Lifetime Free Credit Cards

Cards listed here have a joining fee of ₹0 and an annual fee of ₹0, with no spend-based waiver conditions and no promotional banners that could revert. They are structurally free for as long as the card is offered. We exclude paid cards currently running 'Limited Period' free offers, since those revert to their full fee once the promo ends.

How we define it: Cards with zero joining fee and zero annual fee, with no spend-based or promotional waiver condition. These are structurally free, not free under a limited-time offer.

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