Why pay yearly fees when you can get the same benefits for free? Free credit cards are great for beginners or anyone who wants to enjoy credit benefits — without paying yearly fees.
You can still earn cashback, rewards, and perks, just like premium cards.
Here’s a quick look at the Top Free Credit Cards in India for 2025, including the UPI Credit Card via Kiwi — one of the smartest lifetime-free cards available today.
Why Choose a Lifetime-Free Credit Card?
- No joining or annual fee — ever
- Rewards, cashback, and offers stay active
- Perfect for first-time card users
- Helps build your credit score with responsible use
In short, zero fees, all benefits.
Top Free Credit Cards in India (2025)
| Rank | Credit Card | Issuer / Network | Key Benefits | Fees | Highlight |
| 1 | UPI Credit Card via Kiwi | YES Bank / AU Small Finance Bank (RuPay) | 1.5% cashback on all offline UPI spendsUp to 5% for Kiwi Neon membersInstant cashback, real money | Lifetime Free (Optional Neon Membership: ₹999/year) | Works on all UPI QR scanners via Kiwi app |
| 2 | Amazon Pay ICICI Credit Card | ICICI Bank (Visa) | 5% cashback on Amazon (Prime users), 1% elsewhere | Lifetime Free | Best for online shopping |
| 3 | IDFC FIRST Classic Credit Card | IDFC FIRST Bank (Mastercard/RuPay) | 3×–10× reward points on spends, fuel surcharge waiver | Lifetime Free | Great rewards for a no-fee card |
| 4 | OneCard Credit Card | SBM Bank / Federal Bank (Visa) | 1%–5% cashback, app-based control, metal design | Lifetime Free | 100% digital and easy to manage |
| 5 | IndusInd Bank Platinum RuPay Credit Card | IndusInd Bank (RuPay) | 2 points per ₹100 on UPI merchant spends | Lifetime Free | UPI compatible and beginner-friendly |
| 6 | HSBC Visa Platinum Credit Card | HSBC Bank (Visa) | 1.5%–5% cashback, dining and travel offers | Lifetime Free | Reliable global brand |
| 7 | BoB E-RuPay Credit Card | Bank of Baroda (RuPay) | 1% cashback on UPI transactions | Lifetime Free | Simple and straightforward rewards |
| 8 | Federal Bank Signet RuPay Credit Card | Federal Bank (RuPay) | 2 reward points per ₹100, fuel and lounge benefits | ₹499 (waived on ₹1L spends) | Balanced benefits for daily users |
| 9 | Axis Bank Insta Easy Credit Card | Axis Bank (Visa) | 2 reward points per ₹200, fuel waiver | Lifetime Free | Easy approval with FD-backed option |
| 10 | SBI Unnati Credit Card | SBI Card (Visa) | 1% cashback on spends above ₹500 | Free for 4 years | Good entry-level option for new users |
Why the UPI Credit Card via Kiwi Stands Out
Among all free cards, UPI Credit Card via Kiwi offers the perfect mix of convenience and rewards.
You can link it directly to the Kiwi app and use it for any UPI QR payment — just like a debit card, but with credit and cashback benefits.
✅ 1.5% cashback on all offline UPI spends
💰 Up to 5% cashback for Kiwi Neon members
⚡ Instant cashback — credited as real money to your Kiwi account
💳 Lifetime free — no joining or annual fee
📱 Works seamlessly on all UPI QR scanners via the Kiwi app
It’s simple: scan, pay, and earn cashback instantly.
Tips for Using Free Credit Cards Smartly
- Always pay on time — avoid interest and late fees
- Use regularly to build a strong credit score
- Check for cashback limits and spend thresholds
- Avoid withdrawing cash — it’s not free
- Redeem your rewards frequently
Final Thoughts
Free credit cards are the easiest way to enjoy the benefits of credit without worrying about extra costs.
If you’re new to credit or use UPI daily, the UPI Credit Card via Kiwi is your best bet in 2025.
It’s lifetime free, gives real cashback, and works on every UPI QR code.
A simple, smart, and rewarding way to pay.
Apply Instantly via Kiwi
Get your UPI Credit Card via Kiwi in minutes.
Link it to your UPI app, scan any QR, and start earning cashback on every payment.
