Best ₹0 AMC & Lifetime Free Credit Cards in India (2025)

If you’re looking to enjoy the benefits of a credit card without any annual or joining fees, then you’re in luck! 2025 brings a range of lifetime free credit cards that offer generous cashback, reward points, lounge access, and more — all at zero cost. Here are the top 8 ₹0 AMC credit cards you can apply for this year.

1️⃣ Go Kiwi Credit Card – Best for UPI Cashback

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 5% cashback on UPI QR code payments

• Instant virtual RuPay credit card

• Free airport lounge access on milestone spends

• 1500 earnings on successful activation

🧾 Eligibility:

• Age: 21–65 years

• Monthly Income: ₹25,000+

• Credit Score: 650+

🚀 Apply Process:
Download the Kiwi app, register with your mobile number, complete KYC, and get your card instantly.

2️⃣ POP Club Credit Card by YES Bank – Best for POPcoins & Online Shopping

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• ₹5,000 worth joining benefits

• 10% POPcoins on online spends

• Extra 5% POPcoins on linking with POP UPI

• Redeem POPcoins on Zomato, Blinkit, Rapido, and more

• 1250 earnings on card delivery

🧾 Eligibility:

• Age: 21–60 years

• Income: ₹25,000+ salary or ₹5L ITR

3️⃣ AU Small Finance Bank LIT Credit Card – Best for Lifestyle Rewards

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 4 free lounge accesses per quarter

• Zee5, Amazon Prime free for 3 months

• 10% discount on Flipkart, Myntra, TataCliq

• 1950 earnings on activation

• Fuel surcharge waiver

🧾 Eligibility:

• Indian resident, 21–60 years

• Add-on cardholder: 18+

4️⃣ IDFC FIRST Bank Credit Card – Best for Reward Points

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• Welcome benefits worth ₹1,500

• Up to 10X never-expiring reward points

• 16 free railway lounge visits/year

• Movie discounts: 25–75% off

• 1350 earnings on activation (₹450 on secured card)

🧾 Eligibility:

• Indian resident

• Monthly Income: ₹25,000+

• Good credit score

5️⃣ IndusInd Bank Credit Card – Best for Travel & Protection

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• EazyDiner + Luxe gift cards as welcome gift

• Personal air accident insurance: ₹25 lakh

• Multiple travel insurance covers

• Fuel surcharge waiver

• 1800 earnings on card activation

🧾 Eligibility:

• Age: 21–65

• Salaried or self-employed

6️⃣ SBM Credilio Secured Credit Card – Best for First-Time Cardholders

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 1% unlimited cashback

• Credit limit: 90% of FD

• Welcome gift pack: ₹1100+ (Myntra, Swiggy, AJIO, etc.)

• Earn 7% interest on FD

• 800 earnings on card delivery

🧾 Eligibility:

• First-year free; ₹249 waiver on ₹25k spend

• FD-backed credit card (Secured)

7️⃣ RBL Shoprite Credit Card – Best for Movie Lovers & Dining

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 10% cashback on Myntra, Zomato, Uber

• 2 complimentary airport lounge visits/quarter

• 1+1 on BookMyShow

• 10 reward points/₹100 spent on essentials

• 1200 earnings on activation

🧾 Eligibility:

• Age: 21+

• Monthly Income: ₹25,000+

• Credit score: 700+

8️⃣ HSBC Platinum Credit Card – Highest Activation Earnings

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 3700 earnings on activation

• 2 Reward points per ₹150 spent

• Up to 35% off on travel, electronics

• 3 free lounge access or meal vouchers

• Exclusive weekend deals on Croma, Amazon, Myntra

🧾 Eligibility:

• Income: ₹4L+ p.a. (salaried only)

• Available in select metro cities

🆓 BONUS: TATA Neu HDFC Credit Card – Best for Tata Brand Shoppers

Annual Fee: ₹0 | Joining Fee: ₹0
👉 Apply Now

🔥 Highlights:

• 8 domestic + 4 international lounges free

• 5% NeuCoins on Tata brands

• Additional 5% on Tata NeuPass spends

• 2000 earnings on new card activation

🧾 Eligibility:

• Salaried: ₹1L/month | Self-Employed: ₹12L/annum

 Final Thoughts

These credit cards not only offer zero joining/annual fees but also provide lucrative rewards, cashback, and lifestyle perks. Whether you're shopping online, dining out, or booking flights, there's a card here that suits your needs — and your budget.

Pro Tip: Always apply using trusted links to ensure referral earnings and eligibility. Be mindful of terms, and avoid prohibited activities like brand bidding or coupon abuse.