, pick reward points: IDFC FIRST cards offer points that are multiples of your spending and are non-expiring!
- If you are a frequent flyer, select lounges: Scapia, IDFC FIRST Select and Ixigo AU have lounges, but check the spend condition.
- Calculate the effective rate: Value of rewards / your spend (don’t confuse 10X with 10%)
- Your spending should match the card: if you are not going to use it for Amazon, it’s not going to help you earn any cash back.
- Calculate the forex savings: If you travel abroad, 0% forex can offer a better reward rate than any elsewhere.
- Don’t pursue perks: If not spend more than you should to reach a milestone or unlock a lounge visit
- Think about having two cards: one for everyday rewards and one for travel or another platform.
How to Apply for a Lifetime Free Credit Card and Improve Your Approval Chances
- Get CIBIL score checked first: Free score checks are available online and for best chances aim for 750+
- Choose one card that suits your income: do not apply for many cards in a row because each hard inquiry will have a negative impact on your score.
- Use the bank or its partner application: this safeguards you from fake agents and serves as verification of the free-for-life variant.
- Documents ready at hand: PAN, Aadhaar, salary slips, bank statements and address proof
- Input the information correctly: Names, income or addresses that do not match are frequently reasons for rejection.
- Pay down existing debt: Maintain a credit utilisation ratio below 30%
- Build history with a secured card: If necessary, opt for an FD-backed card such as IDFC FIRST WOW!
- Wait before reapplying: If rejected, wait for about three to six months before reapplication.
- Pay on time after approval: an unblemished history can open the door to higher limits and better cards down the road
Conclusion
Free credit cards for life are one of the best financial instruments for Indian consumers for 2026. They provide rewards, discounts, travel amenities and credit building without any annual charges. Whether it’s Amazon Pay ICICI for shoppers and Scapia for travellers or IDFC FIRST WOW!, there’s something for everyone. There are cards for virtually every lifestyle for beginners.
The secret is to find a card that suits your spending habits, read the fine print and pay off the bill in full each month. Follow this guide to select the right top 10 lifetime free credit card, apply strategically and always check terms on the bank’s official page prior to making your application.
FAQs
What is the most suitable lifetime free credit card in India?
This will rely on your needs. The best options are Amazon Pay ICICI for Amazon, Scapia for travel and zero forex, IDFC FIRST Millennia for all-round use and IDFC FIRST WOW! for beginners.
What does it mean to have a free credit card for life?
Yes they do have no joining fee nor annual fee. If you are not careful with the card, you may also be liable for paying interest, late fees, forex markup, cash advance charges and GST.
Can a bank start charging an annual fee on a lifetime free card later?
But, the banks can have revisions of the terms subject to prior notice in accordance with RBI norms. The card can be closed if you don’t agree to the new charges.
What’s the difference between lifetime free and fee waiver spend?
Lifetime free card does not have an annual fee. A spend card fee waiver is a fee waiver that applies to spending cards until they are used to meet a predetermined spending goal.
Can students or first-time users get a lifetime free card?
Yes. Cards such as Secured Cards like IDFC FIRST WOW! do not require proof of income and cards like Axis Bank Neo have a low income requirement which makes them a great choice for first-time users.
Does a lifetime free credit card include lounge privileges?
Some do. Lounge visits are available from various credit cards such as Scapia, IDFC FIRST Millennia, IDFC FIRST Select, Tata Neu Plus, HSBC Visa Platinum and Ixogo AU, which are often connected with spending money. Amazon Pay ICICI, Axis Bank Neo and IDFC FIRST WOW! don’t.
