1. Novio SBM Credit Card
- FD Backed Credit Card
- 2K FD Per 300 Cashback in your UPI
- 5K FD Per 1100 Cashback
- 90% Limit of FD
- Minimum FD 2K
- Best for Student
- Best Credit Card for Credit Score Building
- 1500 Rs Welcome Gift
- 5% Coins on Amazon Purchase
- Novio UPI per 10% Coins and Sending Money 5% Coins (Min 100Rs)
- Zepto and Swiggy 20% OFf
- FD Per 7.1% Interest
- Physical Credit Card on 10K FD
Join Now https://cgrj.in/c/bnsc5vdk
2. SuperMoney by Flipkart
- FD Backed Credit Card
- 2% Cashback on Flipkart
- 5% on Myntra
- 6% Interest on FD
- 1% Cashback on all UPI spend (500 max)
- Card Swap per 10K tak Cashback (1%)
- Physical Card on Over 10K FD
Get SuperMoney Free Credit Card
3. Amazon Pay ICICI
- 🆓 Lifetime Free Credit Card (No Joining Fee & No Annual Fee)
- 🛍️ 5% Cashback on Amazon India for Prime Members
- 🎁 3% Cashback on Amazon India for Non-Prime Members
- 🛒 2% Cashback on Partner Merchants (Swiggy, BookMyShow, etc.)
- 💸 1% Cashback on All Other Spending
- 💰 Cashback Directly Credited to Amazon Pay Balance
- ⚡ Contactless Card for Fast Payments
- 📱 Manage Card Easily Through iMobile Pay App
- 🚫 No Expiry on Earned Cashback
- ⛽ 1% Fuel Surcharge Waiver at Petrol Pumps
- 🌍 Accepted Internationally for Online & Offline Payments
- 📈 Helps Build Credit Score
- 🔒 EMI Conversion Option Available on Eligible Purchases
- 💳 Add-on Card Available for Family Members
- 📲 Supports UPI Payments via RuPay Variant (if selected)
- 🏦 No Need to Maintain FD (Unsecured Credit Card)
- ⭐ One of the Best Lifetime Free Cashback Credit Cards in India
- 🏷️ Great for Amazon Shopping Lovers
- 🎉 Welcome Benefits and Amazon Offers Available from Time to Time
- 🧾 Instant Digital Card After Approval (in many cases)
4. UNI Card
- 🆓 Lifetime Free Credit Card
- 🚫 No Joining Fee & No Annual Fee
- 📅 1/3rd Payment Every Month Option
- 💰 Up to 20% Discounts on Partner Brands
- 📱 Fully Digital Application Process
- 📈 Helps Build Credit Score
- 🌍 International Usage Supported
5. Scapia Lifetime Free Card ✈️💳
- 🆓 Lifetime Free Credit Card
- 🚫 No Joining Fee & No Annual Fee
- 🌍 Zero Forex Markup on International Transactions
- ✈️ Earn Scapia Coins on Every Spend
- 🏨 Best for Travel and International Spending
- 📱 Fully Digital Application Process
- 📈 Helps Build Credit Score
6. Royal Zagg Card 💳✨
- 🆓 Lifetime Free Credit Card (No Joining Fee & No Annual Fee)
- 💰 3% Cashback (as Zagg Coins) on UPI payments via Zagg App
- 🎯 1 Zagg Coin = ₹0.25 (4 Coins = ₹1 Cashback)
- 🚧 Maximum rewards per billing cycle are capped at 1.5% of your Credit Limit
- ✈️ Up to 8 Complimentary Domestic Airport Lounge Visits Per Year
- ⛽ 1% Fuel Surcharge Waiver
- 📈 Helps Build Credit Score
⭐ Highlight: If your credit limit is ₹1,00,000, the maximum reward you can earn in one billing cycle is 1,500 Zagg Coins = ₹375 Cashback.
7. AU Small Finance Bank Credit Card 💳✨
- 🆓 Lifetime Free Credit Card (Selected Variants)
- 💰 Up to 5% Cashback on Online Shopping, Dining & Utility Payments
- 🛍️ Reward Points on Every Spend with Easy Redemption
- ✈️ Complimentary Airport Lounge Access on Eligible Cards
- ⛽ 1% Fuel Surcharge Waiver
- 📱 Contactless Payments and UPI Support (RuPay Variants)
- 📈 Helps Build Credit Score and Offers EMI Conversion Facility
⭐ Highlight: Different AU Credit Cards offer different cashback and reward rates, with some cards providing up to 5% cashback and exclusive travel benefits.
8. Kiwi Credit Card 🥝💳
- 🆓 Lifetime Free Credit Card (No Joining Fee & No Annual Fee)
- 💰 Up to 5% Cashback on UPI Payments made via Kiwi App
- 📱 RuPay Credit Card with UPI Support
- 🎁 Cashback Earned as Kiwi Coins with Easy Redemption
- ⛽ 1% Fuel Surcharge Waiver
- 🌍 Contactless Payments and International Usage Supported
- 📈 Helps Build Credit Score
⭐ Highlight: Frequent UPI users can earn up to 5% cashback, making Kiwi one of the best lifetime free cards for daily payments.
9. IDFC FIRST WOW Credit Card 💳🔒
- 🏦 FD-Backed Credit Card – Get a credit limit up to 100% of your Fixed Deposit amount
- 🆓 Lifetime Free Credit Card (No Joining Fee & No Annual Fee)
- 🌍 Zero Forex Markup on International Transactions
- 💰 Earn Reward Points on Every Spend with No Expiry
- 📱 RuPay and Visa Variants Available with UPI Support
- ⛽ 1% Fuel Surcharge Waiver
- 📈 Best for Building Credit Score and First-Time Credit Card Users
⭐ Highlight: You can get this card even without income proof, as it is secured against a Fixed Deposit, making it one of the best FD-backed lifetime free credit cards in India.
10. HDFC Tata Neu Infinity Credit Card 💳🛍️
- 💰 Up to 5% NeuCoins Cashback on Tata Neu App Purchases
- 🛒 1.5% NeuCoins on UPI Transactions (RuPay Variant)
- 🏪 Earn Rewards on BigBasket, Croma, Tata CLiQ, Air India and Other Tata Brands
- ✈️ Complimentary Domestic Airport Lounge Access
- ⛽ 1% Fuel Surcharge Waiver
- 📱 UPI Payments Supported with RuPay Variant
- 📈 Helps Build Credit Score and Offers EMI Conversion Facility
⭐ Highlight: Earn up to 5% NeuCoins (1 NeuCoin = ₹1) on Tata Neu purchases, making it one of the best cards for frequent shoppers in the Tata ecosystem.
11. Kotak 811 Dream Different
Low Credit Score
Secured against FD; 100% approval rate
12. OneCard (Metal)
Tech-Savvy Users
5X rewards on top categories + 1% Forex markup
Benefits :
10% cashback in ordering anything from Swiggy
5% cashback in online shopping from other websites
1% cashback in offline shopping.