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Best Lifetime Free RuPay Credit Cards in India

Lifetime Free RuPay credit cards are those cards which are part of the RuPay network and do not charge an annual fee or joining fee. The simplicity and affordability of these cards are what set them apart. They offer a cost-effective payment solution and enable users to experience the perks of making cashless transactions without the burden of additional costs. Being part of the RuPay network, the card is widely accepted by many merchants in India. Let us now continue to read to know about the best lifetime free RuPay credit cards 2024.

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Top 5 Lifetime Free RuPay Credit Cards 2024

Credit card	Best Suited For	Reward Points
Bank of Baroda ICAI EXCLUSIVE Credit Card	Travel or shopping	1 reward point earned for every 100 rupees spent 5x reward points on utility bills, dining, and online purchases.
Bank of Baroda ICSI DIAMOND Credit Card	Travel or shopping	1 reward point per spend of Rs. 100 5x reward points on utility bills, dining, and online purchases.
Bank of Baroda CMA One Credit Card	Travel	1 reward point per Rs. 100 you spend 5x rewards on utility bills, dining spends, and online purchases.
HDFC RuPay Shoppers Stop Credit Card	Shopping	Earn 3% reward points on every shoppers stop spend 1% reward points on non-shoppers stop spends
Edge CSB Bank RuPay Credit Card	Shopping, dining, home services	Earn upto 5% cashback on UPI credit card spends on the Jupiter app

Best Lifetime Free RuPay Credit Cards

Here is a list of the best Lifetime RuPay credit cards which come lifetime free.

Bank of Baroda ICAI EXCLUSIVE Credit Card

Category: IC Series Cards

Joining Fee : Nil | Annual Fee: Nil

Features and Benefits:

5 reward points per spend of Rs. 100 on dining, utility bills, and online.
1 reward point per Rs. 100 spent on any other category.
4000 reward points on spends of over Rs. 1 lakh or equal to the credit limit, (whichever is greater) during a calendar quarter.
Reward points can be redeemed @ 1 reward point = Rs. 0.25.
1000 reward points within 30 days of issuing the card.
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5000
12 complimentary lounge access at partner domestic airports with 3 per quarter
Complimentary 6 months FITPASS Pro Membership worth Rs.15000
2% reduced forex markup fee that helps you save on international spends.
Convert purchases of Rs. 2,500 on your card into smart EMIs spanning 6/36 months.
Professional Indemnity insurance cover of Rs. 5 Lakhs.
Air accident death cover of Rs. 15 Lakhs
Non-air accident death cover of Rs. 5 Lakhs
Zero liability on lost card.

Bank of Baroda ICSI DIAMOND Credit Card

Category: Rewards

Joining Fee : Nil | Annual Fee: Nil

Features and Benefits:

5 reward points per Rs.100 spent on dining, online and utility bills
1 reward point per Rs. 100 spent on other categories
Reward points can be redeemed @ 1 reward point =Rs. 0.25.
1000 reward points on using your card to transact within 30 days of issuance
4000 reward points on spends of more than Rs. 1 lakh or credit limit (Whichever is greater) quarterly.
6 Months FITPASS Pro Membership of value Rs. 15000
12 complimentary airport lounge access per calendar year (3 per quarter)
Professional Indemnity Insurance Cover of ₹5 Lakhs
Air accident death cover of Rs. 15 Lakhs
Non-air accident death cover of Rs. 5 Lakhs
Purchases of Rs. 2,500 can be converted into easy EMIs of 6/36 months
Zero liability on loss of card.

Bank of Baroda CMA One Credit Card

Category: IC Series Cards

Joining Fee : Nil | Annual Fee: Nil

Features and Benefits:

5 reward points per Rs.100 spent on dining, online, and utility bills.
1 reward point per Rs. 100 spent on any other category.
Accumulated reward points can be redeemed @ 1 reward point = Rs. 0.25.
1000 reward points on making transactions within 30 days of issuing the card.
4,000 reward points on spends of more than Rs. 1 lakh or credit limit (Whichever is higher) in a calendar quarter.
12 complimentary lounge access (3 for each quarter) at partner domestic airport lounges
Free 6 months Fitpass Pro Membership of value Rs. 15,000.
1% fuel surcharge waiver on transactions between Rs.400 and Rs.5,000.
1 reward point per Rs. 100 spent on any other category.
Accumulated reward points can be redeemed for @ 1 reward point = Rs. 0.25.
Purchases of Rs. 2,500 can be converted into easy EMIs of 6/36 months
Professional Indemnity Insurance Cover of Rs. 5 Lakhs.
Air accident death cover of Rs. 15 lakhs
Non-air accident death cover of Rs. 5 lakhs
Zero liability on loss of card.

HDFC RuPay Shoppers Stop Credit Card

Category: Rewards

Joining Fee : Nil | Annual Fee: Nil

Features and Benefits:

6 First Citizen Points per Rs. 150 spent on the Shoppers Stop private label brands, with a cap of 500 First Citizen Points per month.
2 First Citizen Points per Rs. 150 spent on all other Shoppers Stop brands and other categories (Not inclusive of fuel and wallet).
Earn 2000 First Citizen Points on spends of Rs. 2 Lakhs annually
1 First Citizen Point = 60 paise
Complimentary Shoppers Stop membership
Reward points up to 1000 on grocery spends per month per customer
1% fees to be charged from the second rental transaction done every calendar month.
1% mark-up charges on all international DCC transactions.
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000.
Welcome benefit: Shoppers Stop voucher worth Rs. 500 redeemable on spends of minimum Rs. 3000 at Shoppers Stop stores.
The card is enabled for contactless payments.

Edge CSB Bank RuPay Credit Card

Category: Rewards & UPI Convenience Card

Joining Fee : Nil | Annual Fee: Nil

Features and Benefits:

Up to 5% cashback on UPI credit card spends on the Jupiter app. Guaranteed cashback
Earn flat 1% cashback on non-UPI spends
Earn an additional cashback of 1% on incremental spends after reaching milestone spends of Rs. 30,000.
1% fuel surcharge waiver on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 3000 exclusive of GST and other charges. There is a maximum waiver of Rs. 100 per billing cycle.
Get a welcome voucher worth Rs. 250 from your favourite brand.
You can track your UPI spends on a mobile app.

Disclaimer: The features and benefits of the credit cards mentioned above are as of 05/04/2024 and are subject to change. Please refer to the websites of or contact the respective banks to get the exact features and benefits.

FAQs on Lifetime Free RuPay Credit Cards

How to get a lifetime free RuPay credit card?

You can get lifetime free RuPay credit cards by applying directly on official portals. Before you apply, check if the cards are lifetime free from the beginning or conditionally free where there are charges either after the second year or a waiver of charges depending on the minimum transactions done in a year.

Can I use RuPay credit cards for international transactions?

Yes, but you will have to pay forex charges on it. But, the forex charge will be paid to the bank or the financial institution that has issued the card and not to RuPay. For instance, if you are using a Bank of Baroda RuPay credit card, then you will have to pay Bank of Baroda and not RuPay. Some overseas countries that allow the use of RuPay credit cards are Singapore, Bhutan, UAE, Bahrain, South Korea, Maldives, Saudi Arabia, Myanmar, South Korea, Nepal, and France.