Bank of India
Data verifiedBank of India RuPay Platinum
Lifetime-free RuPay card that lets you pay by UPI and still earn points.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
IDFC FIRST Bank · Visa
IDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Our verdict
The most forgiving lifetime-free card for someone building credit who still wants lounge access.
What works
- Lifetime free with no spend condition attached.
- Reward points never expire and have no redemption cap.
- Complimentary domestic lounge and railway lounge visits each quarter.
Watch-outs
- 10x rate only applies above ₹20,000 monthly spend.
- Point value is modest compared with direct cashback cards.
- Approval is easier with an IDFC savings relationship.
Eligibility snapshot
Typical income
₹25,000+ / month
Credit score
700+
Age
21–60 years
Underwriting is decided by the issuer and is often stricter than the advertised minimums. An existing relationship with the bank materially improves your odds.
Also worth comparing for lifetime-free rewards
South Indian Bank
Data verifiedSouth Indian Bank RuPay Platinum
No-fee RuPay card with UPI earning for South Indian Bank account holders.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
ICICI Bank
Best valueAmazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
5% on Amazon (Prime)
Annual fee
Lifetime free
Ready to apply for the IDFC FIRST Select?
Takes under a minute. We hand you off to IDFC FIRST Bank's official secure application — no middlemen, no data resold.