GENUINE LIFETIME FREE (LTF) · ₹0 JOINING FEE · ₹0 ANNUAL RENEWAL FEE

Lifetime Free (LTF) Credit Cards

Lifetime Free (LTF) credit cards charge ₹0 joining fee and ₹0 annual renewal fee unconditionally — meaning cardholders are never required to meet aggressive annual retail spend thresholds (such as ₹1 Lakh to ₹3 Lakhs) merely to avoid recurring membership debits. This directory indexes verified cards from Amazon Pay ICICI, IDFC FIRST Bank, Federal Scapia, Kotak Mahindra, and AU Bank that carry zero recurring charges.

Browse Cards by Target Segment

All Cards117 Student4 Salaried12 Self-Employed104 Travel47 Fuel7 Rewards41 Lifetime Free22

1. True LTF vs Spend Waiver

Many banks advertise cards as "free" when they actually mean "fee waived on spending ₹1 Lakh." True LTF cards contractually have ₹0 annual fee in their official MITC schedule regardless of how much or little you spend.

2. Ancillary Tariffs Still Apply

"Lifetime Free" refers strictly to annual maintenance fees. If you miss a payment deadline, carry a rolling balance, withdraw cash at an ATM, or swipe overseas, standard interest (up to 42% APR) and late fees apply.

3. Ideal Emergency & Secondary Cards

Because they carry zero holding cost, LTF cards are optimal backup cards to keep in a drawer, preserve average credit account age on your CIBIL profile, or utilize exclusively for merchant-specific sales.

Verified Lifetime Free Cards (22)

100% Verified MITC

🎁Shopping & RewardsEntry-Level

Verified MITC

AU Small Finance Bank LIT Credit Card

SBI Card•Visa•एयू स्मॉल फाइनेंस बैंक एलआईटी (LIT) क्रेडिट कार्ड

India's first customizable credit card allowing users to toggle cashback, lounge access, and rewards on/off dynamically via app for 90 days.

Joining / Annual FeeLifetime Free Base Card (Custom Feature Add-Ons on AU0101 app)

Lounge AccessOptional add-on: Activate up to 4 complimentary domestic airport lounge visits per 90-day period on-demand via the AU0101 app for a nominal fee.

Reward: Customizable features: Toggle on 5% or 2% cashback on travel, dining, or grocery for 90 days. Toggle on 10X or 5X reward points on online/POS spends. Base card earns 1 Reward Point per ₹100 on retail transactions.

Welcome: Zero joining fee, zero annual maintenance fee, and the freedom to build your own credit card features dynamically in the AU0101 app.

Fee Waiver: Base card is unconditionally Lifetime Free (LTF); individual feature add-on packs (e.g. 5% cashback, lounge access, OTT packs) are purchased dynamically on the AU0101 app for 90-day periods.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

Amazon Pay ICICI Credit Card

SBI Card•Visa•अमेज़न पे आईसीआईसीआई क्रेडिट कार्ड

India's benchmark Lifetime Free credit card offering uncapped 5% cashback on Amazon, 2% on utility bills, and automatic monthly wallet credits.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this lifetime-free co-branded card.

Reward: 5% unlimited cashback for Amazon Prime members on all Amazon.in purchases. 3% unlimited cashback for non-Prime members on Amazon.in. 2% unlimited cashback on 100+ Amazon Pay partner merchants (flight bookings, hotel reservations, electricity/water bill payments, mobile recharges, Swiggy, BookMyShow, Zomato). 1% unlimited cashback on all other domestic and international retail spends.

Welcome: Amazon Pay balance cashback gift card worth up to ₹2,500 (plus 3 months of Amazon Prime membership for non-Prime applicants) upon card approval and first transaction.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal spends required.

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationEntry-Level

Verified MITC

Federal Bank Scapia Co-Branded Credit Card

SBI Card•Visa Signature•फेडरल बैंक स्केपिया को-ब्रांडेड क्रेडिट कार्ड

True ZERO forex markup (0%) travel card with unlimited domestic lounge access on ₹5,000 spend and Lifetime Free ownership.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessUnlimited complimentary domestic airport lounge access across India upon spending ₹5,000 or more in the preceding billing cycle (one of India's easiest lounge access qualifications).

Reward: 20% Scapia Coins on all domestic and international travel bookings (flights and hotels) made through the Scapia mobile application. 10% Scapia Coins on all other eligible domestic and international retail spends (5 Scapia Coins per ₹100 spent, where 5 coins = ₹1).

Welcome: Zero joining fee, instant digital card activation, and ZERO FOREX MARKUP (0.00%) on all international transactions.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal fees.

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationEveryday / Salaried

Verified MITC

ICICI MakeMyTrip Signature Credit Card

SBI Card•Visa Signature / Mastercard•आईसीआईसीआई मेकमाईट्रिप सिग्नेचर क्रेडिट कार्ड

Travel co-brand offering ₹4,000 welcome travel vouchers, lifetime free renewal, 1:1 My Cash on bookings, and MMTBLACK Gold membership.

Joining / Annual Fee₹2,500 + GST Joining (Renewal: Lifetime Free ₹0)

Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter. 1 complimentary domestic railway lounge visit per quarter.

Reward: 4 My Cash per ₹200 spent on hotel bookings via MakeMyTrip. 2 My Cash per ₹200 on flight bookings on MakeMyTrip. 1.25 My Cash per ₹200 on all other retail transactions (1 My Cash = ₹1.00).

Welcome: ₹1,500 MakeMyTrip My Cash + ₹2,500 MakeMyTrip Holiday voucher credited to linked MMT account, plus complimentary MMTBLACK Gold membership tier.

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after paying one-time joining fee of ₹2,500).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

ICICI Mine Credit Card

SBI Card•Visa•आईसीआईसीआई माइन क्रेडिट कार्ड

Modular subscription-based card for millennials offering up to 5% cashback on Amazon, Swiggy, Zomato, and dynamic plan toggling.

Joining / Annual FeeSubscription-Based (₹0 to ₹149/month based on plan)

Lounge Access1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹35,000 in preceding quarter (available on Pro tier).

Reward: Up to 5% Cashback on leading partner apps (Amazon, Swiggy, Zomato, BookMyShow, Myntra) on the Pro subscription tier. 1% cashback on all other retail transactions.

Welcome: Amazon Pay gift voucher or partner subscription voucher credited upon first retail purchase on the iMobile app.

Fee Waiver: Base plan is Lifetime Free (₹0); higher monthly cashback plans (₹49/mo or ₹149/mo) can be toggled on/off dynamically via iMobile app.

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

ICICI Platinum Chip Credit Card

SBI Card•Visa / Mastercard•आईसीआईसीआई प्लेटिनम चिप क्रेडिट कार्ड

Unconditionally Lifetime Free (LTF) credit card with zero annual fees, microchip security, and 1% fuel surcharge waiver.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this lifetime-free starter card.

Reward: 2 ICICI Reward Points per ₹100 spent on all retail transactions (excluding fuel). 1 Reward Point per ₹100 on utilities and insurance categories.

Welcome: Lifetime free card issuance with zero joining fee and microchip fraud protection.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Classic Credit Card

SBI Card•Visa•आईडीएफसी फर्स्ट क्लासिक क्रेडिट कार्ड

Lifetime Free card with dynamic low APR from 9%, interest-free ATM cash withdrawal up to 48 days, and 10X rewards on spends over ₹20,000.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental retail spends crossing ₹20,000 in a monthly billing cycle and on cardholder's birthday. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.

Welcome: Gift voucher worth ₹500 from top retail brands on spending ₹15,000 or more within 90 days of card generation, plus 5% cashback (up to ₹1,000) on first EMI transaction value.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees forever.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Millennia Credit Card

SBI Card•Visa•आईडीएफसी फर्स्ट मिलेनिया क्रेडिट कार्ड

Youth-focused Lifetime Free card with 6X rewards on online shopping, 25% off on movie tickets, and dynamic low APRs from 9%.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹20,000 and on birthdays. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationEveryday / Salaried

Verified MITC

IDFC FIRST Select Credit Card

SBI Card•Visa Signature•आईडीएफसी फर्स्ट सेलेक्ट क्रेडिट कार्ड

Lifetime Free card with 4 domestic airport lounge visits per quarter, low 1.99% forex markup, and B1G1 movie tickets up to ₹125.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic airport lounge visits per calendar quarter (1 visit per month) upon spending ₹20,000 or more in the preceding calendar month. 4 complimentary domestic railway lounge visits per quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹25,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹25,000. 3X Reward Points (0.75% return) on offline spends. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

IDFC FIRST WOW Credit Card

SBI Card•Visa Infinite•आईडीएफसी फर्स्ट वाओ क्रेडिट कार्ड

FD-backed secured card with ZERO forex markup (0%), zero income proof, 100% credit limit against FD, and lifetime-free ownership.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this secured starter card.

Reward: 4X Reward Points on all retail transactions (effective 1.00% return). 1X Reward Point per ₹150 on utility and insurance spends. Reward points never expire.

Welcome: Zero joining fee, zero forex markup, and instant credit line activation linked to IDFC Fixed Deposit with zero income verification.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationSuper-Premium

Verified MITC

IDFC FIRST Wealth Credit Card

SBI Card•Visa Infinite•आईडीएफसी फर्स्ट वेल्थ क्रेडिट कार्ड

Super-premium Lifetime Free card with 4 international & domestic lounge + spa visits per quarter, ultra-low 1.5% forex markup, and golf privileges.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic airport lounge visits + 4 international airport lounge visits + 4 spa visits per calendar quarter via DreamFolks dragonpass upon spending ₹20,000 in preceding calendar month. 4 railway lounge visits per quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹30,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹30,000. 3X Reward Points (0.75% return) on offline retail. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees forever.

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationEveryday / Salaried

Verified MITC

IndusInd Bank Legend Credit Card

SBI Card•Visa Signature / Mastercard•इंडसइंड बैंक लीजेंड क्रेडिट कार्ड

Weekend lifestyle card offering 2X points on weekends, 3 free BookMyShow tickets monthly, golf games, and lifetime free renewal.

Joining / Annual Fee₹9,999 + GST Joining (Renewal: Lifetime Free ₹0)

Lounge Access1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits annually). 2 complimentary international lounge visits per calendar year via Priority Pass.

Reward: 2 Reward Points per ₹100 spent on weekend retail purchases (Saturdays and Sundays). 1 Reward Point per ₹100 on weekday retail purchases (Monday to Friday).

Welcome: Gift vouchers worth ₹10,000 from premier brands (Luxe Gift Card, Oberoi Hotels, Amazon, Yatra) upon payment of joining fee.

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after one-time joining fee payment; frequently issued with ₹0 joining fee under corporate payroll drives).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

IndusInd Bank Nexxt Credit Card

SBI Card•Mastercard•इंडसइंड बैंक नेक्स्ट क्रेडिट कार्ड

Interactive payment card with physical buttons and LED lights for on-the-spot POS selection of Credit, EMI, or Reward Points.

Joining / Annual Fee₹1,499 + GST Joining (Renewal: Lifetime Free ₹0)

Lounge AccessNo complimentary airport lounge access is included on this technology-first card.

Reward: Interactive physical buttons: Push button 1 for 'Rewards', button 2 for 'EMI' (instant 6/12 month conversion at POS), or button 3 for 'Credit'. 1 Reward Point per ₹150 on all retail transactions.

Welcome: Gift vouchers worth ₹1,500 from top retail brands (Amazon, Bata, MakeMyTrip) credited upon fee realization.

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after one-time joining fee payment).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IndusInd Bank Platinum Aura Edge Credit Card

SBI Card•Visa / Mastercard•इंडसइंड बैंक प्लेटिनम ऑरा एज क्रेडिट कार्ड

Customizable reward card letting users choose their 4X spending category (Shop, Travel, Dine, or Home) with ₹0.50 cash value per point.

Joining / Annual Fee₹500 + GST Joining (Renewal: Lifetime Free ₹0)

Lounge AccessNo complimentary airport lounge access is included on this starter rewards card.

Reward: Choice of 4 customized reward plans: (1) Platinum Aura Shop Plan (4X points on departmental stores), (2) Platinum Aura Travel Plan (4X on hotel/airline bookings), (3) Platinum Aura Party Plan (4X on dining/nightlife), or (4) Platinum Aura Home Plan (4X on grocery/utilities). 0.5 Reward Points per ₹100 on other retail.

Welcome: Welcome discount vouchers from leading retail brands (Amazon, MakeMyTrip, Bata, Apollo Pharmacy) credited upon card joining fee realization.

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial joining fee payment).

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEveryday / Salaried

Verified MITC

IndusInd Bank Tiger Credit Card

SBI Card•Visa Infinite•इंडसइंड बैंक टाइगर क्रेडिट कार्ड

Lifestyle card offering 6 points per ₹100 on dining, low 1.5% forex markup, 8 domestic & 2 international lounge visits, and LTF renewal.

Joining / Annual Fee₹499 + GST Joining (Renewal: Lifetime Free ₹0)

Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually). 2 complimentary international lounge visits per year via Priority Pass.

Reward: Accelerated reward points on dining and food delivery spends: 6 Reward Points per ₹100 on dining/food apps. 2 Reward Points per ₹100 on general retail spends.

Welcome: Gift vouchers worth ₹500 from partner brands credited upon completing first transaction within 30 days.

Fee Waiver: Renewal fee is ₹0 (Lifetime Free after initial ₹499 fee).

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

Kotak 811 #DreamDifferent Credit Card

SBI Card•Visa•कोटक 811 #ड्रीमडिफरेंट क्रेडिट कार्ड

FD-backed Lifetime Free secured credit card for students and new earners with zero income proof, 90% credit limit, and early CIBIL score building.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this student/secured credit card.

Reward: 2 Reward Points per ₹100 spent on all online retail transactions. 1 Reward Point per ₹100 on offline retail spends.

Welcome: 500 bonus Reward Points credited upon card activation and spending ₹5,000 within the first 45 days of card issuance.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance spends required.

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

RuPay Platinum Credit Card

SBI Card•RuPay•रुपे प्लेटिनम क्रेडिट कार्ड

Flagship multi-bank RuPay card featuring UPI QR code payment support, 8 domestic airport lounge visits, and ₹2 Lakh NPCI accidental cover.

Joining / Annual Fee₹500 + GST (Frequently Lifetime Free depending on issuing bank)

Lounge Access2 complimentary domestic airport lounge visits per calendar quarter (up to 8 visits annually) across participating RuPay Platinum airport lounges in India. 2 complimentary domestic railway lounge visits per quarter.

Reward: 2 Reward Points per ₹100 spent on all UPI merchant QR code payments and retail checkouts. 5% cashback on utility bill payments (electricity, gas, water, municipal tax) completed via official bank portals.

Welcome: Gift vouchers from leading lifestyle brands, plus complimentary NPCI accidental insurance coverage of ₹2,00,000.

Fee Waiver: Spend ₹50,000 or more in each preceding anniversary year to get the annual renewal fee waived (varies slightly by issuing bank).

Verified 2026-09-28Full MITC & Terms

💼SalariedEntry-Level

Verified MITC

SBI Card Unnati

SBI Card•Visa•एसबीआई कार्ड उन्नति

Financial inclusion and credit-builder card issued against ₹25,000 SBI Fixed Deposit with zero income proof, zero annual fee for 4 years, and ₹500 milestone cashback.

Joining / Annual FeeNIL for first 4 years (₹499 + GST from 5th year onwards)

Lounge AccessNo complimentary airport lounge access.

Reward: 1 Reward Point per ₹100 spent on all retail transactions.

Welcome: Zero annual fee for the first 4 years and 100% approval against an SBI Fixed Deposit of ₹25,000 or more without requiring any income proof or previous credit history.

Fee Waiver: Spend ₹50,000 or more in the preceding year to waive the ₹499 renewal fee from the 5th year onwards.

Verified 2026-09-28Full MITC & Terms

🏬Business / MSMECommercial

Verified MITC

SBI Corporate Card

SBI Card•Visa / Mastercard•एसबीआई कॉर्पोरेट कार्ड

Enterprise commercial credit card providing expense management, ERP integration, corporate liability waiver insurance, and detailed GST invoicing.

Joining / Annual FeeCustom Corporate Pricing (Typically Nil to ₹1,000/card based on corporate relationship agreement)

Lounge AccessComplimentary domestic and international airport lounge access variants available (typically 2 visits/quarter on Executive/Signature tiers).

Reward: Customizable reward structure: 1 Reward Point per ₹100 or corporate rebate/volume cashback credited to company account.

Welcome: Dedicated corporate onboarding, automated expense reporting portal, and seamless ERP integration (SAP, Oracle).

Fee Waiver: Waived under master enterprise corporate billing and spend commitment agreements.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

SBI RuPay Classic Card (Jan Dhan Linked)

SBI Card•RuPay•एसबीआई रुपे क्लासिक कार्ड (जन धन योजना)

Financial inclusion RuPay card issued under PMJDY with ₹2 Lakh accidental insurance cover, ₹0 fee forever, and subsidized overdraft facility.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Maintenance Fee)

Lounge AccessNo complimentary airport lounge access is included on this Jan Dhan financial inclusion card.

Reward: Financial inclusion card designed for basic citizen transactions: 1 Reward Point per ₹200 on POS and e-commerce transactions. High subsidized merchant transaction convenience on Bharat BillPay and direct benefit transfer (DBT) subsidies.

Welcome: Zero joining fee, zero annual maintenance charge, and automatic non-contributory ₹2,00,000 accidental death/permanent disability insurance cover funded by NPCI (for cards issued after August 28, 2018).

Fee Waiver: Unconditionally Lifetime Free under Government of India Pradhan Mantri Jan Dhan Yojana (PMJDY) statutory guidelines.

Verified 2026-09-28Full MITC & Terms

🏬Business / MSMECommercial

Verified MITC

SBI SimplySAVE Merchant Card

SBI Card•RuPay / Visa•एसबीआई सिम्पलीसेव मर्चेंट कार्ड

Lifetime zero-annual-fee MSME credit card designed for retail shopkeepers and traders providing short-term inventory financing and supplier rewards.

Joining / Annual FeeNIL Annual Fee (Lifetime Zero Fee for verified merchants)

Lounge AccessNo complimentary airport lounge access.

Reward: Accelerated reward points on merchant supplier purchases, wholesale inventory stocking, and utility bills. 1 Reward Point per ₹100 on other retail.

Welcome: Zero annual fee, instant POS/UPI QR settlement integration, and dedicated short-term working capital credit limit.

Fee Waiver: Lifetime zero fee for active merchants with verified business settlement accounts.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

SBI Student Plus Advantage Card

SBI Card•Visa•एसबीआई स्टूडेंट प्लस एडवांटेज कार्ड

Secured student credit card issued against SBI Fixed Deposit or Education Loan with zero income proof, 10X rewards on groceries/books, and early CIBIL score building.

Joining / Annual FeeNIL Joining Fee (Renewal: Nil or waived on ₹35,000 annual spend)

Lounge AccessNo complimentary airport lounge access.

Reward: 1 Reward Point per ₹100 spent on all regular retail purchases. 10X Reward Points (10 points per ₹100) on Departmental store, Grocery, and International book/educational spends.

Welcome: Zero joining fee and instant credit line activation linked to SBI Fixed Deposit without needing income tax returns or salary slips.

Fee Waiver: Spend ₹35,000 or more annually, or maintain active underlying SBI Education Loan / Fixed Deposit collateral.

Verified 2026-09-28Full MITC & Terms

Inactivity Closure Rules (RBI): Under RBI guidelines, if a credit card remains completely inactive without a single financial transaction for more than one year (365 days), the issuer must notify the cardholder and initiate closure within 30 days if no confirmation is provided. Even with a lifetime-free card, make an occasional small purchase once a year to keep the line active.