Lifetime free cards carry zero annual fees forever. They are the safest starting point and the best default card for moderate spenders.
Our top pick for no annual fee credit cards is the Scapia Federal Credit Card from Federal (no annual fee). Best lifetime-free option: Standard Chartered Priority Visa Infinite (SC). Ranked from 156 Indian credit cards Vyaya tracks, with fees and earn rates re-verified against issuer terms (October 2026).
Federal · No annual fee · 5% rewards
SC · No annual fee · 2% rewards
ICICI · No annual fee · 1% rewards
IDBI · No annual fee · 1% rewards
IDBI · No annual fee · 1% rewards
IndusInd · No annual fee · 0.75% rewards
IDBI · No annual fee · 0.75% rewards
ICICI · No annual fee · 0.62% rewards
Axis · No annual fee · 0.6% rewards
AU · No annual fee · 0.5% rewards
AU · No annual fee · 0.5% rewards
IndusInd · No annual fee · 0.5% rewards
Federal · No annual fee · 0.5% rewards
IDFC First · No annual fee · 0.5% rewards
IndusInd · No annual fee · 0.5% rewards