4 Most Useful Lifetime Free Credit Card for Young Adults

Money feels like walking on a tightrope when we are in our 20s. We want to save but also live life a little. That’s where a lifetime free credit card becomes your best friend.

With zero annual fees and no joining fee, these cards give you free credit while helping you build a strong credit history and improve your credit score. They offer reward points on online transactions, bill payments, and even fuel transactions that often come with a fuel surcharge waiver.

You can enjoy exclusive benefits, including complimentary lounge access, cashback offers, and welcome benefits from partner merchants, without worrying about renewal fees or other hidden charges.

Millennials often chased premium perks like airport lounge access or movie tickets, but we focus on cards that make daily life easier. Paying utility bills, ordering food, booking cabs, or doing big ticket purchases becomes rewarding while staying within a good credit limit.

By the end of this blog, you’ll know about the best free credit cards that are easy to apply for with simple eligibility criteria and minimum documents required like PAN card and bank statements. These cards are designed to help you grow your credit card account without worrying about unexpected fees or finance charges as long as you pay on time.

How We Picked These Cards?

We didn’t just go by glossy bank credit card ads. We read through Reddit forums where real users shared their experiences with existing credit cards, accumulated reward points, and issues like late payment fees and cash advance fees

Our criteria were simple and practical:

• Lifetime Free: No annual and joining fees.
• Eligibility Criteria: Easy approvals with minimal income proof and documents required like PAN card.
• Daily Utility: Works for bill payments, fuel transactions, and online/offline purchases.
• Good Credit Limit: Helps manage spending and improve credit score.
• No Hidden Charges: Transparent finance charges, no unexpected fees.

These cards are not about prestige; they are designed to fit a young adult’s lifestyle, support responsible card usage, and help you grow your credit card account over time.

TL;DR (Cheat Sheet for LTF Credit Cards) 

Too lazy to scroll? Here is a cheat sheet you can make use of real quick:

Amazon Pay ICICI Credit Card – Best for Online Shopping

• Cashback of 5% on Amazon, 2% on partner merchants
• No annual or joining fee, truly a lifetime free card
• Eases bill payments and online transactions

Federal Bank Scapia Credit Card – Best for Travel

• Purely digital approval, UPI-linked for daily spends
• Earn Scapia coins for flights & hotels
• Zero renewal fee, no hidden charges, helps build credit history

AU ixigo Credit Card – Best for Frequent Travelers

• Fuel surcharge waiver + reward points on flights & hotels
• Simple eligibility criteria with PAN & income proof
• Transparent interest rates, lifetime free credit card

Axis Bank Neo Credit Card – Best for Food & Entertainment

• Discounts on Zomato, BookMyShow, Blinkit
• Zero annual fees during LTF offers, no renewal fee
• Great for utility bill payment, online transactions, and cashback offers

#1 Pick — Amazon Pay ICICI Credit Card (Overall Best for Online Shopping)

• Issued by: ICICI Bank
• Joining / Annual Fee: ₹0 (Lifetime Free)
• Card Network: Visa
• Category: Cashback, Online Shopping, Daily spends
• Real User Insight: Generally issued to salaried/self-employed individuals with a minimum income, this card is known to be invite-only or is pre-approved for Amazon users. Offers a reasonable credit limit.

The Amazon Pay ICICI credit card is one of the most popular LTF cards, as mentioned on Reddit forums and among online users. It gives 5% cashback on Amazon purchases and 2% on partner merchants. It has no annual fee with no strings attached.

Its cashbacks go directly into your Amazon Pay balance, which is automatically reflected on your credit card statement. Sounds like a deal to me!

Why Amazon Pay ICICI Credit Card?

• Truly lifetime free with no hidden charges.
• #4 best-voted card in recent Reddit community polls.
• Easy to manage with an Amazon + ICICI bank account.
• Great for bill payments and frequent daily transactions, building credit early.

Federal Bank Scapia Credit Card (Best for Travel)

• Issued by: Federal Bank
• Joining / Annual Fee: ₹0 (Lifetime Free)
• Card Network: Visa
• Category: Travel, App-Based, UPI-linked
• Eligibility: Easy approval via app, specifically made for young adults starting their credit journey

Federal Bank’s Scapia credit card is a Gen-z favourite for a good reason. Approval is simple and can be completed via the app with no hassle. There’s no branch visit, no paperwork drama. Additionally, the lounge access offers are quite impressive.

You can directly link the card to your UPI and make daily spending a seamless transaction. These help you earn Scapia coins, which later turn into flight and hotel discounts for your future travels.

Why Federal Bank Scapia Credit Card?

• LTF card that comes with strong travel rewards.
• Bank gives instant approval + purely digital application.
• Gaining flight & hotel discounts using Scapia coins.
• UPI linking and app-first design.

AU ixigo Credit Card

• Issued by: AU Small Finance Bank
• Joining / Annual Fee: ₹0 (Lifetime Free)
• Card Network: RuPay / Visa (you can choose)
• Category: Travel, Online transactions, Partner merchants, Utility bills, Discount deals
• , Salaried/self-employed, proof of income required, age requirement 21–65 for salaried / 25–65 for self-employed, in most cases 

AU ixigo is also a popular lifetime free credit cards among Indian credit card community on Reddit. It offers strong reward points on online transactions, offline purchases, and utility bill payments, with no annual or renewal fees. 

You also get a fuel surcharge waiver, travel booking discounts, and offers from partner merchants that help you save on big-ticket purchases.

Why AU Ixigo Credit Card?

• Truly free credit card with no hidden charges.
• Earn reward points on flights, hotels, and everyday spends.
• Complimentary travel benefits and partner merchant offers.
• Helps improve credit score with responsible usage and credit card PIN security.
• Perfect for young adults wanting their first credit card.

Axis Bank Neo Credit Card

• Issued by: Axis Bank
• Joining / Annual Fee: ₹0 (Lifetime free during offer periods)
• Card Network: RuPay / Visa
• Category: Food Delivery, Entertainment, Utility Bills, Online Shopping
• Income Eligibility: Approval is easy for individuals with basic income proof, PAN card, and address documents required. Ideal for individuals with limited or no credit history, starting their credit journey.

Axis Bank Neo is a popular bank credit card on Reddit due to its generous cashback offers and reward points on Zomato, BookMyShow, Blinkit, and other partner merchants. 

It has zero annual fees when taken on promotional offers, making it a top choice for students and young professionals who want a lifetime free card without worrying about renewal fees or hidden charges.

Why Axis Bank Neo Credit Card?

• Ideal lifetime free credit card for foodies & binge-watchers
• Cashback and reward points across multiple categories
• Helps with timely bill payments and builds good credit history

What a Recent Reddit Poll Says (Community Vote Snapshot)

Coming from a plethora of comments by Redditors, the Amazon Pay ICICI Credit Card is the most voted lifetime-free card (clearly a crowd’s favourite).

DAY 5 - Best Life Time Free credit card (vote your recommendations in the comment)
byu/ianuvrat inCreditCardsIndia

We did see cards like AU Ixigo and Federal Bank Scapia pop up, but with fewer mentions comparatively. Here’s one way to sum it up, nailed by a user: 

Comment
byu/ianuvrat from discussion
inCreditCardsIndia

How to Decide Which One to Get?

Still wondering which is the best pick for you? Let’s figure that out too because its actually very easy

Just ask yourself one question: “Where do I spend most of my money?”

• If you shop a lot on Amazon: Amazon Pay ICICI Credit Card is your best friend.
• If you travel often for flights or hotels: go for Federal Bank Scapia or AU ixigo Credit Card for their travel rewards.
• If you spend on Zomato, BookMyShow, or Blinkit: pick Axis Bank Neo Credit Card for its food and entertainment discounts.

Don’t collect cards just for the sake of owning them. Start with one or two that actually match your lifestyle and monthly spends.

The real benefit isn’t just airport lounge access or free vouchers, it’s building a good credit history.Pay your credit card bill on time every month. No late payment fee, no stress, just a better credit score and higher credit limit over time.

Pick one card, use it regularly for bill payments, online transactions, and utility bills, and watch how it helps you grow financially while staying free of annual fees and renewal fee surprises.

Why Young Adults Should Stick to LTF Cards?

In all honesty, there’s no point paying ₹1,000–₹5,000 in annual fees or renewal fee when a lifetime free credit card gives you the same benefits for free.

An LTF card helps build your credit history, improves your credit score, and slowly increases your credit limit without adding extra costs or hidden charges.

Focus on cards that give you reward points, cashback offers, and make bill payments, online transactions, and utility bills simple to manage every month.

Pick one card that matches your spending like Amazon Pay ICICI for shopping, Axis Neo for food, AU ixigo or Scapia for travel and you’ll stay ahead of most first-time cardholders.