Lifetime Free Cashback Credit Cards
Explore top cards like the Amazon Pay ICICI Bank Credit Card, AU Bank InstaPay Credit Card, AU Bank LIT Credit Card, AU Bank Xcite Ace Credit Card, and 40 more.
44 Cards Found
Amazon Pay ICICI Bank Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Bank InstaPay Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU Bank LIT Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Bank Xcite Ace Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
AU CA Metal Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU CS Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Fi Magnifi Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback, Air Miles, Other Benefits
AU Kosmo Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
AU Zaggle Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
Bank of Baroda PRIME Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
Bank of Baroda VIKRAM Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Cashback
Canara Bank RuPay Select Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
Lifetime Free Cashback Credit Cards
43 cards earn cashback with zero joining and zero renewal fee, spanning general shopping cards, a UPI-specific option, and a couple of business-purpose cashback cards.
General Retail vs Business Use
Amazon Pay ICICI, Citi Cash Back, AU Bank InstaPay, Fibe RuPay, and Google Pay Flex are all general retail cards suited to personal spending. HDFC Bank Purchase Reward and Purchase MoneyBack, by contrast, are business-purpose cashback cards - check a card's intended use before applying if you're a personal, non-business applicant.
Zero-Fee Cashback Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Lifetime Free | Cashback | Amazon-heavy shoppers |
| Citi Cash Back Credit Card | Lifetime Free | Cashback | General shopping and travel cashback |
| AU Bank InstaPay Credit Card | Lifetime Free | Cashback | Shopping, dining, utilities |
| Google Pay Flex Axis Bank Credit Card | Lifetime Free | Cashback | UPI/Google Pay-heavy spenders |
| Fibe Axis Bank RuPay Credit Card | Lifetime Free | Cashback | Dining, movies, travel |
| HDFC Bank Purchase Reward Credit Card | Lifetime Free | Cashback | Business/travel/shopping spend |
How to Choose
43 cashback cards charge zero fee for life
Amazon Pay ICICI, Citi Cash Back, AU Bank InstaPay, Fibe Axis Bank RuPay, Google Pay Flex Axis Bank, and HDFC Bank Purchase Reward/MoneyBack are all zero fee, spanning general shopping cashback through to business-purpose cards.
Match the card to your spend pattern, not just the zero fee
Amazon Pay ICICI suits Amazon-heavy shoppers; Citi Cash Back is a general shopping and travel cashback card; HDFC Purchase Reward/MoneyBack are business-purpose cards rather than general retail products - check which fits your actual spending before assuming they're interchangeable.
Some are UPI/digital-payment specific
Google Pay Flex Axis Bank is tied to Google Pay usage specifically, making it a strong fit if UPI/digital payments are a large part of your spend, rather than a general-purpose cashback card.